Updated September 28, 2026 · AssureCue Editorial Team
Income Insurance vs Linxea
What sets them apart
| Compare |  Income Insurance |  Linxea |
|---|---|---|
| Premium from | SGD 0.60 | €25 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more | Life |
| Provider type | Insurer | Broker |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Phone, Email, Post |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | 18+ |
| Monthly payments | Not confirmed | Yes |
| Excess from | SGD 250 | Not confirmed |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Not confirmed |
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Key differences
- Income Insurance scores higher overall: 9.4 vs 8.9.
- Founded is lower at Income Insurance: 1970 vs 2001.
- Insurance types: only Income Insurance offers Auto, Home, Health.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Claims channels: only Linxea offers Post.
- Support channels: only Linxea offers Chat, Community.
- Audience: only Income Insurance offers Seniors.
- Audience: only Linxea offers Expats.
Our verdict on each
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Linxea
Linxea suits expats in France who want a life policy with monthly payments and a wide support choice. Fees start at €25, which sits above the €8.37 across the ranking, so the account runs on price rather than entry cost.
Score breakdown
| Area | Income Insurance | Linxea |
|---|---|---|
| Cost | 9.1HigherPremiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. | 8.8Fees start at €25, above the €8.37 and the €7.95 in this ranking. |
| Offer | 9.6Higher | 9.1 |
| Trust | 9.5Higher | 8.9 |
Side by side, item by item
| Insurance types | Income Insurance | Linxea |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
How they place
| Ranking | Income Insurance | Linxea |
|---|---|---|
| Life insurance | 6 of 261 | 3 of 261 |
What we checked
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Linxea
- linxea.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Income Insurance | Linxea |
|---|---|---|
| Audience | Seniors | Expats |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Income Insurance Limited | LINXEA, societe par actions simplifiee, RCS Paris 478 958 762 |
| Headquarters | Singapore | France |
| Founded | 1970Lower | 2001 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Email, Help centre, CommunityCovers more |
Business insurance
| Fact | Income Insurance | Linxea |
|---|---|---|
| Cover types | Professional indemnity | Not confirmed |
Pros and cons
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
Linxea
Pros
- Monthly payments are available, which most providers in this ranking also offer.
- Support runs on phone, chat and email, wider than the median provider in this ranking.
- Linxea is a broker, listed in the Orias register under 07 031 073.
Cons
- Fees start at €25, above the €7.95 for this ranking.
- Only life insurance is offered, narrower than auto, home and renters.
- The entry age starts at 18+, so younger savers cannot open an account.
Who each suits
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Linxea
Who it suits
- Expats living in France who want a life policy with monthly payments
- Adults who prefer broker advice rather than a direct insurer
- People who want help by phone, chat, email and a help centre
Who should look elsewhere
- Anyone wanting auto, home, health or travel cover alongside life, where Good Sam Insurance Agency covers more ground
- Anyone looking for the lowest entry fee, since bonus.ch starts at CHF 0
- Borrowers comparing loan amounts, since Oney Préstamos ES quotes €1,000
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Linxea
Current offer
Bonus
100 EUR welcome gift for opening a Linxea Spirit 2 contract for a minor child: 100 EUR
Opening a Linxea Spirit 2 contract for a minor child, under the conditions of the welcome offer
Source, checked September 26, 2026
Bonus
Boost Suravenir Opportunites 2 yield bonus on Linxea Avenir 2 (2026-2027): +1.50% net (target 4.50% net)
From 15/09/2026 to 31/12/2026, minimum 20,000 EUR deposit in free management split between the Suravenir Opportunites 2 euro fund and unit accounts; +1.00% net if at least 30% in non-guaranteed unit accounts, +1.50% net if at least 50%; excludes programmed deposits and Pacte transfers
Source, checked September 26, 2026
Country by country
| Country | Income Insurance | Linxea |
|---|---|---|
| France | No | Yes |
| Singapore | Yes | No |
Questions about each
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
Linxea
What does a Linxea policy cost to start?+
The entry point is €25, and monthly payments are available if you would rather spread the commitment. For context, the median starting fee across this site is €8.37, and Linxea ranks at 183 out of 252 brands on this measure. So the starting figure is above the middle of the pack rather than at the budget end.
Can I pay a Linxea policy monthly?+
Yes. Monthly payments are offered, and monthly describes the payment structure. Most brands in this life insurance ranking also offer monthly payments, so this is a common feature rather than a differentiator. It still matters for cash flow, since it turns one yearly commitment into smaller sums spread through the year.
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