Enjoy up to 20% cash rewards
Sign up for one of our selected qualifying insurance between 1 March to 30 April 2023 to be eligible for attractive cash rewards. *T&Cs apply.
Start receiving your lifetime payouts after holding your policy for 3.5 years. Alternatively, choose to accumulate them for potentially higher returns3 .
Rest assured with 100% capital guarantee from the end of the 6th policy year2.
Leave a legacy for the next generation with a lump sum benefit of 105% of the total annual premiums paid plus any bonuses, in the event of your passing or contracting terminal illness to cover your expenses.
Our financial representative will answer any questions you may have about our products and planning.
1 For a Standard Annual Premium of S$30,000 and above:
43rd to 48th policy month: guaranteed payout is 3.28% p.a..
From the 49th policy month onwards: based on an Illustrated Investment Rate of Return (IIRR) of the Participating Fund at 4.25% p.a., the guaranteed payout is 0.85% p.a. and the non-guaranteed payout is up to 2.43% p.a.. At an IIRR of 3.00% p.a., the non-guaranteed payout is up to 1.34% p.a. of the total annual premiums paid.
For a Standard Annual Premium below S$30,000:
43rd to 48th policy months: guaranteed payout is 3.15% p.a..
From the 49th policy month onwards: based on an IIRR of the Participating Fund at 4.25% p.a., the guaranteed payout is 0.80% p.a. and the non-guaranteed payout is up to 2.35% p.a.. At an IIRR of 3.00% p.a., the non-guaranteed payout is up to 1.24% of the total annual premiums paid.
The actual benefits payable may vary according to the future experience of the Participating Fund.
2 Capital guarantee is on the condition that premiums are paid by annual mode and no policy alterations are made.
3 The prevailing accumulation interest rate is 2.50% p.a. based on an IIRR of 4.25% p.a. and 1.00% p.a. based on an IIRR of 3.00% p.a.. This rate is not guaranteed and can be changed from time to time.
All figures in the above illustration are based on an IIRR of the participating fund at 4.25% p.a. and are subject to rounding.
* Based on an IIRR of 3.00% p.a., the payout per month from age 54 is S$164.25 (S$100.50 is non-guaranteed).
† The total amount upon surrender includes total guaranteed and non-guaranteed surrender value plus remaining declared but unpaid cash bonus and non-guaranteed interest earned on unpaid monthly cash bonus. Based on an IIRR of 3.00% p.a., the total monthly payouts received by Michelle is S$13,302 and the total amount upon surrender is S$92,175, total payouts received is 1.17x against total annual premiums paid.
‡ The total benefit received by Michelle’s family includes total guaranteed and non-guaranteed death benefit plus remaining declared but unpaid cash bonus and non-guaranteed interest earned on unpaid monthly cash bonus. Based on an IIRR of 3.00% p.a., the total monthly payouts received by Michelle is S$62,577 and the total benefit received by Michelle’s family is S$99,189, total payouts received is 1.80x against total annual premiums paid.
Interest earned on the unpaid monthly cash bonus is accumulated at 2.50% p.a. and 1.00% p.a. based on an IIRR of 4.25% p.a. and an IIRR of 3.00% p.a. respectively. This rate is not guaranteed and can be changed from time to time. The actual benefits payable may vary according to the future experience of the Participating Fund.
All ages specified refer to age next birthday.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
All figures used are for illustrative purposes only and are subject to rounding.
The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.
In case of discrepancy between the English and Chinese versions, the English version shall prevail.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Information correct as at 26 August 2022.