Harvest
Regular Savings Plan
Short-term savings for your long-term goals.
Long-term goals with a short-term commitment.
Harvest
5-year savings plan Long-term goals
With Harvest, all it takes is 5 years of premiums to fulfill your long-term goals, and at the same time, providing you with protection.
| BENEFIT AT A GLANCE |
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Short-term commitment to fulfill your long-term goals
With Harvest, you can map out a savings plan with 5 years of premiums, while catering to your needs at different life stages, be it planning for your child’s tertiary education or providing liquidity during retirement years.
How Harvest works for you
Mr Tan, age 30, decided to purchase a policy to fund his son’s tertiary education. He has decided to sign up for Harvest, with a sum assured of $50,000 with a policy term of 20 years for his 1- year old son, James.
When James turns 21 years old, he will have a projected sum of $80,508 to fund his tertiary education.

The figures used are for illustrative purpose only.
Projected figures are based on Male, age 30 with a sum assured
of $50,000 and a 20 year policy term.
Savings and Protection in one plan
Harvest is more than just a savings plan. It also provides you with Death and Total and Permanent Disability coverage during the policy term (TPD coverage ceases at age 65).
Enhanced protection with riders
Harvest offers premium waiver riders against Death, Total and Permanent Disability or Dread Diseases during the premium payment term.
IMPORTANT NOTES
1 Guaranteed benefits are payable only if the policy is held until maturity,
on the condition that no policy alterations or related transactions have occurred during the entire policy term.
2 The figures in the illustration are projected based on the assumption that
the Life Participating Fund earns an average return of 5.25% per annum in the
future. Returns are projected based on estimated bonus rates that are non-guaranteed.
The actual maturity value payable may vary according to the future performance
of the Life Participating Fund.
This brochure is for general information only and is not a contract of insurance.
The precise terms, conditions and exclusions of this plan are specified in the
Policy Contract. Please visit www.income.com.sg to read a copy of the Policy
Contract. You should seek advice from a qualified adviser if in doubt. If you
choose not to, you will have to take sole responsibility to ensure that this
product is appropriate to your financial needs and insurance objectives. Buying
a life insurance policy is a long-term commitment. An early termination of the
policy usually involves high costs and the surrender value payable may be less
than the total premiums paid. In the event of any ambiguity, discrepancy or omission
between the English and Chinese versions, the English version shall apply and
prevail.
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