Flexibility. That's Income's Investment-Linked Plans.

[1] Percentage varies based on your chosen Minimum Investment Period (MIP) and the number of months that regular premiums have been paid, as determined by us.

[2] During the MIP, the policyholder may choose to exercise a free partial withdrawal if the insured experiences a life event, subject to the policy’s terms and conditions. Please refer to the policy conditions for further details on the life events and the applicable terms and conditions.

[3] No premium holiday charge is up to a specified period according to the MIP selected. Policy Ts&Cs apply.

[4] Dividend refers to the distribution of certain funds that have a distribution option that we may declare. The policyholder will be entitled to receive these distributions if the policy has not ended and has units in these funds on the declaration date of the distribution. The distribution amount will depend on the number of units the policyholder holds in these funds on the date we declare the distribution. The frequency and/or amount of distributions (if at all) may be varied at our absolute discretion. Distributions are not guaranteed. We may or may not pay a distribution every year. If the distribution amount for a fund meets the minimum amount we tell the policyholder, the policyholder can choose to receive all future distributions from that fund as payouts.

Distributions may be made out of the income and/or capital of the sub-fund. Any payout of distributions from the capital of the sub-fund may result in an immediate reduction of the net asset value per share/unit. Please refer to the policy conditions for further details on the declaration of distributions, reinvesting distributions, and the applicable terms and conditions.

[5] During the term of this policy, if the insured becomes terminally ill or dies, we will pay the adjusted sum assured at the claim event date or the policy value at the time we are told about the claim; whichever is higher. We will take off any fees and charges which apply to the policyholder’s policy. If the policyholder makes any transactions (including top-ups and withdrawals) after the claim event date, we reserve the right to adjust the amount payable for the claim accordingly. The policy will end when we make this payment. We will not pay any further benefits. If the policyholder has appointed a secondary insured before the insured dies, we will not pay this benefit. Upon the death of the insured, the secondary insured becomes the insured and this policy will continue.

[6] This is calculated based on an annual regular premium of $6,000 paid by a male, non-smoker aged 30, with a sum assured of $500,000, selecting a 10-year MIP.

[7] From the 5th anniversary, the policyholder may choose to exercise withdrawals of up to 5% of the prevailing policy value (excluding the top-up account) without any withdrawal charge. Any withdrawals made under this option will reduce the policy value accordingly and the sum assured will remain unchanged. This option may only be exercised once per policy year. Withdrawals under this option will continue to be subject to the applicable withdrawal limits set out in the policy conditions.

[8] Each time the original insured experiences a life event, the policyholder may choose to increase the sum assured without us having to assess the original insured’s health, subject to the policy’s terms and conditions. We will limit the increase in sum assured to 50% of the sum assured when this policy was issued, or S$500,000, whichever is lower. 

If the original insured is covered for any benefits in policies issued by us that offer a guaranteed insurability option to buy another life policy, guaranteed insurability option to increase the sum assured of the policy or other similar guaranteed insurability option benefit, the aggregate of the insured amounts under such guaranteed insurability option benefit cannot exceed S$500,000 for the original insured.

Please refer to the policy conditions for further details on the life events and the applicable terms and conditions.

Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy conditions for the precise terms, conditions and exclusions of the plan. The policy conditions will be issued when your application is accepted.

Important Notes

This is for general information only and is not to be construed as an offer, recommendation, solicitation or advice for the subscription, purchase or sale of any investment-linked plan (ILP) sub-fund or product(s). It does not constitute any financial advice and does not have regard to the specific investment objectives, financial situation, and particular needs of any person.

Investments are subject to investment risks, including the possible loss of the principal amount invested. Before committing to the minimum investment period, you may want to consider how long is your investment expectations or needs and whether you are able to keep up with the premium payment should your financial situation change. 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 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. 

You can find the usual terms, conditions and exclusions of Invest Flex plan here, Invest Flex Vantage plan here and Legacy Flex Solitaire plan 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 websites (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 26 February 2026