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Max the stress ball has been out of a job since his owner, David, started enjoying capital guarantee1 with Gro Cash Plus and Gro Cash Sure.
Food for thought
From 2005 to 2025, the MAS Core Inflation rose 45%. Hypothetically, this would also mean that over a period of 20 years, a $10 basket of regular day-to-day expenses in 2005 would cost $14.50 in 2025[2]. Is your money today working hard enough for your future?
The energy shock from the Iran war will cascade down the Singapore economy in direct and indirect ways – with businesses in construction, real estate and food & beverage among those also likely to face higher costs, on top of transport operators[3]. With such uncertainties, have you considered the assurance of having your capital guaranteed?
Attitudes towards retirement are changing. More than just a life stage, 80% feel retirement is a time to learn and grow, while 71% feel it's a time for new experiences[4]. Do you have sufficient financial support to attain your desired retirement lifestyle?
Explore our capital guaranteed¹ insurance savings plans
I am looking for a savings plan with a 3-year premium term.
Gro Cash Plus
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Important notes
[1] At the end of the premium term, if the policyholder did not cash in this policy and all premiums for this policy have been paid for, the guaranteed cash value for this policy is equal to the total premiums paid, excluding premiums paid on riders. If the policyholder chooses to cash in this policy partially, the sum assured after the partial cash payout cannot be less than the minimum sum assured limit or any other amount Income Insurance may tell the policyholder about. Income Insurance will use the new sum assured and reduced regular premium amount, excluding premiums paid on riders, to work out the guaranteed cash value (if any) from the policy entry date.
[2] SmartWealth, Average Annual Inflation Rate in Singapore (2026).
[3] The Straits Times, Energy shock from Iran war to hit S’pore sectors like property and F&B; bunkering already affected.
[4] Fullerton Fund Management, Rethinking Retirement.
[5] The cash payout consists of a cash benefit and a non-guaranteed cash bonus. If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, Income Insurance will start paying the cash benefit at the end of the premium term. Income Insurance may pay a cash bonus on top of each cash benefit by applying a bonus rate to the sum assured. Income Insurance may or may not pay this cash bonus for each policy year. The percentage of the sum assured for the yearly cash benefit is dependent on the policy entry age of the original insured. If the sum assured of the policy is at least $80,000, you can choose to receive the yearly cash payouts in monthly payments. You cannot change the frequency you receive the cash benefit (yearly or monthly) after the first cash benefit is paid out. Please refer to the policy conditions for further details.
[6] Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times. Terms apply for the benefit. Please refer to the policy conditions for further details.
[7] The cash payout consists of a cash benefit and a non-guaranteed cash bonus. If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, Income Insurance will start paying the cash benefit at the end of the premium term. Income Insurance may pay a cash bonus on top of each cash benefit, by applying a bonus rate to the sum assured, and may include any loyalty bonus payable from the end of 20th policy year after the end of premium term. Income Insurance may or may not pay this cash bonus for each policy year.
If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. Please refer to the policy conditions for further details.
Exclusions
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.
Important Notes
This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of Gro Cash Plus here and Gro Cash Sure here. 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 product is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a product 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 policy is a long-term commitment on your part. If you cancel your policy prematurely, the cash value you receive may be zero or less than the premiums you have paid for the policy.
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 Income Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 28 August 2026 (SGT).
