What typically matters at this stage
At this stage, it is about building reliable income, planning healthcare and long-term care needs, and ensuring your savings sustain your lifestyle while supporting your legacy goals.
Wealth and Retirement Income
Wealth planning shifts from accumulation to generating income, with options to structure payouts while continuing to manage and grow your assets.
Build or reposition wealth for future income
Investment-linked plans with dividend-paying funds provide options to continue building wealth over time, or as an alternative source of income.
Turn your savings into a lifetime income stream
Retirement-focused plans let you set aside accumulated savings to build your future passive income.
Grow your retirement income steadily over time
Endowment plans help build regular savings into retirement income, with flexibility to choose when payouts start and how long they last.
Legacy
Legacy solutions ensure that your loved ones can carry on with their lives smoothly with planned wealth transfer.
Plan how your wealth supports future generations
Whole Life plans with a Universal Wealth Transfer Option enable your wealth to be passed on across generations.
Grow and transfer wealth with lifelong coverage
Index universal life plans combine growth potential with lifelong coverage, supporting structured wealth transfer and legacy planning.
Receive lifetime payouts that continue across generations
Single premium whole life plans may provide lifetime payouts and a legacy for your loved ones, with flexibility to defer payouts for higher returns.
Health
Healthcare protection is central to retirement confidence. Review existing coverage, topping up where needed, and ensuring premiums remain sustainable over time.
Cover rising hospitalisation and medical costs
Hospitalisation coverage protects against large inpatient bills to avoid affecting your retirement savings.
Support long-term care and independence needs
Disability coverage helps you maintain financial independence if you are unable to perform any Activities of Daily Living (ADLs).
Cover comprehensive critical illnesses
Coverage for 53 critical illnesses across all stages, including repeat claims for recurring illnesses, to reduce the need to draw down retirement savings.
Cover you against all stages of cancer
Pays a 100% lump sum upon cancer diagnosis to cover treatment and recovery.
Personal accident
Personal accident coverage supports continued independence and activity by cushioning the impact of accidents during recovery.
Protect against daily injuries
Provides financial support for accidental injuries that affect mobility or daily activities.
Cover age-related injury risks with tailored benefits
Senior-focused accident plans cover injuries, including fractures, with benefits designed for higher risks at older ages.
Travel
Travel insurance is available as single trip or annual plans, depending on how often you travel for holidays.
Protect against unexpected travel events
Covers overseas medical treatment (optional add-on for pre-existing conditions), emergency medical evacuation, trip cancellations, delays, lost belongings, and more.
Car
Motor insurance provides comprehensive coverage for petrol/hybrid and electric vehicles.
Comprehensive coverage that rewards safe driving
Get a one-time 5% discount above NCD for demerit-free driving, 24/7 accident assistance, and waiver of excess on your first claim.
Comprehensive coverage for your electric vehicle
Includes coverage for personal charger and fire damage to home contents during charging, plus electric shock medical expenses and personal accident cover.
Home
Home insurance protects your home, renovations and accumulated belongings beyond standard fire insurance.
Safeguard your home with our all-rounded protection
Includes coverage for building, belongings, costs of repairs, replacements, and temporary accommodation.
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