A savings and retirement plan that provides you with regular annual payouts.
We pay 105% of the net premiums and of the bonuses  or 101% of the net premiums and of the bonuses  for those with medical conditions in the event of death or total and permanent disability (TPD before age 65) during the accumulation period.
We pay 105% of the remaining regular payments or 101% of the remaining regular payments for those with medical conditions in the event of death or total and permanent disability (TPD before age 65) during the payout period.
You have the flexibility to choose your desired retirement age from age 55, 60, 62 or 65 (last birthday). Alternatively, you can choose to retire in 10, 15, 20, 25 or 30 years from the start of your policy.
You will only need to pay a one-time single premium for your policy.
You can choose to receive your regular  retirement income over 20 years or in one lump sum at your chosen retirement age.
Your policy will be accepted regardless of your health condition when you sign up for a policy with a sum assured of up to $100,000.
This policy will share in the profits and losses of the Life Participating Fund .
View an illustration of how SAIL works
We waive future premium payments of the basic plan in the event of death or total and permanent disability (TPD before age 65) of the policyholder during the term of the rider. This rider is applicable only if the insured is not the policyholder.
We waive future premium payments of the basic plan in the event of death, total and permanent disability (TPD before age 65), or diagnosis of dread disease  (except for angioplasty and other invasive treatment for coronary artery) of the policyholder during the term of the rider. This rider is applicable only if the insured is not the policyholder.
We waive future premium payments of the basic plan, if the policyholder is diagnosed with dread disease  (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
You need to make a one-time single premium payment with a minimum amount of $10,000. The maximum premium limit set depends on your health and financial condition.
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
This page is for general information only. You can find the usual terms and conditions of this plan in the policy contract. 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.
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 websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).
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