Wealth Accumulation

Prime Rewards

Guaranteed annual payouts and protection, with just a one-time payment

For just one upfront premium payment - and without any medical check-ups - Prime Rewards provides you with a guaranteed annual income for your choice of 10, 15 or 17 years, plus coverage against death and total and permanent disability1. And, if you choose to reinvest your annual payouts, you will also receive additional accumulated interest.

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Key benefits


Receive cash every year

After an accumulation period of three or five years, you’ll get an annual payout of up to 10.5% of your premium, plus an annual cash bonus2 .


Enjoy easy, guaranteed signup

As long you're below 70 years of age, you can sign up without having to go for any medical check-ups4 .


Re-invest for greater returns

To receive higher returns, simply re-invest your annual payouts and cash bonuses to earn interest3 .


Get the flexibility you need

To suit your financial goals and budget, Prime Rewards offers you a choice of three savings and payout periods.

How Prime Rewards works


Personal accident: To enjoy comprehensive coverage against accidents, consider Essential Protector Plus.


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


Long-term care: Cover yourself for a lifetime with ElderShield Comprehensive, which pays a monthly benefit when you're unable to perform at least two Activities of Daily Living (ADLs)5.

1 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.


2 Non-guaranteed.


3 The current interest rate is 3% p.a. for re-investment. This rate is not guaranteed and is subject to change without notice.


4 The maximum age for signup is 70 years. For the 20-year Prime Rewards plan, the maximum age for signup is 65 years.


5 Activities of Daily Living (ADLs) are: washing, dressing, feeding, toileting, mobility and transferring.

All ages specified refer to age next birthday.


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 ( or


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


Information correct as on 27 February 2015.