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 Any excess amount withdrawn will be treated as a partial withdrawal subject to partial withdrawal limit and redemption fee, where applicable.