Multiply your returns steadily to meet your wealth goals and lifestyle needs. Plus, be assured with 100% capital guaranteed2 as early as the end of the 15th policy year.
Choose to appoint your spouse or child as a secondary life assured, as the policy value continues to grow beyond your demise and support their future.
Have the freedom to decide when and how you want to use your cash value for life’s milestones or even pass on the financial choice to your spouse or child.
Our financial representative will answer any questions you may have about our products and planning.
1 Based on the illustrated cash value at the end of policy year 60, premium payment term of 5 years and an illustrated investment rate of return (IIRR) of the participating fund at 4.25% p.a.. Based on an IIRR at 3.00% p.a., the multiplied returns are up to 4.4X or more.
Potential returns are not guaranteed and are dependent on the premium payment term and policy year when the plan terminates. The actual benefits payable may vary according to the future performance of the participating fund.
2 Capital guarantee is on the condition that no policy alterations are made. Capital is guaranteed after 15 policy years for 5-pay and 10-pay. Capital is guaranteed after 20 policy years for 15-pay.
5 This plan matures on the policy anniversary at which the life assured as at the inception of the policy (Josh for this example), is age 120 next birthday.
* The figure comprises guaranteed and non-guaranteed benefits. The non-guaranteed benefits are illustrated based on the illustrated investment rate of return (IIRR) of the participating fund at 4.25% p.a.. Based on IIRR of 3% p.a., the total surrender value at the end of year 20, 40, 60 and 119 are S$34,433 (>1.4X of total premiums paid), S$58,213 (>2.4X of total premiums paid), S$106,423 (>4.4X of total premiums paid) and S$716,746 (>29.9X of total premiums paid) respectively. The actual benefits payable may vary according to the future performance of the participating fund.
All ages specified refer to age next birthday.
All figures used are for illustrative purposes only and are subject to rounding.
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 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).
In case of discrepancy between the English and Chinese versions, the English version shall prevail.
Information correct as at 28 October 2022.