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Multiple Ages of Majority PDF Print E-mail
Written by Wilfred Ling   
Wednesday, 22 February 2012

When will a person reach adulthood? The age of majority is actually quite confusing because in reality, there is no standardized age as it depends on the subject matter. I decided to compile a list as follows:

A person upon attaining age 18 can enter into contracts but with some exceptions. Civil Law Act Section 35.

When a beneficiary inherits CPF monies through nomination, the Public Trustee will hold the money in trust until the nominee turns 18.

When a beneficiary inherits CPF monies due to intestacy law, the Public Trustee will hold the money in trust until the beneficiary turns 21.

A person need to be at least 21 years old to make a Lasting Power of Attorney.

Parents of children with intellectual disability may apply to the Court to be appointed deputies if the children are likely to be still lacking in capacity after 21 years of age.

No Will made by any person under the age of 21 years shall be valid. Wills Act Section 4.

Under the Enlistment Act (Chapter 93), all male citizens and Singapore Permanent Residents will be liable for National Service (NS) registration upon reaching the age of 16 1/2.

Need to be at least 21 years old to buy a HDB flat (new or resale).

For marriage between 18 and 21, consent of relevant persons is required.

For marriage below 18, consent of parents and MCYS (government) is required.

Minimum entry age for casino is 21 years old.

Sex with a person below 16 is called “Statutory Penetration of a Minor Under 16″, S376A, Penal Code. If the minor is a girl below 14, the offence is called statutory rape

Under the Insurance Act 49L(2), a person need to be at least 18 years old to make an irrevocable nomination.

Under the Insurance Act 49M(2), a person need to be at least 18 years old to make a revocable nomination.

For 3rd party insurance, the life assured must be under age 18. Insurance Act Section 57(1)(iii).

Those above 10 but under age 16 can buy life insurance with the consent of parent/guardian. Insurance Act Section 58. However, those below 21 years old are not able to deal with an existing insurance policy such as assignment, delegation, taking out of policy loan. This issue is currently being sorted out by MAS. The consultative paper to address this issue can be found Consultation Paper on Review of the Age of Capacity to Enter into an Insurance Contract.

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