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Invest in your future with AstraLink, a flexible investment-linked plan.
As you progress through life, your investment needs change. AstraLink is a flexible investment-linked plan that allows you to adjust your investment based on your needs. This way, you can achieve your financial goals and dreams.
There is a lot you can do with $100, like getting a new look, feasting on foods you desire, levelling up your game or staying fit. But $100 a month can also help you reach your financial goals. Start investing in your future from as little as $100 a month with AstraLink.
Start investing from as little as $100 a month with AstraLink.
Protection coverage based on the applicable sum assured multiple[1] of your choice with a MPV of 300% of the sum assured (before the anniversary immediately after the insured reaches the age of 70).
Receive up to 67.0% of your regular premiums paid in the 1st policy year.
Receive up to 1.0% annual loyalty bonus from the 10th policy anniversary.
Maximise wealth accumulation with retirement option.
Increase coverage at different life events[2].
At no charge for up to 24 months from the 3rd policy anniversary.
Here’s how AstraLink grows your wealth.
Flexibility to change, top up or withdraw[4] your investments based on your needs and stages in life
Make fund switches for maximum versatility at no charges
Invest in an extensive range of funds that are continuously being monitored by a team of experienced investment professionals
Accumulate wealth while staying protected across different life stages.
Receive coverage for death, TI or TPD depending on the period of occurrence.
| Period of occurrence (death, TI or TPD) | Benefit |
| Before the anniversary immediately after the insured reaches the age of 70 |
|
| On or after the anniversary immediately after the insured reaches the age of 70 |
|
You’ll get the option to increase your policy's sum assured without reassessment of health.
You can maximise your wealth accumulation by reducing the sum assured of your policy up to zero from age 55 onwards and after your chosen Minimum Investment Period (MIP). MIP refers to the period you have chosen during which certain charges may apply. The MIP cannot be changed.
Need more protection?
Enhance your coverage with a rider.
For greater peace of mind, you can choose to add on Critical Protect (ILP) rider[5] for extra coverage against 49 specified dread diseases. The sum assured of the rider will be 50% of the basic policy’s sum assured.
Let us walk you through AstraLink.
Mr Tan, aged 25, non-smoker, has just started his first job and is eager to plan for his future. He is looking for an investment-linked plan which provides comprehensive insurance coverage as well as wealth accumulation for his retirement.
He signs up for the AstraLink plan with a Minimum Investment Period (MIP) of 15 years and annual premium of $5,000. He is protected with a basic sum assured of $100,000 (sum assured multiple of 20x), hence his basic policy's MPV (300% of sum assured) is $300,000.
He has also chosen to enhance his coverage with the Critical Protect (ILP) rider1 with a MPV of $150,000.
He receives total investment bonus of $1,560.
He starts to receive yearly loyalty bonus from the 10th policy anniversary at 0.2% of the policy value at the end of 35 years old till 40 years old.
Mr Tan continues to pay his annual premium after his MIP ends. Income Insurance will invest 105% of his annual premium. His illustrated policy value is $139,7733 (non-guaranteed and illustrated at investment return of 8.00% p.a.).
He starts to receive yearly loyalty bonus at 0.6% of the policy value from the end of 40 years old till the end of the policy.
He is diagnosed with cancer and receives $225,000 under the Critical Protect (ILP) rider1. The rider ends after claim is made.
He maximises the potential returns on investment by exercising his retirement option. Basic policy sum assured drops to $0.
Mr Tan's illustrated nest egg (policy value) is $1,056,5753 (non-guaranteed and illustrated at investment return of 8.00% p.a.).
Important notes
Policy fees and charges apply. Please refer to the policy conditions for further details.
The above figures for illustrative purposes only, are non-guaranteed and rounded to the nearest dollar.
Should the illustrated investment rate of return be 4.00% p.a., the illustrated policy value would be $103,2134 at age 40 and $419,2714 at age 65. Should there be insufficient units to pay for policy fees and charges, the policy may end prematurely after MIP.
1Critical Protect (ILP) is a whole life unit deducting rider. The policy term of this rider will follow the policy term of the basic policy. This rider cannot be terminated during the MIP of the basic policy. This rider will end after we make payment for a specified dread disease (except angioplasty and other invasive treatment for coronary artery). For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the minimum protection value, up to $25,000, before the anniversary immediately after the insured reaches the age of 70 or 10% of the sum assured, up to $25,000, on or after the anniversary immediately after the insured reaches the age of 70. After this payment, we will reduce the sum assured for this rider by the amount of the payment. We will work out the future insurance cover charge or claims based on the reduced sum assured.
2Each time the insured experiences a life event, you may choose to take up the Guaranteed insurability option, 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.
3This figure is based on illustrated investment return of 8.00% per annum. The rate of return used is before deducting the annual management fees of the funds. The figures above assume that the annual management fee is 1.30% p.a. The performance of the funds is not guaranteed and the policy value may be less than the capital invested.
4This figure is based on illustrated investment return of 4.00% per annum. The rate of return used is before deducting the annual management fees of the funds. The figures above assumes that the annual management fee is 1.30% p.a. The performance of the funds is not guaranteed and the policy value may be less than the capital invested.
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Your policy toolkit
Eligibility and payment frequency
- The entry age is from 0 to 64 years old (last birthday).
- You can make your payments monthly, quarterly, half-yearly, or yearly.
Brochures
Policy conditions
Take the first step today to build your wealth for your future.
Speak with your preferred Income advisor or leave your contact details for us to assign an advisor and schedule a personalised needs analysis with you.
Your queries answered.
AstraLink is a whole life regular-premium investment-linked plan^.
^ An investment linked plan has both a life insurance and an investment component. Your premiums are used to pay for units in one or more investment funds of your choice. The value of these units depends on their price, which in turn depends on the investment fund’s performance.
During the term of this policy, if the insured dies, we will pay:
- the basic benefit1 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 your policy.
The policy will end when we make this payment.
1Basic benefit means:
- the minimum protection value plus total top-ups less total withdrawals before the anniversary immediately after the insured reaches the age of 70; or
- the sum assured plus total top-ups less total withdrawals on or after the anniversary immediately after the insured reaches the age of 70.
We will not pay the death benefit if the insured committed suicide within one year from the cover start date.
For suicide within one year from the cover start date, we will refund only the cash-in value and the policy will be completely free of all legal effect.
During the term of this policy, if the insured becomes terminally ill, we will pay:
- the basic benefit1 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 your policy.
The policy will end when we make this payment.
1Basic benefit means:
- the minimum protection value plus total top-ups less total withdrawals before the anniversary immediately after the insured reaches the age of 70; or
- the sum assured plus total top-ups less total withdrawals on or after the anniversary immediately after the insured reaches the age of 70.
Terminal illness, and terminally ill, means “any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the insured is expected to live for no more than 12 months.”
The specialist medical practitioner treating the condition must provide supporting evidence of the condition, possible medical treatment, the prognosis after undergoing the possible medical treatment, and certify that the insured is expected to live for no more than 12 months despite all possible medical intervention. We reserve the right to appoint an independent medical specialist who is an expert in the condition to confirm the diagnosis and prognosis.
Terminal Illness in the presence of HIV infection is excluded.
We will not pay this benefit if your claim arises from:
- deliberate acts such as self-inflicted injuries, illnesses or attempted suicide;
- unlawful acts, provoked assault, or deliberate exposure to danger; or
- the effects of alcohol, drugs or any dependence.
During the term of this policy, if the insured becomes totally and permanently disabled, we will pay:
- the basic benefit1 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 your policy.
The policy will end when we make this payment.
1Basic benefit means:
- the minimum protection value plus total top-ups less total withdrawals before the anniversary immediately after the insured reaches the age of 70; or
- the sum assured plus total top-ups less total withdrawals on or after the anniversary immediately after the insured reaches the age of 70.
Total and permanent disability (TPD), and totally and permanently disabled, mean any of the below.
- If the insured is under 65 years old, TPD, and totally and permanently disabled mean total physical loss, or the inability to take part in any paid work for the rest of a person’s life.
- If the insured is 65 years old and above, TPD and totally and permanently disabled mean total physical loss, or severe disability.
Total physical loss means:
- the total and permanent loss of sight in both eyes;
- the loss of, or total and permanent loss of use of, two limbs at or above the wrist or ankle; or
- the total and permanent loss of sight in one eye and the loss of, or total and permanent loss of use of, one limb at or above the wrist or ankle.
Severe disability means the inability to perform at least three of the following activities of daily living, even with the aid of special equipment and always needing the help of another person throughout the entire activity.
- Washing - the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means.
- Dressing - the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances.
- Transferring - ability to move from a bed to an upright chair or wheelchair and vice versa.
- Mobility - the ability to move indoors from room to room on level surfaces.
- Toileting - the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene.
- Feeding - the ability to feed oneself once food has been prepared and made available.
During the term of this policy, if the insured becomes totally and permanently disabled or dies as a result of an accident, before the anniversary immediately after the insured reaches the age of 70, we will pay an additional 100% of the sum assured on top of the TPD benefit or death benefit. We will pay this additional sum only if 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 30% of the sum assured on top of the TPD benefit or death benefit.
We will pay this benefit only if TPD or death happens within 365 days of the accident.
The policy will end when we make this payment.
Restricted activity means any of the following activities.
- Duties as firefighters, police force personnel, fishermen, armed security guards, aircrew, ship crew, marine salvage crew, oil riggers, dock workers, drivers, despatch riders, driving instructors, bodyguards and bouncers.
- Any activities involving explosives, heavy machinery, woodworking, dangerous gases or substances, using underwater breathing apparatus, work on construction or demolition sites, work at heights above 10 metres, work in underground tunnels, oil and gas rigs or offshore work.
- Military, air force or naval operations in peacetime, including training and exercises for national servicemen or reservists in peacetime.
- Motorcycling whether as rider or pillion rider.
- Professional sports, any form of race (except racing on foot, cycling or swimming), action or adventure sports that involve speed, height at above 10 metres, highly specialized gear, stunts or using underwater breathing apparatus. This definition includes rock climbing, mountaineering, parachuting, white-water rafting, horse riding, winter sports and scuba diving.
Accident and accidental mean an unexpected incident that results in an injury or death. The injury or death must be caused entirely by being hit by an external object that produces a bruise or wound, except for injury or death caused specifically by drowning, food poisoning, choking on food, or suffocation by smoke, fumes or gas.
We will not pay this benefit if accidental TPD or accidental death is caused directly or indirectly by:
- deliberate acts such as self-inflicted injuries, suicide or attempted suicide;
- unlawful acts, provoked assault or deliberate exposure to danger;
- the effects of alcohol, drugs or any dependence;
- illnesses, psychological conditions or eating disorders;
- heat stroke;
- a bad reaction to drugs or medication;
- the effects of viruses (for example, dengue), bacteria or diseases;
- the negative effects or complications of medical and surgical care;
- treatment aimed at improving appearance, such as cosmetic surgery or any treatment relating to a previous cosmetic treatment;
- radiation or contamination from radioactivity;
- being in any aircraft, except as a fare-paying passenger in a commercial aircraft, or during military operations in peacetime;
- military, air force or naval operations, except when carried out in peacetime;
- warlike operations (whether war is declared or not), war, invasion, riot or any similar event;
- an accident which happens outside of Singapore, if the insured has been outside Singapore for more than 180 days in a row at the time of the accident; or
- an act of terrorism. However, we will pay S$10,000 or 10% of the sum assured, whichever is lower, on top of the amount we pay for TPD benefit or death benefit.
A: Minimum investment period (MIP) refers to the period you have chosen during which certain charges may apply.
During the minimum investment period, if the policy value is not enough to cover the fees and charges due on your policy, we will apply the NLG benefit and we will not end the policy. In other words, the policy will continue during this period.
When we apply the NLG benefit, you will still need to pay the fees and charges due on your policy and your unit deducting rider, if any. We will take these fees and charges from any policy value or claim proceeds that you may be receiving under your policy.
We will apply the NLG benefit only when:
- you pay all your regular premiums due before the end of the grace period; and
- you do not make any withdrawals (including any funds that declare distribution) more than the total top-up made.
Once we end the NLG benefit, we will not reinstate it.
Each time the insured experiences a life event, you may choose to take up the Guaranteed Insurability Option.
You may choose to increase the sum assured of this policy, without us having to assess the insured’s health. We will limit the increase in sum assured to 50% of the sum assured when this policy was issued, or S$100,000, whichever is lower.
If you increase the sum assured of your policy, this will result in:
- An increase in the sum assured of your unit deducting rider(s), if any; and
- An increase in your regular premiums.
The increased sum assured will be based on the increased premium and applicable sum assured multiple.
Life event means:
- turning age 21;
- marriage;
- divorce;
- death of a spouse;
- becoming a parent; or
- purchase of a residential property.
The insured must meet all the following conditions to take up this option.
- The insured must take up the option within three months after the date of their life event.
- Each time the insured takes up the option, it must be on a different life event.
- The life event must have taken place no earlier than 36 months after the cover start date of the policy. The insured must not be totally and permanently disabled, or be diagnosed with an advanced stage dread disease at the time of taking up the option.
- The insured must be 50 years old or under at the time of taking up the option. At our request, the insured must provide to our satisfaction, documentary proof of a life event.
- The total TPD benefit due for the insured for any policies which have been issued (whether issued by us or by any other insurer), must be less than S$6.5 million (not including bonuses) after this option is exercised.
- The insured is a standard life.
- The total critical illness and dread disease benefit due for the insured for any policies which have been issued (whether issued by us or by any other insurer), must be less than S$3.6 million (not including bonuses) after this option is exercised.
You can choose to reduce the sum assured of the policy up to zero if all the following conditions are met:
- The insured is 55 years and above.
- Your request takes place after the minimum investment period.
The sum assured for this policy and the unit deducting rider(s), if any, will be reduced correspondingly.
You can continue to pay the regular premiums after choosing the retirement option. If you stop paying premiums, the policy will go into a premium holiday.
The insurance cover charge for this policy and the unit deducting rider(s), if any, will be reduced accordingly after you choose the retirement option.
The following riders / supplementary benefits can be added to AstraLink at the point of new policy application:
- Critical Protect (ILP)
- Total Protect
- Payor Premium Waiver
- Enhanced Payor Premium Waiver
Riders, also known as supplementary benefits, can be attached to a basic insurance policy to provide additional protection at lower cost.
We will provide an investment bonus based on a percentage of the regular premiums paid in the first 12 months shown in Table 1.
If the unit deducting rider Critical Protect (ILP) is taken up with this policy, we will provide an investment bonus based on a percentage of the regular premiums paid in the first 12 months shown in Table 2.
We will use the investment bonus to buy additional units in the funds you have chosen.
The investment bonus does not apply for sum assured multiple below 10x.
Table 1
| Sum Assured Multiple (This policy only) |
Minimum Investment Period | |||||||
| 10 years | 15 years | 20 years | 25 years | |||||
| Min $1,200 | Min $9,600 | Min $1,200 | Min $9,600 | Min $1,200 | Min $9,600 | Min $1,200 | Min $9,600 | |
| From 10x onwards | 7.0% | 15.0% | 7.0% | 15.0% | 7.0% | 15.0% | 7.0% | 15.0% |
| From 20x onwards | 11.0% | 19.0% | 26.0% | 34.0% | 40.0% | 50.0% | 42.0% | 52.0% |
| From 30x onwards | 15.0% | 23.0% | 30.0% | 38.0% | 44.0% | 54.0% | 46.0% | 56.0% |
| From 40x onwards | 19.0% | 27.0% | 34.0% | 42.0% | 48.0% | 58.0% | 50.0% | 60.0% |
| From 50x onwards | 23.0% | 31.0% | 38.0% | 46.0% | 52.0% | 65.0% | 54.0% | 67.0% |
Table 2
| Sum Assured Multiple (This policy and Critical Protect (ILP) is attached) |
Minimum Investment Period | |||||||
| 10 years | 15 years | 20 years | 25 years | |||||
| Min $1,200 | Min $9,600 | Min $1,200 | Min $9,600 | Min $1,200 | Min $9,600 | Min $1,200 | Min $9,600 | |
| From 10x onwards | 8.4% | 18.0% | 8.4% | 18.0% | 8.4% | 18.0% | 8.4% | 18.0% |
| From 20x onwards | 13.2% | 22.8% | 31.2% | 40.8% | 48.0% | 60.0% | 50.4% | 62.4% |
| From 30x onwards | 18.0% | 27.6% | 36.0% | 45.6% | 52.8% | 64.8% | 55.2% | 67.2% |
We will provide an annual loyalty bonus starting from the 10th anniversary shown in Table below. The loyalty bonus will be provided on the next working day from the anniversary.
The loyalty bonus is a percentage of the policy value based on the anniversary. It will be used to invest in the funds you have chosen.
Your policy must meet all the following conditions to receive the loyalty bonus:
- This policy must not have ended when the loyalty bonus is provided.
- You did not make any withdrawal for the past 12 months.
| Minimum Investment Period (MIP) | Loyalty Bonus from 10th policy anniversary until the end of MIP | Loyalty Bonus after the end of MIP |
| 10 years | 0.3% | 0.3% |
| 15 years | 0.2% | 0.6% |
| 20 years | 0.3% | 0.9% |
| 25 years | 0.4% | 1.0% |
Yes, your policy has a cash-in or surrender value.
The value will be the amount available when your units are multiplied by the bid price, less any fees and charges we may take.
The cut-off time used to determine the pricing of units is 3.00 pm (Singapore time) on each business day (Monday to Friday, excluding weekends and public holidays).
Buying a life insurance policy is a long-term commitment and an early termination of the policy usually involves high costs and the surrender value may be less than the total premiums paid.
No, you can only use cash to buy this plan.
The minimum regular premium amounts under different payment frequencies are as follows:
| MIP / Payment Frequency | 10 Years | 15 Years | 20 Years | 25 Years |
| Yearly | S$1,200 | S$1,200 | S$1,200 | S$1,200 |
| Half-Yearly | S$600 | S$600 | S$600 | S$600 |
| Quarterly | S$300 | S$300 | S$300 | S$300 |
| Monthly | S$100 | S$100 | S$100 | S$100 |
In addition to the minimum regular premium requirements above, for each regular premium payment, the premium amount that is used to buy units in the fund you have chosen must not be lower than the amount as set out below:
| Monthly | Quarterly | Half-yearly | Yearly |
| $50 per month | $150 per quarter | $300 per half-year | $600 per year |
You can increase your investment via ‘top-ups’ subject to a minimum amount set for each top-up and provided that you are not on premium holiday.
We will use 100% of your top-ups to buy units (at the bid price) in the funds you choose.
Top-ups do not form part of your regular premiums and will not increase the sum assured of the policy.
A partial withdrawal charge/surrender charge is applicable if you withdraw/surrender your top-ups during the minimum investment period.
You may change the amount of your regular premium only from the 3rd anniversary and provided that your policy is not on premium holiday. We may also set a minimum amount for the change in regular premium.
The change in your regular premium can only be effective when your next premium is due.
If you change your regular premium, we will adjust the sum assured of your policy and unit deducting rider(s), if any, accordingly.
If you increase your regular premium, you will need to give us satisfactory proof of the insured’s good health and confirm that there is no change in the risks covered by this policy.
You will have to pay a surrender charge if you reduce your regular premium during the minimum investment period.
You may change the sum assured for your policy only from the 3rd anniversary and provided that your policy is not on premium holiday.
The change in your sum assured can only be effective when your next insurance cover charge’s deduction date is due.
If you increased your sum assured, you will need to give us satisfactory proof of the insured’s good health and that there is no change in the risks covered by this policy.
You may reduce your sum assured as long as it is not less than the minimum sum assured based on the applicable sum assured multiple.
If you change the sum assured, we will adjust the regular premium of your policy based on the applicable sum assured multiple. A surrender charge is applicable if you reduce your sum assured during the minimum investment period.
No, you cannot backdate your policy.
You can refer to this webpage for more information.
There is no restriction on the number of funds if you are able to meet the minimum investment amount for each selected fund as set out below:
Regular Premium / Recurring Top-ups:
| Monthly | Quarterly | Half-yearly | Yearly |
| $50 per month | $150 per quarter | $300 per half-year | $600 per year |
Single Top-ups:
The investment amount to buy unit in the funds you have chosen must not be lower than $1,000.
Yes, you can switch funds subject to the following terms:
i. We may tell you to leave a minimum amount in that fund if you are not switching out of a fund completely; and
ii. We may charge you a small amount, set a minimum amount for each switch and/or limit the number of switches you can carry out.
For all funds that declare distributions, we will reinvest each distribution into the fund from which it is paid. We do this by buying units at the bid price (unless we say otherwise) on the payout date as set out in the ‘Semi Annual Fund Report’ or ‘Annual Fund Report’, or its equivalent. Units reinvested is managed as part of your unit holdings in the policy.
Forward pricing means that the prices of your transacted funds will only be computed after the close of each dealing day.
The prices will be updated on our website here after 2 working days from the close of each dealing day.
For cash policy, all transactions and premiums received by us by 3.00 pm (Singapore time) each day will be executed based on the unit prices of the same business day.
For transactions submitted on a non-business day (i.e. Saturday, Sunday or public holiday), the execution will be based on the prices valued for the following business day.
The bid price will be used to work out the policy value.
Our fund prices are updated daily on our website here.
There is a percentage of your regular premiums that we use to buy units (at the bid price) in the funds you choose. This percentage varies based on the minimum investment period and number of months that regular premiums have been paid as shown in Table below.
| Minimum Investment Period (MIP) | Monthly regular premium (or its equivalent for other payment frequency) | Percentage of regular premium to buy units |
| 10 years | 1st - 120th | 100% |
| 121st onwards | 105% | |
| 15 years | 1st - 180th | 100% |
| 181st onwards | 105% | |
| 20 years | 1st - 240th | 100% |
| 241st onwards | 105% | |
| 25 years | 1st - 300th | 100% |
| 301st onwards | 105% |
We may change the percentage of regular premium to buy units in the funds you chose by giving you notice. This percentage will not be less than 100%.
If you change your regular premium, the same table will apply to your adjusted regular premium to buy units in the funds.
Premium holiday is a feature that allows you to stop paying your regular premium for a certain period of time for as long as the policy value is enough to keep it on force.
From the 2nd anniversary, if you still have not paid the premium after the grace period, this policy will enter into a premium holiday. During this premium holiday period, you can stop paying premium provided the policy value is able to cover the fees and charges that continue to be due on your policy.
From the 3rd anniversary, you can take a premium holiday without any premium holiday charge according to the minimum investment period shown in Table below. After which, we will apply the premium holiday charge if your policy continues to be on premium holiday during the minimum investment period.
| Minimum Investment Period (MIP) | Premium holiday period without premium holiday charge |
| 10 years | 12 months |
| 15 years | 12 months |
| 20 years | 24 months |
| 25 years | 24 months |
You cannot make any top-ups during the premium holiday.
Any premium holiday will end once you start paying your regular premiums again.
If this policy ends because its policy value falls to zero or less (negative value), you can request to reinstate within 36 months by starting to pay the required regular premiums. This applies as long as you give us satisfactory proof of the insured’s good health and there is no change in the risks covered by this policy. Also, if the policy value has become negative, you may need to make a top-up in addition to the required regular premiums before we agree to reinstate your policy.
Yes, your insurance cover charge continues to apply during premium holiday hence your insurance coverage will be provided during premium holiday.
Premium holiday will only be available from the 2nd anniversary.
Before the 2nd anniversary during the minimum investment period, if you still have not paid the premium after the grace period, we will end this policy with no payout to you.
Yes, you can make partial withdrawal from your funds subject to the following terms:
- The minimum partial withdrawal amount is $500 each time; and
- You need to hold a minimum policy value of $1,000 in aggregate (across all sub-funds) under the policy.
We will apply a partial withdrawal charge for each partial withdrawal of the units in your fund(s) you make during the minimum investment period
The formula for computation is as follows:
Withdrawal value = Number of units withdrawn from selected fund × Bid price of the selected fund
Partial withdrawal charge will apply for each partial withdrawal you make during the minimum investment period.
Upon cancellation during free look, we will refund you:
- The premiums you have paid; or
- The value of your policy units (excluding bonus units) based on the applicable bid price on the date we receive your cancellation request, plus any applicable fees and charges deducted from the policy,
whichever is lower, less any medical fees and other expenses such as payments for medical check-ups and medical reports incurred by us.
The maximum amount payable to you under this policy (including any refunds and distributions) in the event of such cancellation is the total amount of premiums paid (without interest).
The policy will end when we make this refund.
The annual management fee is not the same for all ILP funds. The fee for each fund can be found in the Fund Report.
You must pay a policy fee based on the policy value shown in Table below. You must pay this fee on a monthly basis.
| Policy Year | Policy Fee |
| From Year 1 to 5 | Annual rate of 5% of policy value |
| From Year 6 onwards | Annual rate of 1% of policy value |
The policy fee applies throughout the policy term and we will take this policy fee from the policy value of your policy by cancelling units at the bid price.
You must pay a monthly insurance cover charge.
We will work out the monthly insurance cover charge taking into consideration of the sum at risk, the Insured’s age, gender and whether they smoke at the time of application.
We will take this insurance cover charge from the policy value of your policy by cancelling units at the bid price.
However, if the sum at risk is zero or less (negative value), we will not apply the insurance cover charge for that month.
When deciding on your claim, we will refund the monthly insurance cover charges that we have taken after the date you told us about the event giving rise to the claim.
We do not charge any premium charge. However, we may change this at any time by giving you notice.
We will deduct a surrender charge from the policy value during the MIP if:
- You surrender the policy in full (including top-ups);
- You decrease the regular premium or sum assured; or
- You did not pay your regular premiums before the 2nd anniversary
If your policy cash-in value after surrender charge is zero or less, we will not pay any benefit and your policy will end.
We will apply a partial withdrawal charge for each partial withdrawal of the units in your fund(s) you make during the minimum investment period. We will deduct the partial withdrawal charge before we pay the partial withdrawal amount.
After a partial withdrawal is made, the sum assured and regular premium to be paid will remain the same.
If the policy value of the units for a partial withdrawal after deducting the partial withdrawal charge falls below the required minimum policy value, your withdrawal request will not be accepted and you will not receive any payout.
You must pay the premium holiday charge on a monthly basis 30 days from the premium due date if:
- You stop paying premiums; or
- You request for a premium holiday;
from the 2nd anniversary during the minimum investment period.
The premium holiday charge applies if you did not pay any premiums until the end of the minimum investment period or when this policy end.
We will take this premium holiday charge from the policy value of your policy by cancelling units at the bid price.
Premium holiday charge does not apply if the policy enters into a premium holiday after the minimum investment period.
No, you cannot take a loan from this policy.
Understand the details
[1] Sum assured multiple means the factor we use to work out your sum assured for your basic policy, or for a specific rider that you attach to your basic policy, based on your regular premium when we issue the policy. The sum assured multiple cannot be changed unless the retirement option is exercised. The Minimum Protection Value (MPV) is applicable before the anniversary immediately after the insured reaches the age of 70.
[2] Each time the insured experiences a life event, you may choose to take up the Guaranteed insurability option, 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] Policyholders can stop paying regular premium temporarily during the MIP from the 2nd anniversary, provided the policy value is sufficient to cover the applicable fees and charges. Premium holiday charges apply if premium holiday is taken during MIP.
[4] Charges may apply, refer to the policy conditions for details.
[5] Critical Protect (ILP) is a whole life unit deducting rider. The policy term of this rider will follow the policy term of the basic policy. This rider cannot be terminated during the MIP of the basic policy. This rider will end after we make payment for a specified dread disease (except angioplasty and other invasive treatment for coronary artery). For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the minimum protection value, up to $25,000, before the anniversary immediately after the insured reaches the age of 70 or 10% of the sum assured, up to $25,000, on or after the anniversary immediately after the insured reaches the age of 70. After this payment, we will reduce the sum assured for this rider by the amount of the payment. We will work out the future insurance cover charge or claims based on the reduced sum assured.
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
This information 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. 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.
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 changed. 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.
This is for general information only. You can find the usual terms and conditions of this 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 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 may be zero or less than the premiums you have paid for the plan.
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 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.
Information is correct as at 28 January 2026
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