Savings & Investment

SAIL – Product Summary

SAIL (single premium plan) is available on a tranche basis and will be withdrawn once the allocation is reached.

Be ready for your retirement.

Start your retirement planning today with SAIL, a savings plan that works hard to give you the dream retirement. The earlier you start, the more time you have to accumulate your savings.

SAIL is a savings and retirement plan that lets you decide when you want to retire and provides you with regular annual payouts to enjoy your desired retirement lifestyle.

So enquire today, for that smooth-sailing retirement of your dreams.

  • Flexibility to choose your desired retirement age1
  • Enjoy potential returns of up to 4.37% p.a.2
  • Options to enjoy your returns
    — Regular yearly payouts over 20 years
    — Lump sum payout
  • Enjoy protection as you save
  • Hassle-free application3
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1 Accumulation period means the duration starting from the policy commencement date up to the
   retirement age that you choose. Below are the available accumulation periods that you can choose:
   - For regular premium SAIL, you can choose accumulation period of up to ages 55, 60, 65 or 70 years
     (last birthday).
   - For single premium SAIL, you can choose accumulation period of up to ages 55, 60, 62 or 65 years
     (last birthday) or accumulation period of 10, 15, 20, 25 or 30 years.

2 The projected yield of 4.37% p.a. is not guaranteed and is based on:
   - Male, age 35 who saves with regular premium SAIL,
   - With an accumulation period up to age 65 and a yearly premium of $3,000 payable till age 60, and
   - Chooses to receive regular payouts over 20 years.

Projection is based on the assumption that the Life Participating Fund earns a long-term average return of 4.75% p.a. in the future. Returns are projected based on estimated bonus rates that are not guaranteed. The actual conversion value and total payout will vary according to the future performance of the Life Participating Fund.

3 Medical check-up is not needed if you apply for:
  - Regular premium SAIL: basic plan with annual premium up to $24,000
  - Single premium SAIL: saving amount up to $100,000

This is for general information only. You can find the usual terms and conditions of this plan at or All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive can be substantially less than the premiums you have paid for the plan.

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 NTUC Income or visit the GIA/LIA or SDIC websites ( or or

Information is correct as of 25 August 2014


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75 Bras Basah Road
NTUC Income Centre
Singapore 189557

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