Wealth Accumulation

Flexi Cashback

Build your dreams, while enjoying yearly cash payouts

Starting your career gives you a steady income stream to do what you love. At the same time, your financial responsibilities are growing, and planning for the future is the smart thing to do.


A more focused and disciplined financial plan can help you fast track to important milestones like getting married, building a family, or buying a home.


Flexi Cashback, a regular premium endowment insurance plan, makes it easy for you to kickstart your life plans without compromising on the lifestyle you enjoy. Receive guaranteed yearly cash payouts starting from the end of the second policy year1 onwards to indulge in whatever you want — whether it’s a big-ticket purchase or a vacation. Plus, you’ll be covered against Death2, Total and Permanent Disability3, and Terminal Illness, while saving for the future.

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How Flexi Cashback works?

With Flexi Cashback, you can build your dreams while enjoying yearly cash payouts. 

Key Benefits


High guaranteed yearly cash payouts

Start receiving cash payouts yearly from the end of the second policy year1 .


Flexible premium payment terms

Flexible premium payment term options from as short as 5 years and up to 25 years.  


Enhanced coverage options for added assurance

Boost your protection by adding supplementary riders such as Payer Benefit or Premium Waiver rider. 


Capital guaranteed upon maturity4

Flexi Cashback guarantees your capital and gives attractive potential returns in the form of bonuses when the policy matures.


Guaranteed acceptance

Enjoy a straightforward and hassle-free application process with no medical underwriting required.

How Flexi Cashback works


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


Hospitalisation: To cover the cost of hospitalisation, surgical or medical expenses - and make up for loss of income due to hospitalisation - consider GREAT SupremeHealthGREAT TotalCare and Supreme MediCash.

Refers to the second policy anniversary. Cash payout is payable upon survival of the life assured on each of the policy anniversaries starting from the second policy anniversary to the final policy anniversary before the policy matures.


The Company will pay the higher of the following in one lump sum, plus attaching bonus (if any), less any debt:


  (a) 105% of total standard yearly premiums paid less total survival benefits paid; or


  (b) guaranteed surrender value.


Coverage for Presumptive Total and Permanent Disability (TPD) is for the whole of the policy term, while coverage for other forms of TPD is till age  65.


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 use of two limbs at or above the wrist or ankle; or


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

Please refer to the product summary for details on other forms of TPD. 


Capital guaranteed upon policy maturity is only applicable to Flexi Cashback (Limited-Pay).


* Based on prevailing interest rate of 3% p.a. This rate is not guaranteed and can be changed from time to time.


 The guaranteed yearly cash payout is 6% of the Sum Assured.


‡ The figure comprises of guaranteed and non-guaranteed benefits. The non-guaranteed benefit is illustrated based on assumption that the illustrated investment rate of return of the participating fund is at 4.75% p.a. and accumulation interest rate is at 3% p.a.


At 3.25% p.a. illustrated investment rate of return and 1.5% p.a. accumulation interest rate, the total accumulated cash payout at age 45 would be S$39,553; the total illustrated maturity benefit would be S$45,551 and the total illustrated payouts received would be S$108,144. 


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

All ages specified refer to age next birthday.


Figures illustrated are rounded down to the nearest dollar. 


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


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.


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 (www.lia.org.sg or www.sdic.org.sg).


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


Information correct as at 2 October 2018.