Master list of sources

This list is the citation register for wholelife.com.sg: every figure and every statement of regulation on the site should be traceable here to an organisation, title, date and link. The verification date is 2026-10-22; organisations update their pages, so readers citing a source should rely on the current version of the original page.

What the status column means: Verified = the original was read directly when writing or reviewing; Verified (original re-read 2026-10-22) = the original was opened again and checked during this review round; Verified (research stage) = the original was read during planning but not re-read when writing; Cited on page; not re-checked for this list = verified by the writer of the relevant page and listed in that page's sources, with this list only consolidating it; Secondary = reported via media, a law firm or an insurer's explanatory page, with the nature of the source stated in the text; Pending verification = the original could not be read, so the text describes the mechanism only and quotes no figures. The "Used on" column is consolidated automatically from the sources in each page's front matter (including the English edition and the home page data points), and writers may add to it.

1. MAS and MoneySense

MAS is Singapore's financial regulator, and MoneySense is the national financial education programme led by MAS. For the pages below, the "date" is the update date shown in the page header; the page footer often shows the day of access, which is not the publication date.

2. SDIC, FIDReC, CPF Board and compareFIRST

The PPF Scheme is administered by the Singapore Deposit Insurance Corporation (SDIC); it covers guaranteed benefits only and is capped, and it is not a government guarantee of any insurer or policy.

3. LIA, the Life Insurance Association

LIA (Life Insurance Association, Singapore), founded in 1962, is the Singapore-based not-for-profit trade association of MAS-licensed life insurers and life reinsurers.

4. IRAS, legislation databases and cross-border references

Tax and reporting sources are mainly IRAS official pages and e-Tax Guides; cross-border readers' tax obligations depend on the law of their place of residence, and this site only notes that corresponding frameworks exist, without giving tax advice.

IRAS and Singapore legislation

Singapore Statutes Online (SSO) returns 403 to automated retrieval, so the original text of legislative sources must be opened and checked manually; the table below records the depth of verification for these sources candidly.

Cross-border references (Mainland China, Hong Kong)

Cross-border readers' tax and reporting obligations depend on the law of their place of residence; the sources below only show that both jurisdictions have a corresponding framework for exchanging tax-related account information, and do not constitute tax advice.

5. Insurer public documents, judgments and secondary sources

This section brings together insurers' public documents, court judgments, legal commentary, insurer explanatory pages and media reports. Judgments are primary documents; most of the rest are secondary accounts, and the text states the nature of the source.

Insurer public documents (structural examples, not general parameters)

A single insurer's product documents only show "what this kind of clause looks like"; their multiples, ages, rates, bonus rates and investment returns are not general parameters and do not constitute a recommendation or ranking, and an insurer's rating or size says nothing about a policy's return or guarantees.

Judgments, legal commentary, insurer explanatory pages and media

In this group the judgment is a primary document; legal commentary, insurer explanatory pages and media reports are secondary accounts, the text states the nature of the source, and they have been cross-checked against primary sources where possible.

6. Items pending verification and not yet covered

For the items below, the original was not read this round, or only a secondary account was read. The text describes the mechanism only and cites no specific figures or conclusions on section numbers.

7. This site's citation conventions

1. Figures follow a uniform format of "value (period, organisation, date)", for example "S$6.53 billion (2025, LIA, 2026-02-11)".
2. Multiples, ages, rates, bonus rates, investment returns and similar figures from a single insurer's product documents are always treated as "structural examples", with the insurer and document date stated; they are never general parameters and do not constitute a recommendation or ranking.
3. Local product materials, training materials and channel materials do not count as citable facts; the text always says "the Product Summary and policy contract prevail".
4. Secondary sources are described as such in the text; for items pending verification, the text describes the mechanism only and cites no specific figures.
5. Illustration rates, past performance and back-tests always carry "for illustration only, not indicative of future results"; references to the PPF Scheme, ratings and regulatory status always carry "not a government or regulatory guarantee of the policy".
6. Figures calculated by this site (such as shares, derived amounts or quarterly sums) are marked "this site's calculation" in the text, with the organisation's published original amounts prevailing; chart readings are always given as "about".
7. The date field in front matter holds only YYYY, YYYY-MM or YYYY-MM-DD; where a page or document is undated, the title notes "undated / copyright year, accessed YYYY-MM-DD", and the access date is never presented as the publication date.

If you would like these points interpreted for your own circumstances, you can register your request through the contact details on this site.