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Can I cancel my CPF LIFE plan after I have joined?

You can only cancel your CPF LIFE plan for the following reasons:

  1. Medical Condition: If you have a medical condition that has resulted in a reduced life expectancy, as certified by an accredited doctor, you may be eligible for cancellation. Severe medical conditions that cause you permanently unfit for work or lacking permanent mental capacity may also be considered.
  2. Change in Citizenship or Permanent Residency: If you are no longer a Singapore Citizen or Permanent Resident and need to close your CPF account*, you are entitled to cancel your CPF LIFE plan.
  3. Exemption from Retirement Sum: If you are receiving a monthly pension or annuity payout that fully exempts you from setting aside the retirement sum in your Retirement Account, you have the option to cancel your CPF LIFE plan.

Upon cancellation, you will receive a refund of your CPF LIFE premium balance. If your CPF LIFE premium has been fully paid to you as monthly payouts, there will be no remaining premium balance to refund.

*As announced in March 2023, CPF members who are not Singapore Citizen or Permanent Residents will have to close their CPF accounts and cease participation in CPF schemes.