Invest future
Embark on ethical investing with Invest future, Etiqa’s first values-based insurance solution that is designed for investing with a purpose. Invest future is a regular premium investment-linked plan designed to meet your wealth accumulation goals with added flexibilities.
Product type
Investment-Linked Plan
Policy term
To 100
Premium term
10, 15 or 20 years
Key benefits
Multiple bonus units to boost your investment
- Accelerate your returns with start-up bonus1 of up to 80% of regular premium paid in your first year of investment.
- Enjoy special bonus1 of 5% of regular premium paid from as early as the 6th policy year2 until the end of the premium payment term.
- Enjoy loyalty bonus1 of 0.2% p.a. of account value starting from the policy anniversary after the end of the premium payment term.
Flexibility to meet your needs
- Enjoy 2 free partial withdrawals1 throughout your premium payment term (from 4th policy year) and low partial withdrawal charges1 (from 6th policy year).
- Option to do top-ups1, reduce regular premium amount1 (after 3 years of paid premiums) or activate premium-free period1 (from 6th policy year) when you need it.
- Option to change the life insured1 at any time from the 3rd policy year.
- Option to switch funds at any time without charges5.
Access to Shariah-compliant funds
Starts from just S$200 a month3 and gain access to reputable funds managed by regional and global asset management companies.
Accelerated Death and Total & Permanent Disability rider
Option to add on rider for additional coverage subject to underwriting.
Hassle-free application
Guaranteed issuance policy; no health checks needed for Invest future plan.
Leave a Legacy with a Gift
Pledge your living and/or death benefits to your loved ones or any organisations as a gift and/or wakaf 6 through nomination of beneficiary.
Protection
Note: Invest future is a Takaful product.
- Certified Shariah-compliant by Financial Shariah Advisory and Consultancy (FSAC) of Pergas Singapore
- With Takaful protection based on mutual assistance amongst policyholders
- Contract based on Takaful principles
- End-to-end Shariah investing
- Suitable Islamic wealth preservation and distribution solutions
- Recognised for Maybank Group myimpact initiative
1 Subject to applicable terms and conditions. Please refer to policy contract for details.
2 Applicable to policy with 10-year premium term only.
3 Based on the minimum premium requirement for a premium payment term of 20 years.
4 Net premium refers to total premium paid plus total top-up(s) less any partial withdrawal(s).
5 We reserve the right to revise the fund switch charges (if applicable) by giving 30 days’ written notice.
6 Wakaf is an ongoing charity, a voluntary charitable endowment from one’s personal belongings or wealth in the form of cash/property for pious and religious causes.
Etiqa’s ILP Sub-Funds
Here's how Invest future works:
Natasha, a values-driven individual aged 40 and a non-smoker, is taking proactive steps to plan for her retirement. She enrols for Invest future, a financial product that aligns with her ethical principles. By choosing a premium payment term of 20 years and monthly premium of S$700, she is protected with a basic policy sum insured equal to the higher of 105% of net premiums5 or account value.
Policy fees and charges apply. Please refer to the policy contract for full details of the terms and conditions.
7The scenario(s) above are for illustration purposes only.
The above illustrated values are based on illustrated investment rate of return of 8% per annum. Should the illustrated investment rate of return be 4% per annum, the illustrated policy value would be S$207,767 at age 65. The two rates, 4% per annum and 8% per annum, are used purely for illustrative purposes only, are non-guaranteed and do not represent the upper and lower limits on the investment performance of the selected funds. The actual benefits payable will vary according to the future performance of the selected funds. Past performance or any forecasts are not necessarily indicative of the future or likely performance of your selected funds.
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Age means the age at next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd.. This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.
Invest future is an Investment-linked Plan (ILP) which invests in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).
A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from us via https://www.etiqa.com.sg/portfolio-funds-and-ilp-sub-funds. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).
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. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.
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).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 2 January 2025.
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