Here’s what you get with AstraLink.
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Protection coverage based on the applicable sum assured multiple[1] of your choice with a Minimum Protection Value (MPV) of 300% of the sum assured (before the anniversary immediately after the insured reaches the age of 70)
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Investment Bonus of up to 67.0% of your regular premiums paid in the 1st policy year
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Up to 1.0% annual loyalty bonus from the 10th policy anniversary
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Wealth accumulation with retirement option
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Increase coverage at different life events[2] with Guaranteed Insurability Option
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Adapt to life’s uncertainties with premium holiday[3]
Here’s how AstraLink grows your wealth.
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Flexibility to change, top up or withdraw[4] your investments based on your needs and stages in life
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Make fund switches for maximum versatility at no charges
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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.
Protection in case of death, Terminal Illness (TI) or Total and Permanent Disability (TPD)
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 |
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On or after the anniversary immediately after the insured reaches the age of 70 |
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At specified life events[2] such as getting married or becoming a parent
You’ll get the option to increase your policy's sum assured without reassessment of health.
When you are ready to retire
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 to pay regular premiums.
Need more protection?
Enhance your coverage with riders.
Critical Protect (ILP) 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.
Period of occurrence | Benefit[5] |
Before the anniversary immediately after the insured reaches the age of 70 | Rider’s MPV |
On or after the anniversary immediately after the insured reaches the age of 70 | Rider’s sum assured |
Let us walk you through AstraLink.
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How AstraLink helps you achieve protection and wealth accumulation
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.
25 years oldHe 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.
30 years oldHe gets married and enhances his coverage without requiring a health reassessment2. He increases his annual premium to $7,500.
He is protected with:
- - Basic sum assured (sum assured multiple of 20x): $150,000
- - Basic policy's MPV: $450,000
- - Critical Protect (ILP) rider1 MPV: $225,000
35 years oldHe 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.
40 years oldMr Tan continues to pay his annual premium after his MIP ends. Income 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.
50 years oldHe is diagnosed with cancer and receives $225,000 under the Critical Protect (ILP) rider1. The rider ends after claim is made.
55 years oldHe maximises the potential returns on investment by exercising his retirement option. Basic policy sum assured drops to $0.
65 years oldMr Tan's illustrated nest egg (policy value) is $1,056,5753 (non-guaranteed and illustrated at investment return of 8.00% p.a.).
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.
Important Notes
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. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of what we would have paid for the other specified dread diseases, subject to a maximum amount of $25,000. The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. The rider will continue with a 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 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.
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.
© 2021 Income. All rights reserved.
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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.
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Footnotes
- 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.
- 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.
- 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.
- Charges may apply, refer to the policy conditions for details.
- 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. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of what we would have paid for the other specified dread diseases, subject to a maximum amount of $25,000. The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. The rider will continue with a reduced sum assured.
Exclusions
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.
Important Notes
This information is not to be construed as an offer or solicitation 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 www.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.
Protected up to specified limits by SDIC.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as of 13 June 2022.
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