This information is not to be construed as an offer or solicitation for the subscription, purchase or sale of any investment-linked plan (ILP) sub-fund. The information and descriptions contained in this material are provided solely for general informational purposes and do not constitute any financial advice. It does not have regard to the specific investment objectives, financial situation and particular needs of any persons. The precise terms, conditions and exclusions of these plans are specified in their respective policy contract.

Investments are subject to investment risks including the possible loss of the principal amount invested. Past performance, as well as the prediction, projection or forecast on the economy, securities markets or the economic trends of the markets are not necessarily indicative of the future or likely performance of the ILP sub-fund. The performance of the ILP sub-fund is not guaranteed and the value of the units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. A product summary and product highlights sheet(s) relating to the ILP sub-fund are available and can be obtained from your insurance advisor or online at www.income.com.sg/funds. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund.

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 advisor. 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 (if applicable) may be zero or less than the premiums you have paid for the plan. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan (subject to the respective products’ terms and conditions). For ILP, the refund amount is based on the market value of your selected funds and this could mean that you get back less than the original investment.

(Applicable for products that fall under the Policy Owners' Protection Scheme). 
These policies are 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 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.

Footnotes

ft1 Subject to precise terms, conditions and exclusions specified in the policy contract for Enhanced IncomeShield and riders.

ft2 We will pay for this benefit if you are legally responsible for the following which is accidentally caused by your pet in Singapore:
- Bodily injury to any person
- Loss or damage to property

We will pay:
- The legal costs and expenses for representing you; and
- The amount awarded against you by the court in Singapore

Exclusions apply.

ft3 Applicable to Income’s Drivo^TM Car Insurance and Motorcycle Insurance policyholders. Policy terms and conditions apply.

ft4 Upon death of the insured during the policy term, Income will pay: 

1. the basic benefit; or
2. the policy value at the time of the claim;
   Whichever is higher, taking off any fees and charges which apply to your policy. The basic benefit means 105% of net premium(s) paid when the death of the insured happens before the anniversary immediately after the insured reaches the age 65 or 101% of all net premium(s) paid when the death of the insured happens on or after the anniversary immediately after the insured reaches age 65. The policy terminates thereafter. Net premium(s) means the initial single premium paid, and the total of all top-ups made, less all amounts cashed in.

ft5 Accidental death benefit is payable only if the death was a result of an accident (on or after the anniversary immediately after the insured reaches the age of 65 and before the anniversary immediately after the insured reaches the age of 75), Income will pay 105% of all net premium(s) paid; or the policy value at the time of the claim, whichever is higher. Income will either pay for the Death Benefit or the Accidental Death Benefit only, whichever is higher. Income will pay this benefit only if the death happens within 365 days of the accident. Otherwise, we will pay only the Death Benefit, taking off any fees and charges which apply to your policy. Please refer to policy conditions for more details.

ft6 This plan will pay for the training of one caregiver and the training will be conducted by our appointed provider.