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Flexi Cashback
with our guy, Jon.

Meet Jon, 25. He’s the man with a plan.

The guy who signed up for a 25-year Flexi Cashback (Full Pay) policy and contributes a monthly premium of $201.20. Having done the math, Jon thinks it’s totally worth it.
Here’s why:

Flexi Cashback in a nutshell.

Live your best life

Live Your Best Life

More cash for travel with annual cash payouts starting from the second policy anniversary1.

Save for the future

Save For The Future

Attractive potential rewards such as bonuses upon policy maturity.

Protect the now

Protect The Now

Safeguard yourself against the unexpected with coverage against death2, total and permanent disability3 as well as terminal illness.

Sign up in a snap

Sign Up In a Snap

No medical underwriting is required for this policy.

Do it your way

Do it Your Way

Enjoy flexible premium payment term options in as short as five years, and at up to 25 years.   

Build your own plan

Build Your Own Plan

Add on supplementary riders such as Payer Benefit or Premium Waiver Rider to boost your protection. 

Check out Jon's big plan.

FOMO product illustration


Want more cash to travel again and again like our guy, Jon? Sign up for the Life Travel Kit today.

Register now

 

 

 

Footnotes

1 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.

2 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.

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

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

5 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 accumulated cash payout at maturity from age 33 would be $29,234, the total illustrated maturity benefit would be S$26,690 and the total illustrated payouts received would be S$64,924.

6 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 illustrated payouts received would be S$64,924 and the return on total premiums paid would be 7%.

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. 

In the above example, Premium was derived based on Male, 25 years old, Non-smoker who purchases 25 Year Full Pay Flexi Cashback plan.

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

Disclaimer

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).

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