Savings & Investment

SAIL – Product Summary

Your retirement plan for peace of mind.

SAIL provides you a regular stream of retirement income for twenty years, while being covered for death and total and permanent disability (TPD before age 65).

It is designed to provide a comfortable retirement so that you can still enjoy life’s pursuits in your golden years.

  •  Flexibility to choose your desired retirement age
  • Pay in one single premium
  • Regular2 retirement income over 20 years
  • Potential returns of up to 4.10% p.a.1

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To know how you can be ready for your retirement with SAIL,
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1 The projected yield of 4.10% per annum is not guaranteed and is based on:
- Male, age 50 who saves $100,000 with SAIL,
- With a selected retirement age of 65 and
-Chooses to receive regular yearly retirement income over 20 years, starting one year after the policy anniversary on which he reaches his selected retirement age of 65.

2 You may also choose to receive your retirement income yearly, monthly, quarterly or half-yearly, subject to policy conditions.

This is for general information only. You can find the usual terms and conditions of this plan at 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 28 January 2015


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75 Bras Basah Road
NTUC Income Centre
Singapore 189557

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