Make your dream lifestyle a reality with Gro Cash Flex Pro

Receive yearly cash benefits

Enjoy yearly cash payouts[1] from the end of the 2^nd policy year.

Customise your insurance savings plan

Flexible choice of premium and policy terms.

Continuity of wealth accumulation

Appoint your loved one as a secondary insured[2] so your policy can continue in the event of death of the insured.

Save confidently

With capital guaranteed upon maturity, get back at least all of the premiums you have paid[3], excluding premiums on optional rider(s), on top of the non-guaranteed bonuses[4]. This applies to policies paid yearly only.

Receive protection as you save

Receive coverage[5] in the event of the insured’s death or diagnosis of terminal illness.

Here’s a closer look at some of the benefits you get.

Receive yearly cash benefitsof 3% of the sum assured^[1] and non-guaranteed yearly cash bonuses^[1] so you can continue to enjoy the things you love while you save. You may also have the option of choosing monthly cash benefits^[1].

Choose your premium term and policy term based on your lifestyle and financial goals:

Premium Term (Years)	Policy Term (Years)
5	10, 15, 20, 25, 30 years or till age 120
10	15, 20, 25, 30 years or till age 120
15	20, 25, 30 years or till age 120
20	25, 30 years or till age 120
25	30 years or till age 120
30	Till age 120

Choose to receive your cash payouts and spend it however you like or accumulate with us to receive interest at a rate of up to 3.00% p.a.^[8]

Receive a maturity benefit^[9] consisting of the cash value of the policy at the end of the policy term.

Enjoy hassle-free application without the need for any medical check-up, which means you can start building your wealth with just a simple step.

Need more protection?
Enhance your coverage with a rider

Savings Protector Pro

In the unfortunate event of Total and Permanent Disability (TPD before the anniversary immediately after you reach the age of 70), the future premiums on the basic policy will be waived[6,7] for the remaining premium term. The basic policy will continue to apply (as if premiums have been paid) during this period. A lump sum benefit equivalent to two years annual premium[7] will also be paid. You will also enjoy peace of mind in the event of retrenchment. Should you get retrenched and stay unemployed for 3 consecutive months, you do not have to pay premiums for your policy for 6 months with our Retrenchment Benefit[6,10]. You will still receive the same coverage during that time and have a peace of mind while looking for a new job. If you remain retrenched at the end of the 5th month when your premiums are waived for your policy, you can choose to defer[11] the payment of premiums for your policy for the next 6 months.

Learn more

Cancer Premium Waiver (GIO)

You can also choose to add on the Cancer Premium Waiver (GIO) rider so that your future premiums are waived should you be diagnosed with a major cancer during the term of the rider[12].

Learn more

Let us walk you through Gro Cash Flex Pro.

40 years old

Ms Lee is planning for her retirement and signs up for Gro Cash Flex Pro with a sum assured of $37,310.

She also supplements her plan with a rider, Savings Protector Pro¹.

She pays a yearly premium $6,000 for 10 years for a policy term of 15 years.

42 years old

After the end of the 2^nd policy year, the policy begins to pay an illustrated yearly cash payout² of $1,768³. Ms Lee chooses to receive yearly cash payouts to fund her annual shopping vacation to Japan.

45 years old

Ms Lee was medically certified to be totally and permanently disabled after an accident.

The premiums for the remaining 5 years of premium term ($30,000) are waived^1,4. She also receives a lump sum benefit of $12,000^1,4, which is equivalent to 2 years of her annual premiums.

She continues to receive yearly cash payouts² to supplement her living expenses.

54 years old

Should Ms Lee pass away at age 54 and no secondary insured⁵ is appointed, her family would have received a payout of $65,743^3,6 and the policy terminates thereafter.

Important notes

The figures are rounded to the nearest dollar, and are used for illustrative purposes only.

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum.

Should the long-term average return be 3.00% per annum, the illustrated yearly cash payout² would be $1,477⁷. Should Ms Lee pass away at age 54 and no secondary insured⁵ is appointed, the policy would have paid out $64,967^6,7.

¹Savings Protector Pro is a non-participating rider, which includes the TPD Benefit and Retrenchment Benefit. Please refer to the policy contract for further details.

²If the insured survives at the end of two years from the policy entry date and premiums for this policy have been paid for at least two years, you will start to receive cash payouts after the end of the 2^nd policy year. The cash payout consists of a yearly cash benefit, which is 3% of your sum assured, and a non-guaranteed cash bonus, which is up to 5.40% of your sum assured (based on a 5 year premium term for a policy term till age 120 and the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). The non-guaranteed yearly cash bonus is dependent on the premium term and policy term, and may vary according to the future performance of the Life Participating Fund. If the Life Participating Fund earns a long-term average return of 3.00% per annum, the non-guaranteed cash bonus will be up to 2.97% of the sum assured (based on a 5 year premium term for a policy term till age 120). The policyholder will receive the final yearly cash benefit and cash bonus as a lump-sum with the maturity benefit if the insured is still alive and the policy has not ended. The policy will end once this payment is made.
If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. The amount of each monthly cash benefit payment will be worked out. The policyholder cannot change the payout frequency once the first cash benefit is paid.
The above-mentioned percentages do not reflect the policy’s illustrated yield at maturity. The sum assured in this plan is a notional value used to determine the cash benefit and non-guaranteed bonuses. It does not represent the amount payable upon death or diagnosis of terminal illness.

³The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.

⁴If the policyholder becomes totally and permanently disabled (TPD before the anniversary immediately after the policyholder reaches the age of 70) during the premium term, the TPD Benefit allows you to stop paying premiums on the basic policy for the remaining premium term subject to the terms of the policy contract. If the premium for the basic policy and Savings Protector Pro rider has already been fully paid, only the lump sum benefit will be paid. The lump sum benefit is equivalent to 2 years of the annual premium for the basic policy and Savings Protector Pro rider. You cannot change the premium term or increase the sum assured after you claim this benefit.

⁵Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:

The premium of this policy is paid only with cash;
No nomination of beneficiary has been made for this policy; and
There is no change to the ownership of this policy including assignment, bankruptcy, and trust.

⁶In the event of the insured’s death or terminal illness during the term of the policy, the policy will pay 105% of all net premium(s) and a terminal bonus. Net premium(s) means the regular premium amount as shown in the policy schedule, or the reduced regular premium amount if a part of this policy has been cashed in earlier. If you change the frequency of your regular premium amount, we will use the then current regular premium amount to work out all net premium(s) paid. Net premium(s) do not include the premiums paid on riders.

We will also pay any cash benefits and cash bonuses which have built up (accumulated). If the option to receive the cash benefits in monthly payments was selected, the remaining monthly cash benefit payments and cash bonuses (if any) for that policy year will be paid out. The policy terminates thereafter.

⁷The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.00% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with us, the interest rate will be based on 1.50% per annum and it is not guaranteed. Prevailing interest rate at the point of deposit will be determined by us.

Mr Lee: 55 years old

Mr Lee wants to grow his wealth and plan for his retirement.

He signs up for Gro Cash Flex Pro with a sum assured of $41,667 and a policy term till age 120. He pays a yearly premium of $25,000 for five years, and appoints his 17-year-old son, Gary, as the secondary insured¹.

Mr Lee: 57 years old

After the end of the 2^nd policy year, the policy pays a yearly cash payout². He chooses to accumulate his yearly cash payout² with Income Insurance.

Mr Lee: 70 years old

When Gary decides to buy a new house at age 32, Mr Lee withdraws the illustrated accumulated cash payout of $59,802³ to support his son’s home renovation expenses.

Mr Lee then chooses to start receiving the illustrated yearly cash payout² of $3,500³ to support his retirement years.

Mr Lee: 80 years old
Gary: 42 years old

Mr Lee passes away, and the Gro Cash Flex Pro policy continues with Gary as the insured of the policy.

Gary: 82 years old

When Gary turns 82, the policy matures and he receives a payout of $274,167^3,4. By this time, the policy would have provided an illustrated total payout of $508,969³, which is 4.07 times of the premiums paid.

Important notes

The figures are rounded to the nearest dollar, and are used for illustrative purposes only.

However, should Gary pass away at age 80, his family would receive a payout of $203,467^3,6, and the policy terminates thereafter. The policy would have provided an illustrated total benefit of $431,269³, which is 3.45 times of the premiums paid.

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum.

Should the long-term average return be 3.00% per annum, the illustrated accumulated cash payout would be $38,425⁵ when Gary is age 32. Should Gary pass away at age 80, the policy would have paid out $197,200^5,6 and the policy would have provided an illustrated total benefit of $355,001⁵. If Gary survives to the end of the policy term, the maturity benefit would be $261,667^4,5 and the policy would have paid out an illustrated total benefit of $424,442⁵. The yearly cash payout² that Mr Lee will receive at age 71 to support his retirement years is $2,487⁵.

¹Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:

The premium of this policy is paid only with cash;
No nomination of beneficiary has been made for this policy; and
There is no change to the ownership of this policy including assignment, bankruptcy, and trust.

⁴If the insured survives at the end of the policy term and the policy has not already ended, the policy will pay the cash value. Any accumulated cash benefits and cash bonuses will also be paid. The policy terminates thereafter.

⁵The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.00% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with us, the interest rate will be based on 1.50% per annum and it is not guaranteed. Prevailing interest rate at the point of deposit will be determined by us.

We will also pay any cash benefits and cash bonuses which have built up (accumulated). If the option to receive the cash benefits in monthly payments was selected, the remaining monthly cash benefit payments and cash bonuses (if any) for that policy year will be paid out. The policy terminates thereafter.

Your policy toolkit

Eligibility and payment frequency

For policyholders

Minimum Entry Age (last birthday)	Maximum Entry Age (last birthday)
16^	N.A.

For the insured

Premium Term	Minimum Entry Age (last birthday)	Maximum Entry Age (last birthday)
5 years	0	70
10 years	0	65
15 years	0	60
20 years	0	55
25 years	0	50
30 years	0	45

^Individuals who take up the policy on their own from 10 to 15 years old (age last birthday) will require parental/legal guardian’s consent. Parents cannot take up policies on the lives of their children who are 18 years old (age last birthday) and above.

You can make your payments monthly, quarterly, half-yearly, or yearly.

Brochures

Gro Cash Flex Pro Brochure (English)

Policy conditions

Gro Cash Flex Pro - Policy Conditions Savings Protector Pro - Policy Conditions

Your queries answered.

I would like to know more about

Gro Cash Flex Pro is a participating, regular premium endowment¹plan. It provides protection against death and terminal illness of the insured during the policy term.

Cash benefits are payable each year and the first cash benefit is payable two years from the policy entry date. We will also pay a maturity benefit at the end of the policy term.

¹An endowment plan combines insurance protection with a savings element. A participating policy is entitled to share in the profits of the participating fund. These profits are distributed via bonus declarations and are payable upon maturity, surrender or when there is a claim.

Yes, there is guaranteed acceptance for this plan regardless of the insured’s health condition. However, financial underwriting is applicable.

If the insured dies during the term of the policy, we will pay 105% of all net premium(s) paid and a terminal bonus.

We will also pay any cash benefits and cash bonuses which have built up, including any interest earned, until then.

The policy will end when we make this payment.

If you have appointed a secondary insured before the insured dies, we will not pay this benefit. Upon the death of the insured, the secondary insured becomes the insured and this policy will continue.

This policy is not valid if the insured commits suicide within one year from the cover start date.

We will refund the total premiums paid, without interest, less any amounts we have paid the policyholder, and any amount the policyholder owes us, from the cover start date.

If the insured becomes terminally ill during the term of the policy, we will pay 105% of all net premium(s) paid and a terminal bonus.

We will also pay any cash benefits and cash bonuses which have built up, including any interest earned, until then.

The policy will end when we make this payment.

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; or

- unlawful acts, provoked assault, or deliberate exposure to danger; or

- the effects of alcohol, drugs or any dependence.

If the insured survives at the end of two years from the policy entry date, and if premiums for this policy have been paid for at least two years, a cash benefit will be paid. The first cash benefit will be paid two years from the policy entry date.

Each yearly cash benefit is 3% of the sum assured and we pay it every year as long as the insured is still alive and the policy has not ended.

If the sum assured of the policy is at least S$80,000, the yearly cash benefit can be received in monthly payments. The amount of each monthly cash benefit payment will be worked out.

If the insured survives at the end of the policy term and the policy has not already ended, the final yearly cash benefit (in other words, 3% of the sum assured) and the cash bonus will be paid as a lump-sum with the maturity benefit. The policy will end once this payment is made.

You cannot change the payout frequency (i.e. between yearly or monthly) once the first cash benefit is paid.

You can choose to use the cash benefit in any one of the following ways.

- Place it in a deposit account to earn interest at a rate we will set.

- Receive it as a payout.

We will write to you before the first cash benefit to remind you what you chose. If we do not receive your instruction from you at least 30 days before the first cash benefit is due, we will go ahead with your original wishes.

We will follow this same choice for the later cash benefits, unless you tell us your choice at least 30 days before the next cash benefit is due.

If the original insured experiences any of the following life events, the original insured may choose to take up a new policy (with only death and total and permanent disability benefits) on their own life, without evidence of good health:

- Turning 21
- Marriage
- Divorce
- Becoming a parent
- Death of spouse
- Purchase of a residential property

The following conditions are to be met to exercise the option to buy another life policy: - The sum assured for the new policy will be limited to 50% of the sum assured for this policy, or S$100,000, whichever is lower.

- The original insured must take up this option within three months after the date of the life event.

- The original insured must not be totally and permanently disabled, or be diagnosed with an advanced-stage dread disease at the time of taking up this option.

- The original insured must be 50 years old and under at the time of taking up this option.

- The life event must have taken place no earlier than 12 months after the cover start date of this policy.

- At our request, the original insured must provide satisfactory documentary proof of a life event.

- The original insured can take up this option no more than two times. Each time the original insured takes up this option, it must be on a different life event.

- Any special terms that are added to this policy (such as extra exclusions or an increased premium) will also be added to the new policy which the insured takes up.

The original insured has the option to buy another new life policy which covers only death and total and permanent disability. The list of plans available under the guaranteed insurability option are:

Star Term Protect
Mortgage Term
Star Secure Pro
DIRECT Star Protect Pro

You may appoint or remove a secondary insured before the death of the insured provided the following conditions are met:

- the premium of this policy is paid only with cash;
- no nomination of beneficiary has been made for this policy; and
- there is no change to the ownership of this policy including assignment, bankruptcy, and trust.

In the event of death of the insured, the secondary insured will become the insured of the policy and the policy continues until the death of the insured or end of the policy term, whichever happens first.

Any premium payments shall continue to be payable.

The policy can only have one insured at any point of time.

The secondary insured must be you (before the age of 65 years old), your spouse (before the age of 65 years old), or your child or ward (before the age of 18 years old) at the time of exercising this option.

You can exercise this option to appoint a secondary insured no more than three times.

Riders, also known as supplementary benefits, can be attached to a basic insurance policy to provide additional protection at lower cost.

The following rider(s) can be added to Gro Cash Flex Pro:

List of available rider(s)

Cancer Premium Waiver (GIO)

Savings Protector Pro

Yes, for all premium terms, cash value is available after premiums have been paid for at least 2 years.

Yes, this policy is eligible for bonuses after the end of the second policy year. There are two types of bonuses:

“Terminal” bonus is an extra bonus that we pay at the time of claim, surrender or maturity.
“Cash” bonus is added on top of each cash benefit, by applying a bonus rate to the sum assured.

Bonuses are not guaranteed. They are recommended by our Appointed Actuary and approved by our Board of Directors.

Bonus pay-outs to policyholders are primarily influenced by the performance of the Life Participating Fund (Par Fund). The Fund’s performance is predominantly driven by factors such as the investment returns of the Par Fund, its expenses and claims experience. Aligned to industry practice, Income is safeguarding policyholders’ interest by allocating 90% of Par Fund surpluses to them. This means for every $9 distributed to policyholders, only a maximum of $1 is allocated to shareholders.

If the insured survives at the end of the policy term and this policy has not already ended, we will pay the cash value.

We will also pay any cash benefits and cash bonuses which have built up.

This policy will end when we make this payment.

	Minimum	Maximum
Insured	0	75 less premium term
Policyholder	16*	N.A.

*Parents cannot be the policyholder on their child who are 18 years old (age last birthday) and above at the point of application.

Policy Term	Minimum	Maximum
10, 15, 20, 25 or 30 years	S$10,000	S$2,000,000
till age 120	S$10,000	S$3,500,000

You have a choice to select a policy term of 10, 15, 20, 25, 30 years or till age 120 depending on selected premium payment term.

Premium Term (Years)	Policy Term (Years)
5	10, 15, 20, 25, 30 years or till age 120
10	15, 20, 25, 30 years or till age 120
15	20, 25, 30 years or till age 120
20	25, 30 years or till age 120
25	30 years or till age 120
30	till age 120

The premiums can be paid monthly, quarterly, half-yearly or yearly.

No, you can only use cash to buy this policy.

Backdating is allowed if all of the following conditions are met:

The backdating is for a traditional individual (savings or protection) life policy paying regular premium or single premium. Backdating for investment-linked policy and annuity policy is not allowed;
The backdating results in a lower premium or better protection value / policy payouts due to a lower entry age; and
The policy is backdated to a date up to one day before the Insured’s last birthday and it must be within 6 months from date of receipt of application by Income.
Backdating of policy to a date before the launch date of the main plan or rider is not allowed.

Yes, we may grant the loan from this policy depending on our terms and conditions.

We will take all loans and their interest from any amount we may be due to pay under this policy. If at any time the amount of the loans and interest is more than the cash value, this policy will end.

Understand the details

[1] If the insured survives at the end of two years from the policy entry date and premiums for this policy have been paid for at least two years, you will start to receive cash payouts after the end of the 2nd policy year. The cash payout consists of a yearly cash benefit, which is 3% of your sum assured, and a non-guaranteed cash bonus, which is up to 5.40% of your sum assured (based on a 5 year premium term for a policy term till age 120 and the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). The non-guaranteed yearly cash bonus is dependent on the premium term and policy term, and may vary according to the future performance of the Life Participating Fund. If the Life Participating Fund earns a long-term average return of 3.00% per annum, the non-guaranteed cash bonus will be up to 2.97% of the sum assured (based on a 5 year premium term for a policy term till age 120). The policyholder will receive the final yearly cash benefit and cash bonus as a lump-sum with the maturity benefit if the insured is still alive and the policy has not ended. The policy will end once this payment is made.
If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. The amount of each monthly cash benefit payment will be worked out. The policyholder cannot change the payout frequency once the first cash benefit is paid.
The above-mentioned percentages do not reflect the policy’s illustrated yield at maturity. The sum assured in this plan is a notional value used to determine the cash benefit and non-guaranteed bonuses. It does not represent the amount payable upon death or diagnosis of terminal illness.

[2] Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:
• The premium of this policy is paid only with cash;
• No nomination of beneficiary has been made for this policy; and
• There is no change to the ownership of this policy including assignment, bankruptcy, and trust.

[3] Capital guarantee on Gro Cash Flex Pro excludes any optional rider(s), on the condition all premiums are paid, and that the policy is held until maturity date with no policy alterations or claims made during the entire policy term.

[4] Bonus rates are not guaranteed and will vary according to the future performance of the Life Participating Fund.

[5] In the event of the insured’s death or terminal illness during the term of the policy, the policy will pay 105% of all net premium(s) and a terminal bonus. Net premium(s) means the regular premium amount as shown in the policy schedule, or the reduced regular premium amount if a part of this policy has been cashed in earlier. If you change the frequency of your regular premium amount, we will use the then current regular premium amount to work out all net premium(s) paid. Net premium(s) do not include the premiums paid on riders.

We will also pay any cash benefits and cash bonuses which have built up (accumulated). If the option to receive the cash benefits in monthly payments was selected, the remaining monthly cash benefit payments and cash bonuses (if any) for that policy year will be paid out. The policy terminates thereafter.

[6] Savings Protector Pro is a non-participating rider, which includes the TPD Benefit and Retrenchment Benefit. Please refer to the policy contract for further details.

[7] If the policyholder becomes totally and permanently disabled (TPD before the anniversary immediately after the policyholder reaches the age of 70) during the premium term, the TPD Benefit allows you to stop paying premiums on the basic policy for the remaining premium term subject to the terms of the policy contract. If the premium for the basic policy and Savings Protector Pro rider has already been fully paid, only the lump sum benefit will be paid. The lump sum benefit is equivalent to 2 years of the annual premium for the basic policy and Savings Protector Pro rider. You cannot change the premium term or increase the sum assured after you claim this benefit.

[8] The interest rate of 3.00% per annum is not guaranteed. Prevailing interest rate at the point of deposit will be determined by us.

[9] If the insured survives at the end of the policy term and the policy has not already ended, the policy will pay the cash value. Any accumulated cash benefits and cash bonuses will also be paid. The policy terminates thereafter.

[10] If you are retrenched, you will not have to pay the premiums for the basic policy and Savings Protector Pro rider for six months from the next premium due date onwards. For this to apply, you must meet all the following conditions. You must have paid at least six months’ premiums. The premium of this policy is paid only with cash;
• You must have paid at least six months’ premiums.
• Your retrenchment must have taken place no earlier than six months after the cover start date.
• You have not been able to find employment for three months in a row after being retrenched.

[11] At the end of the 5th month when you have stop paying premiums, you can choose to defer the premiums for your basic policy, Savings Protector Pro rider and any optional riders for the next 6 months (“deferment period”). For this benefit to apply, you must remain retrenched and is unable to pay premiums, the basic policy does not have any or sufficient cash value to activate the automatic premium loan and you must inform us at least one month before the start of the deferment period. During the deferment period, the basic policy, Savings Protector Pro rider and any optional rider will still remain in force, anniversary remains unchanged, any cash benefit payable will be paid after deducting the deferred premiums due and bonus will continue to be declared. At the end of the deferment period, you will need to pay the deferred 6 months premium in a single payment. This benefit can only be claimed once under this Savings Protector Pro rider.

[12] This is applicable only after one year from the cover start date. Cover start date refers to the date we issue the rider or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is the latest). However, if the insured is diagnosed with any one of the major cancer within one year from the cover start date, we will end this rider and refund 100% of the premiums paid on this rider. You will then have to continue paying premiums for your Gro Cash Flex Pro policy. The insured must survive at least 30 days after the insured is diagnosed with a covered major cancer before we pay the major cancer benefit. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, or received treatment for any cancer, including carcinoma-in-situ, before the cover start date. You can find the usual terms and conditions of this rider, full list of our specified major cancer and their definitions in your policy contract.

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 is for general information only. You can find the usual terms, conditions and exclusions of this plan in the policy conditions. 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 24 December 2025

Let us help you

Got a question?

Speak with an advisor

Want to find the best fit?

Compare plans

What's your protection gap?

Select a category to compare

I want to compare

with

Compare

Gro Cash Flex Pro

Insurance Savings Plan

Manifest your dream life and build your wealth, the way you want

Key Benefits

Make your dream lifestyle a reality with Gro Cash Flex Pro

Here’s a closer look at some of the benefits you get.

Need more protection?
Enhance your coverage with a rider