flexi-goal

Wealth Accumulation

Flexi Goal

Reach your life goals with assurance and ease

As your family grows, you feel responsible for helping your loved ones reach their life goals and aspirations. With rising education costs and living expenses, and the possibility of life-changing events over the years, protecting your family’s future while preparing for your own retirement deserves proper planning.

 

Flexi Goal, a regular premium endowment insurance plan, offers high potential returns and flexible premium payment options so that you can plan better and achieve your life goals faster with certainty — whether you want a home upgrade, tertiary education for your children, or a well-deserved golden retirement. You will also enjoy protection against Death1, Total and Permanent Disabilityand Terminal Illness while saving for your future.

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How Flexi Goal works?

With Flexi Goal , you can reach your life goals with assurance and ease. 

Key Benefits

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High potential returns

Attractive yield to maturity as high as 4.04% p.a.*

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Highly customisable plan

Choose from a range of premium payment terms: Limited-Pay over 5 or 10 years, or Full-Pay from 10 to 40 years.

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Enhanced coverage options for added assurance

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

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Capital guaranteed upon maturity3

All the premiums you put into your plan are guaranteed when the policy matures.

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Guaranteed acceptance

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

How Flexi Goal works

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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 SupremeHealth, GREAT TotalCare and Supreme MediCash.

1 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; or
(b) guaranteed surrender value.

 

2 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 the policy anniversary on which the life assured is 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.

 

3 Capital guaranteed upon maturity is only applicable to Limited-Pay option with policy term of 15 years and above, or Full-Pay option with policy term of 25 years and above.

 

* 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.

 

At 3.25% p.a. illustrated investment rate of return:
In Scenario 1, total maturity is S$118,725 (whereby S$87,007 is guaranteed and S$31,718 is non-guaranteed) with 1.98% p.a. yield to maturity. 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.

 

Based on male, age 1, 25-year policy term (Full-Pay), sum assured of S$25,000.

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.

 

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.

 

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 29 November 2018.