Wealth Accumulation


One plan that benefits three generations

It’s the gift that keeps on giving, across generations. Family3 is a whole life savings plan that offers unique benefits for three generations – yourself, your child, and your grandchild.


The plan also helps you build your savings safely, offering lifelong guaranteed and potential cash payouts which your loved ones can re-invest for even greater returns.

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Key benefits


Receive guaranteed payouts every year

After your premium term ends, you'll receive a guaranteed payout1  every year, for the rest of your life.


Be covered against the unexpected

This plan offers lifelong coverage against death, terminal illness, and total and permanent disability3 .


Choose how you pay

You can pay your premiums over 10 or 15 years, or make a one-time payment on a 10-year plan and enjoy a 5% discount.


Watch your savings grow

You’ll also get an annual cash bonus2  from the end of your plan's second year to its ninth year – and this will increase from the plan's 10th year.


 Reinvest payouts for greater returns

You can grow your wealth by reinvesting the plan’s annual payouts at an annual interest rate of 3%* .You also have the freedom to withdraw your returns at any time.

How Family3 works


Waiver of premiums: To waive any premiums and ensure there's no disruption to your Family3 plan should the unexpected happen, consider Payer Benefit Rider

Critical illness: To help pay for treatment expenses across three stages of illness - early, intermediate and critical - consider Critical Care Advantage.


Loss of income: To protect yourself against losing your monthly income because of illness or injury, consider Pay Assure.

1 The annual payout will be 2% of the sum assured.


2 The cash bonus will be 0.8% of the sum assured from the end of the plan's second year to its ninth year, and will increase to 2% of the sum assured from the plan's 10th year. These bonus rates are not guaranteed. The actual benefits payable will vary according to the future performance of the participating fund.


3 Total and Permanent Disability covers:


a. Presumptive Total & Permanent Disability (TPD) for the whole of the policy term. Presumptive TPD refers to a state of incapacity which is total and permanent and takes the form of:


i. total and irrecoverable loss of sight in both eyes; or

ii. total and irrecoverable loss of the use of two limbs at or above the wrist or ankle; or

iii. total and irrecoverable loss of the sight in one eye and total and irrecoverable loss of use of one limb at or above the wrist or ankle


b. Other forms of TPD until the insured person reaches 65 years of age.


* Based on the prevailing interest rate. This rate is not guaranteed and is subject to change without notice.


 Projected Cash Bonus of 0.8% of Sum Assured from end of Policy Year 2 to 9


‡ Projected Cash Bonus of 2% of Sum Assured and Guaranteed Cashback of 2% of Sum Assured from end of Policy Year 10 onwards


§ Prevailing interest rate at 3% p.a., subject to change


As the bonus rates used for the benefits illustrated above are not guaranteed, the actual benefits payable will vary according to the future performance of the Participating Fund

This advertisement has not been reviewed by the Monetary Authority of Singapore.


All ages specified refer to age next birthday. 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.


Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid.


In case of discrepancy between the English and the Chinese versions, the English version shall prevail.


This plan 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 ( or


Information correct as on 27 February 2015.