Savings vs. Investment-linked
What’s the difference?

Participating Savings Plans

  • Premiums go into a participating fund and all participating policyholders share the investment return of the fund
  • Insurer may declare bonuses to distribute share of profit of the participating fund
  • Usually has a guaranteed cash value
  • Unable to vary amount of insurance coverage without revision in premium rates
  • Unable to top up investment

Investment-linked Plans (ILP)

  • Policyholder chooses which ILP sub-fund to invest in and bears the ILP investment risk
  • Dividends and returns are dependent on the performance of the ILP sub-fund you invest in
  • No guaranteed cash value
  • Flexibility to vary insurance coverage for regular premium plans based on changes in financial needs without revision in premium rates
  • Flexibility to top up investment on ad-hoc or regular basis and switch funds

Find the right plan.

My plan should
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Savings plans

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Gro Capital Ease

Register your interest for the next launch. Watch this space for updates!

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Gro Saver

Stay protected while growing your wealth with a regular savings plan.

  • Protection in the event of total and permanent disability
  • Choice of policy terms
  • Regular premium term
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Gro Cash Harvest

Make your money work for you and enjoy regular cash payouts, so you can enjoy life’s golden moments.

  • Guaranteed acceptance regardless of health condition
  • Cash benefits
  • Option to receive my cash payouts
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Gro Goal Saver

Grow your wealth with a 10-year savings plan where you pay for only three years with Premium Privilege.

  • Protection in the event of total and permanent disability
  • Guaranteed acceptance regardless of health condition
  • Regular premium term
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Gro Gen Saver

Prepare your legacy for your loved ones, and enjoy peace of mind in the event of the unforeseen.

  • Guaranteed acceptance regardless of health condition
  • Capital guaranteed upon maturity
  • Regular premium term
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Gro Retire Ease

Craft your desired retirement lifestyle with monthly cash payouts.

  • Guaranteed acceptance regardless of health condition
  • Cash benefits
  • Regular premium term
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Gro Secure Saver

Grow your wealth with a flexible savings plan while staying protected.

  • Protection in the event of total and permanent disability
  • Guaranteed acceptance regardless of health condition
  • Regular premium term
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Gro Flex Saver

A savings plan with a variety of policy and premium terms that provides guaranteed yearly cash benefits after two years while protecting you.

  • Protection in the event of total and permanent disability
  • Guaranteed acceptance regardless of health condition
  • Regular premium term
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Gro Steady Saver

Enjoy protection and flexibility while you save with guaranteed yearly cash benefits after two years.

  • Protection in the event of total and permanent disability
  • Potential bonus distribution
  • Cash benefits
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Gro Junior Saver

A savings plan with guaranteed cash benefits at different stages of your child’s education.

  • Protection in the event of total and permanent disability
  • Cash benefits
  • Regular premium term
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Wealth Solitaire

Receive cash payouts and stay protected till age 100 with just a single premium.

  • Protection in the event of total and permanent disability
  • Single premium payment
  • Potential bonus distribution
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Gro Retire Wise

Prepare for your golden years with a savings plan that provides regular payouts while also protecting you.

  • Protection in the event of total and permanent disability
  • Guaranteed acceptance regardless of health condition
  • Single premium payment
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Gro Prime Saver

Receive cash payouts till age 100 while staying protected against death and having peace of mind in the event of total and permanent disability.

  • Guaranteed acceptance regardless of health condition
  • Cash benefits
  • Regular premium term
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Smart Secure

Empower your wealth with a single premium savings plan that provides cash benefits to help you fund the premiums of a specified savings plan.

  • Protection in the event of total and permanent disability
  • Guaranteed acceptance regardless of health condition
  • Single premium payment
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Gro Annuity

A single premium savings plan that gives you guaranteed income during your retirement years.

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Grandeur Solitaire (US$)

Receive cash payouts and stay protected till age 120 with just a single premium.

  • Single premium payment
  • Potential bonus distribution
  • Cash benefits

Investment-linked insurance plans (ILP)

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VivaLink

Build your wealth and stay insured with a versatile investment-linked plan.

  • Protection in the event of total and permanent disability
  • Choice of funds to invest in
  • Regular premium term
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VivoLink

Invest regularly while staying insured with a flexible investment-linked plan.

  • Protection in the event of total and permanent disability
  • Choice of funds to invest in
  • Regular premium term
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FlexiLink

Start investing with just $5,000 of your CPF savings with a fuss-free single premium investment plan.

  • Protection in the event of total and permanent disability
  • Choice of funds to invest in
  • Single premium payment
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GrowthLink

Kickstart your investments with our wide range of funds and earn potentially higher returns with low annual management fees.

  • Protection in the event of total and permanent disability
  • Guaranteed acceptance regardless of health condition
  • Choice of funds to invest in

Need more information about financial planning?

View current prices and other information for Income's investment-linked funds.

 

View the latest fund prices

Our investment practices are supported by a prudent approach and fact-based research.

 

View our investment philosophy

Our Aim Series consists of five funds with various target maturity dates, allowing you to invest for your chosen milestones.

 

View Aim Series

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