Take our poll
Which of the following sounds more like you?
We tend to be excessively generous with others, and often act on the opinions and expectations of others rather than what's best for us. However, when we prioritise the needs of others before ours and the desire to please or impress those around us, we tend to think less about our personal needs and eventually fail to plan for our own retirement.
Having a “Me First” mentality when it comes to financial planning ensures that we set aside enough for ourselves before spending on others and things in life that are important to us.
How Singaporeans feel about putting themselves first before others
acknowledge that there are times in life when they will put themselves first
agree that the best way to plan for their retirement starts with making their long-term financial needs a priority today
consider the notion of putting their needs first as financially responsible behaviour
Find out more about the survey commissioned by Income here.
Put #MeFirst today
Prioritise your financial needs to plan for a financially independent future. Let us help you find a plan that best suits your needs.
Gro Retire Flex
Achieve your desired retirement lifestyle with monthly cash payouts
- Choice of desired payout period: 10, 20 years or till age 100
- Continuity of policy with secondary insured in the event of insured’s death
- Additional coverage against accidental death, and disability
Grow your wealth on your own terms and leave a legacy
- Receive monthly cash payouts from the end of the 2nd policy year till age 120, with just a single premium
- Option to receive cash payouts or accumulate to receive interest
- Continuity of the policy with an appointed secondary insured until the anniversary immediately after the original insured’s 120th birthday
Leave a legacy to safeguard your loved ones
- Enjoy high minimum protection value of up to 320% of sum assured, against death & terminal illness, till age 80
- Guaranteed cash value of 80% of your single premium from the day your policy starts
- Stay protected against total & permanent disability with optional rider
Gro Sure Saver
Grow your wealth on your own terms
- Enjoy guaranteed yearly cash benefits from the end of the 2nd policy year onwards
- Flexibility to choose premium terms
- Option to receive cash payouts or accumulate to receive interest
Take the first step towards planning for your retirement.
Speak with your preferred Income advisor or leave your contact details for us to assign one and schedule a personalised needs analysis with you.
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The information and descriptions on this website 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. Do note that not all our plans are included on this website. The precise terms, conditions and exclusions of these plans are specified in their respective 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 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.
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.
ft1 For regular premium policy, Gro Retire Flex includes Gro Retire Flex – Protection Benefit, a non-participating rider, which includes the Accidental Death Benefit, Disability Care Benefit and Retrenchment Benefit. Please refer to the policy contract for further details.
ft2 If the insured dies as a result of an accident (before the anniversary immediately after the insured reaches the age of 70), we will pay an additional 105% of all net premium(s) paid, on top of the death benefit, as long as the insured was not taking part in a restricted activity at the time of the accident. If the insured was taking part in a restricted activity at the time of the accident, we will only pay an additional 63% of all net premium(s) paid, on top of the death benefit. We will pay this benefit only if the death happens within 365 days of the accident. Please refer to the policy contract for further details.
If you have appointed a secondary insured before the insured dies as a result of an accident (before the anniversary immediately after insured reaches the age of 70), we will not pay this benefit. Upon the accidental death of the insured, the secondary insured becomes the insured and the basic policy and its rider, Gro Retire Flex – Protection Benefit, will continue.
ft3 Disability Care Benefit will apply upon diagnosis of the insured with any one of the conditions – loss of use of one limb, loss of speech, loss of sight of one eye and loss of hearing, arising from accidental injury or sickness during the term of the Gro Retire Flex – Protection Benefit rider. The benefit will be paid according to the date of diagnosis. There are certain conditions under which no benefits will be payable. Please refer to the policy contract for the definition of each condition and the circumstances in which a claim can be made.
ft4 During the policy term, if the insured becomes terminally ill or dies, before the policy anniversary immediately after the insured reaches the age of 80, 100% of sum assured and 100% of non-guaranteed bonuses, or minimum protection value of the basic policy, whichever is higher will be paid. The minimum protection value of the basic policy depends on the age of the insured at policy entry date (age last birthday), and could be up to 320% of the sum assured. If the insured becomes terminally ill or dies, on or after the policy anniversary immediately after the insured reaches the age of 80, 100% of the sum assured and 100% of non-guaranteed bonuses will be paid.
ft5 Heritage Solitaire includes a non-participating compulsory rider, Heritage Solitaire – Protection Benefit. This rider pays part of the minimum protection value and an extra lump sum for accidental death. Please refer to the policy conditions for further details.
ft6 Guaranteed cash value of 80% of your single premium applies to policies issued at standard premium. Standard premium refers to the premium amount before any premium discount or additional premiums charged due to medical conditions.
ft7 You will start to receive 5% of your sum assured as your yearly cash benefit starting from the end of the 2nd policy year if you have paid the premiums for at least 2 years. You will continue to receive your cash benefit at subsequent policy years if the insured is still alive and your policy has not been converted to paid-up or ended.
Information is correct as of 7 September 2021.