Start by deciding if you’d like to invest for a commitment period of 3 or 5 years1. Then, we’ll support your investment journey by lining up an array of benefits and flexibilities:
Investing alongside you
Booster Bonus – Up to 20%2 of your regular premium paid in the 1st policy year.
Contribution Bonus – 2% p.a.3 on your regular premium when you continue paying for your investment beyond policy year 3 or 5 till end of policy year 10, depending on your chosen minimum investment term.
Loyalty Bonus – Up to 2.25% p.a.4 of initial units account value5 from policy year 11 onwards.
Support that you will have
Penalty-free partial withdrawal – From policy year 3 onwards, you can enjoy 2 penalty-free partial withdrawals6.
Involuntary Unemployment Benefit – We’ve got you covered in the event of involuntary unemployment. Premium shortfall charge can be waived for up to 6 months if you stop paying premiums.
Curated funds with complimentary auto-rebalancing service
Curated funds – Exclusive opportunity to invest in over 50+ curated funds from globally established fund managers.
Complimentary auto-rebalancing service – Our auto-rebalancing technology tracks and monitors your portfolio to make adjustments based on your predefined fund allocation.
For further details on the above features, please refer to the product summary.
_______________________________________________________________________________________________________
1Premium shortfall charge will only be applicable if you miss paying premium in policy year 3 for 10 year - (3 flexi) minimum investment term, or from policy year 3 to 5 for 10 years - (5 flexi) minimum investment term. Surrender charge applies if you surrender the policy within the minimum investment term.
2This Booster Bonus rate applies to policies with 10 years – (5 flexi) minimum investment term option and annual premium of S$10,000 and above.
3This Contribution Bonus rate applies to policies from policy year 4 to policy year 10 for 10 years – (3 flexi) minimum investment term option, and policy year 6 to policy year 10 for 10 years – (5 flexi) minimum investment term option.
4This Loyalty Bonus rate applies to policies with 10 years – (3 flexi) minimum investment term option.
5Regular premiums paid at the start of each policy anniversary will not be eligible for Loyalty Bonus.
6Each free partial withdrawal is capped at 5% of the initial units account value. Any excess amount withdrawn will be treated as a partial withdrawal subject to partial withdrawal limit and redemption fee, where applicable.