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

Participating Insurance Savings Plans

  • Premiums go into a Life Participating Fund and all participating policyholders share the investment returns of the Life Participating Fund
  • Insurer may declare bonuses to distribute share of profit of the Life 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
  • Flexibility to top up investment on ad-hoc or regular basis and switch funds

Find the right plan.

My plan should have
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Result

Insurance Savings plans

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Gro Capital Ease

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Gro Cash Flex Pro

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Gro Retire Flex Pro

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Gro Saver Flex Pro

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Gro Power Saver Pro

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Gro Annuity Pro

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Luxe Plus Solitaire

Investment-linked insurance plans (ILP)

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WealthLink

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AstraLink

Need more information about financial planning?

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

 

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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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