Enjoy the assurance of having your capital guaranteed with Gro Cash Sure
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With capital guarantee[1] upon the end of premium term, you will have the assurance of getting back the total premiums paid[1] in the form of guaranteed cash value.
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Enjoy lifetime of cash payouts[2] starting from the end of the premium term till age 120.
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Choose your premium term of 5 or 10 years based on your lifestyle and financial goals.
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Appoint your loved one as a secondary insured[3] so your policy can continue in the event of death of the insured.
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Receive coverage[4] in the event of the insured’s death or diagnosis of terminal illness.
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Enhance your coverage with a rider. Get premiums waived[5] upon total and permanent disability (before the anniversary immediately after you reach the age of 70) for the remaining premium term of your basic policy. A lump sum benefit equivalent to two years annual premium of the basic policy and Savings Protector Pro rider will also be paid.
Here’s a closer look at some of the benefits you get.
Lifetime cash payouts starting from the end of the premium term till age 120
Get rewarded with our loyalty bonus
Option to accumulate or enjoy your cash payouts
Guaranteed acceptance regardless of health conditions
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[5] 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 of the basic policy and Savings Protector Pro rider 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 basic policy and Savings Protector Pro rider for up to 6 months with our Retrenchment Benefit[5]. 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 the payment of premiums for your policy for the next 6 months.
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[6].

Your policy toolkit.
Eligibility and payment frequency
Entry Age (Age Last Birthday)
Minimum | Maximum | |
Insured | 0 | 75 - Premium Term |
Policyholder | 16 | N.A. |
Premium Term: 5 or 10 years
The premium term cannot be changed after a claim has been made on the TPD benefit of Savings Protector Pro in the event it is attached to Gro Cash Sure.
You can make your payments monthly, quarterly, half-yearly, or yearly.
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Policy conditions
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Your queries answered.
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Footnotes
- At the end of the premium term, if the policyholder did not cash in this policy and all premiums for this policy have been paid for, the guaranteed cash value for this policy is equal to total premiums paid, excluding premiums paid on riders. If the policyholder choose to cash in this policy partially, the sum assured after the partial cash payout cannot be less than the minimum sum assured limit or any other amount Income may tell the policyholder about. Income will use the new sum assured and reduced regular premium amount excluding premiums paid on riders to work out the guaranteed cash value (if any) from the policy entry date.
- If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, Income will start paying the cash benefit at the end of the premium term. Income may pay a cash bonus on top of each cash benefit, by applying a bonus rate to the sum assured, and may include any loyalty bonus payable from the end of 20th policy year after the end of premium term. Income may or may not pay this cash bonus for each policy year. Each yearly cash benefit is 2% of the sum assured and the non-guaranteed cash bonus without loyalty bonus is 7.3% of your sum assured and with loyalty bonus is 7.9% of your sum assured (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). At an illustrated investment rate of return of 3.00% per annum, the non-guaranteed cash bonus without loyalty bonus is 4% of your sum assured and with loyalty bonus is 4.35% of your sum assured.
If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. Please refer to the policy contract for further details. - 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. Terms apply for the benefit. Please refer to the policy contract for further details.
- If the insured becomes terminally ill or dies during the term of this policy, Income will pay the sum of:
a. The higher of:
- 105% of all net premium(s) paid excluding premiums paid on riders; or
- the guaranteed portion of the cash value,
and
b. a terminal bonus.
Income will pay the cash value if it is higher than the sum calculated above and any cash benefits and cash bonuses which have built up, including any interest earned until then. The policy terminates thereafter. - 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.
- 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 Sure 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.
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 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 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 31 January 2023.
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