Invest flex wealth
Embark on a financial journey like no other with Invest flex wealth, a regular premium investment-linked plan that unlocks a world of possibilities, offering you unmatched flexibility and control over your wealth accumulation goals, starting from as low as S$200 per month.
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 charges4.
Access to top reputable funds
Protection
Hassle-free application
Guaranteed issuance policy; no health checks needed for Invest flex wealth plan.
Enhance your coverage with optional rider(s) subject to underwriting:
- Accelerated Death and Total & Permanent Disability rider
If the life insured becomes totally and permanently disabled before reaching the policy anniversary when he attains age 65, the death benefit payment will be accelerated.
- Extra secure waiver II
Continue your policy without paying premiums upon the life insured’s diagnosis of any of the 37 covered severe-stage critical illnesses.
Accelerated Death and Total & Permanent Disability rider
Option to add on rider for additional coverage subject to underwriting.
Notes
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 We reserve the right to revise the fund switch charges (if applicable) by giving 30 days’ written notice.
5 Net premium refers to total premium paid plus total top-up(s) less any partial withdrawal(s).
Etiqa’s ILP Sub-Funds
ILP Sub-Funds
- Abrdn All China Sustainable Equity Fund
- Alliance Bernstein American Income Portfolio Fund
- Allianz Income and Growth Fund
- BlackRock Global Funds (“BGF”) European Equity Income Fund
- BlackRock Global Funds (“BGF”) ESG Multi-Asset Fund
- BlackRock Global Funds (“BGF”) World Technology Fund
- Capital Group American Balanced Fund
- Eastspring Japan Dynamic Fund
- First Sentier Bridge Fund
- FSSA Dividend Advantage Fund
- FSSA Regional China Fund
- Fullerton Asia Absolute Alpha Fund
- Fullerton SGD Income Fund
- LionGlobal Singapore Trust Fund
- Maybank Asian Equity Fund
- Maybank Asian Growth and Income Fund
- Maybank Asian Growth and Income-I
- Maybank Asian Growth and Income (DIST)
- Maybank Asian Growth and Income-I (DIST)
- Maybank Asian Income Fund
- MAMG Global Sukuk Income-I
- PIMCO Income Fund
- PineBridge International Funds – Singapore Bond Fund
- United Global Healthcare Fund
- United SGD Money Market Fund
- United Singapore Bond Fund
Here's how Invest flex wealth works
Policy fees and charges apply. Please refer to the policy contract for full details of the terms and conditions.
The scenario(s) above are for illustration purposes only.
6 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$169,750 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 flex wealth 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. 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.
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 accurate as at 28 March 2024.
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