Hi AK I like to share my experience with NTUC Income recently. Some years ago I bought a Term Policy from them and it expired last month. I had been unemployed for some time, I decided that I should not take up a new policy to supersede the expire one. However I encountered some difficulty. They sent me repeated demand for payment. The way they put it is payment is due for my policy as if the policy is still inforce although I informed them officially that I like to let the policy expire without taking up a new one. I felt that they were playing with words but I stood my ground that the policy has expired last month and I do not want to buy a new one. Then they try the subtle approach that I will lose the benefit and I cannot reinstate it later....blah blah. They did not even bother to ask me ......