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Invest flexibly and maximise your investment potential with Invest Flex Vantage.
Invest from as low as $200 a month with Invest Flex Vantage, an investment-linked plan that gives you the option to receive a potential income stream from the 1st policy year with dividend-paying funds[1] to support your expenses while offering the flexibility to achieve your investment goals, even when life throws you a curveball.
Kickstart your investment journey early with Invest Flex Vantage.
From the 1st policy year with dividend-paying funds[1].
Get up to 105% of your regular premiums paid to purchase units.
Charge-free partial withdrawals when a specified life event occurs[2].
At no charge for up to 120 months from the 5th policy anniversary.
Receive up to 55.0% of your regular premiums paid for the 1st policy year.
Receive 0.5% annual loyalty bonus[4] starting from the 10th policy anniversary or the end of the Minimum Investment Period (MIP)^, whichever is later.
Here are other benefits you can get.
Continuity of wealth accumulation with a secondary insured[5].
Receive coverage[6] for death or terminal illness.
Tailor your investment to suit your lifestyle and preferences with the option to top up[7] your investments.
Have the control of switching[8] your investments between available funds anytime at no charge[8].
Policy fees will be reduced from 2.5% to just 0.5% of the policy value per annum from the 11th policy year onwards.
Invest in an extensive range of funds that are continuously being monitored by a team of experienced investment professionals.
Need more protection?
Enhance your coverage with a rider
You will not need to make future premium payments for your basic policy if you are diagnosed with a major cancer[9] during the term of the rider.
You will not need to make future premium payments for your basic policy if you are diagnosed with dread disease[10] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
(Only applicable if the insured is not the policyholder) You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, are totally or permanently disabled (before age 70), or are diagnosed with dread disease[10] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
(Only applicable if the insured is not the policyholder) You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, or are totally and permanently disabled (TPD before age 70) during the term of the rider.
Watch this video as we dive into why a flexible Investment-Linked Plan is important and explore the benefits of Invest Flex Vantage.
Let us walk you through Invest Flex Vantage.
John, age 45, is looking for a plan to grow his wealth for his retirement and receive protection at the same time. He signs up for Invest Flex Vantage plan with a Minimum Investment Period (MIP)* of 10 years and an annual premium of $12,000.
He selects a dividend-paying fund1 with an illustrated potential dividend payout of 6.5%^ p.a. and chooses to receive the dividend payouts as his potential monthly income. On top of it, he is also covered against death and terminal illness2.
57 years old
After he completes 10 years of premium payment, Income Insurance will invest 102% of his annual premium paid.
67 years old
John retires and continues receiving his monthly dividend1 to supplement his expenses. John continues to pay the annual premium. After he completes 20 years of premium payment, Income Insurance will invest 105% of his annual premium paid.
Important notes
Policy fees and charges apply. Please refer to the policy conditions for further details.
^Non-guaranteed, subject to declaration by the sub-funds and for illustration purposes.
The above figures are for illustration purposes only, non-guaranteed, illustrated at an investment return of 8% p.a. and rounded to the nearest dollar.
Should the illustrated investment rate of return be 4.00% p.a., if the dividend payout is 4%^p.a., John will receive a potential dividend1 of $5657 in the first policy year at age 45, and the illustrated policy value would be $74,2917 at John's age of 55. At age 85, the death benefit will be $455,5107, the illustrated policy value is $244,4527, and the total potential dividends paid is $266,0897. The dividend payouts John receives each year would be $1,9687 at age 50, $3,4237 at age 55, $5,4867 at age 60, $7,364 7 at age 65, $9,0357 at age 70, $10,3177 at age 75 and $10,8927 at age 80. Both rates of return used (4% p.a. and 8% p.a.) do not represent the upper or lower limits of the investment performance. Should there be insufficient units to pay for policy fees and charges, the policy may end prematurely after the MIP.
*Minimum Investment Period (MIP) refers to the period you have chosen during which certain charges may apply. The MIP cannot be changed.
1 Dividend refers to the distribution of certain funds that have a distribution option that we may declare. The policyholder will be entitled to receive these distributions if the policy has not ended and has units in these funds on the declaration date of the distribution. The distribution amount will depend on the number of units the policyholder holds in these funds on the date we declare the distribution. The frequency and/or amount of distributions (if at all) may be varied at our absolute discretion. Distributions are not guaranteed. We may or may not pay a distribution every year. If the distribution amount for a fund meets the minimum amount we tell the policyholder, the policyholder can choose to receive all future distributions from that fund as payouts.
Distributions may be made out of the income and/or capital of the sub-fund. Any payout of distributions from the capital of the sub-fund may result in an immediate reduction of the net asset value per share/unit. Please refer to the policy conditions for further details on the declaration of distributions, reinvesting distributions, and the applicable terms and conditions.
2 If the insured becomes terminally ill or dies within one year from the cover start date, we will pay the policy value less any bonus at the time we were told about the claim. If the insured becomes terminally ill or dies after one year from the cover start date, we will pay 101% of the net premium(s) paid or the policy value at the time we were told about the claim, whichever is higher. We will take off any fees and charges that apply to your policy. The policy will end when we makes this payment. If the policyholder has 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.
3 This figure is based on an 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 1.50% p.a. The performance of the funds is not guaranteed, and the policy value may be less than the capital invested.
4 During the MIP, the policyholder may choose to exercise a free partial withdrawal if the insured experiences a life event, 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.
5 The policy will enter into a premium holiday provided the policy value is able to cover the fees and charges that continue to be due on the policy. The premium holiday charge may be payable during the premium holiday if it is within the MIP. From the 5th policy anniversary, the policyholder can take a premium holiday without any premium holiday charge up to the specified period, according to the MIP selected. Please refer to the policy conditions for further details.
6 From the 10th policy anniversary, or the end of the MIP, whichever is later, we will provide an annual loyalty bonus of 0.5% of the policy value based on the anniversary. The loyalty bonus will be provided on the next working day from the anniversary, and will be used to invest in the funds the policyholder has chosen. The policy must meet all the following conditions to receive the loyalty bonus:
a. The policy must not have ended when the loyalty bonus is provided.
b. The policyholder did not make any withdrawal, except withdrawal under the life events withdrawal benefit, for the past 12 months before the date for the loyalty bonus payment.
Please refer to the policy conditions for further details.
7 This figure is based on an 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 assume that the annual management fee is 1.50% p.a. The performance of the funds is not guaranteed, and the policy value may be less than the capital invested.
© 2026 Income Insurance. All rights reserved.
Your policy toolkit.
Eligibility and payment frequency
Entry Age (Age Last Birthday)
| Minimum | Maximum | |
| Insured | 0 | 80 - Minimum Investment Period |
| Policyholder | 18 | N.A. |
You can make your payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
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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.
Invest Flex Vantage 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.
Yes, there is guaranteed acceptance for this plan regardless of the insured’s health condition. However, financial underwriting will be required.
During the term of this policy, if the insured dies, we will pay the benefit shown below:
| Time the insured event happens | Benefit |
| Within one year from the cover start date | The policy value less any bonus at the time we are told about the claim |
| After one year from the cover start date | - 101% of net premium(s) paid; or - the policy value at the time we are told about the claim; whichever is higher |
Any applicable fees and charges which apply to the policy will be deducted. 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.
We will not pay the death benefit if the insured committed suicide within one year from the cover start date.
If the insured commits suicide within one year from the cover start date, we will pay the policy value less any bonus at the time we are told about the claim.
During the term of this policy, if the insured becomes terminally ill, we will pay the benefit shown below:
| Time the insured event happens | Benefit |
| Within one year from the cover start date | The policy value less any bonus at the time we are told about the claim |
| After one year from the cover start date | - 101% of net premium(s) paid; or - the policy value at the time we are told about the claim; whichever is higher |
Any applicable fees and charges which apply to the policy will be deducted. 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.
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.
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.
The secondary insured becomes the insured of the policy only upon death of the insured for the remaining policy term. This policy can only have one insured at any point of time.
The secondary insured must be yourself (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.
During the minimum investment period, you may choose to exercise a free partial withdrawal if the insured experiences any of the following life events:
- Turning 21 or 65;
- Enrolled into tertiary education;
- Marriage;
- Divorce;
- Death of a spouse;
- Becoming a parent;
- Purchase of a residential property; or
- Stay in hospital.
You must meet all the following conditions to exercise the free partial withdrawal:
- You must exercise it within three months after the date any of the life event above occurs;
- The life event must have taken place no earlier than 36 months after the cover start date of this policy; and
- At our request, you must provide to our satisfaction, documentary proof of the life event.
When you exercise the free partial withdrawal:
- You may withdraw no more than 10% of the prevailing policy value and there will be no partial withdrawal charge for the amount withdrawn. The policy value of this policy will be reduced according to your request for withdrawal; and
- Any Loyalty Bonus payable will not be affected by the withdrawal under this benefit.
You can exercise this benefit once for each life event and no more than three times in total during this policy term.
If you pay more regular premiums than are needed, we will treat them (without any interest) as regular premiums paid in advance for future months. The future premiums will be used to buy units in the funds chosen.
We will not accept any future premiums that are more than 24 months ahead of its due date and it will not be used to buy units.
We may change the way we treat these premiums by giving you notice.
Minimum investment period (MIP) refers to the period you have chosen during which certain charges may apply.
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 Invest Flex Vantage:
| List of available rider(s) |
| Payor Premium Waiver |
| Enhanced Payor Premium Waiver |
| Dread Disease Premium Waiver |
| Cancer Premium Waiver (GIO) |
We will provide an investment bonus based on a percentage of the regular premiums paid for the first 12 months of the policy term as shown below. This percentage varies based on the MIP and annualised regular premiums.
No investment bonus is provided for any top-up premiums.
The investment bonus will be used to buy additional units in the funds chosen.
| MIP | ||||||
| 5 years | 10 years | 15 years | 20 years | |||
| Min $9,600 | Min $6,000 | Min $9,600 | Min $3,600 | Min $9,600 | Min $2,400 | Min $9,600 |
| 4.0% | 5.0% | 20.0% | 10.0% | 40.0% | 25.0% | 55.0% |
Starting from the 10th policy anniversary, an annual loyalty bonus based on the table below 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 chosen.
| MIP | Loyalty Bonus from 10th policy anniversary or the end of MIP, whichever is later |
| 5 years | 0.5% |
| 10 years | 0.5% |
| 15 years | 0.5% |
| 20 years | 0.5% |
The policy must meet all the following conditions to receive the loyalty bonus.
- This policy must not have ended when the loyalty bonus is provided.
- No withdrawal is made, except withdrawals under life events withdrawal benefit, for the past 12 months before the date for the loyalty bonus payment.
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:
| Minimum premium | ||||
| MIP/Payment Frequency | 5 Years | 10 Years | 15 Years | 20 Years |
| Yearly | $9,600 | $6,000 | $3,600 | $2,400 |
| Half-Yearly | $4,800 | $3,000 | $1,800 | $1,200 |
| Quarterly | $2,400 | $1,500 | $900 | $600 |
| Monthly | $800 | $500 | $300 | $200 |
| 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.
A partial withdrawal charge/surrender charge is applicable if you withdraw/surrender your top-ups during the minimum investment period.
You may reduce the amount of your regular premium only from the 5th policy anniversary and we will make this change when your next regular premium is due. We may set a minimum amount if you change your regular premium.
You will have to pay a surrender charge if you reduce your regular premium during the MIP. You cannot change your regular premium when your policy is on premium holiday.
No, you cannot backdate your 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. We will buy and pay for you the units in excess of 100% of your premiums as shown below.
| MIP | Monthly regular premium (or its equivalent for other payment frequency) | Percentage of regular premium to buy units |
| 5 years | 1st – 120th | 100% |
| 121st – 240th | 102% | |
| 241st onwards | 105% | |
| 10 years | 1st – 120th | 100% |
| 121st – 240th | 102% | |
| 241st onwards | 105% | |
| 15 years | 1st – 120th | 100% |
| 121st – 240th | 102% | |
| 241st onwards | 105% | |
| 20 years | 1st – 120th | 100% |
| 121st – 240th | 102% | |
| 241st 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%.
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 able to cover the fees and charges that continue to be due on the policy. Fees and charges are still applicable when your policy is on premium holiday.
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 the policy. The premium holiday charge may be payable during the premium holiday if it is within the MIP. The premium paying rider(s), if any, will end if this policy is on premium holiday.
From the 5th policy anniversary, the premium holiday can be taken without any premium holiday charge up to the period according to the MIP shown below. After which, we will apply the premium holiday charge if your policy continues to be on premium holiday during the MIP.
| MIP | Premium holiday period without premium holiday charge |
| 5 years | 0 months |
| 10 years | 60 months |
| 15 years | 60 months |
| 20 years | 120 months |
If applicable, we will take this premium holiday charge from your policy value by cancelling units at the bid price. You cannot make any top-ups during the premium holiday.
Yes, your insurance coverage will be provided during premium holiday.
Any premium holiday will end once you start paying your regular premiums again. When you start paying your regular premiums again after any premium holiday, we may not accept regular premiums for the period of the premium holiday that you have taken.
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. There is no limit to the amount of partial withdrawals you may make.
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 the table below. You must pay this fee on a monthly basis.
| Policy Year | Policy Fee |
| From Year 1 to 10 | Annual rate of 2.5% of policy value |
| From Year 11 onwards | Annual rate of 0.5% 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.
From the 3rd policy anniversary, there is an insurance cover charge that must be paid monthly. This charge is based on the insured’s age, gender and the sum at risk at the time this charge is due. It will be taken from the policy value of the 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 currently do not charge premium charge. However, we may change this at any time by giving you notice.
There will be a surrender charge deducted from the policy value if you do the following during the MIP:
- full surrender of the policy (including top-ups); or
- decrease the regular premium.
If the policy cash-in value after surrender charge is zero or less, there will be no benefit payout and the policy will end.
There will be a partial withdrawal charge deducted for each partial withdrawal of the units in your fund(s) made during the MIP. The partial withdrawal charge will be deducted before the partial withdrawal amount is paid. Partial withdrawal charge is not applicable for the amount withdrawn under the life events withdrawal benefit.
After a partial withdrawal is made, the 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.
There will be a 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;
during the minimum investment period.
From the 5th policy anniversary, the premium holiday can be taken without any premium holiday charge up to the period according to the MIP you have selected. After which, we will apply the premium holiday charge if your policy continues to be on premium holiday during the MIP.
Premium holiday charge does not apply if the policy enters into a premium holiday after the minimum investment period.
You can refer to this webpage for more information.
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. Units reinvested is managed as part of your unit holdings in the policy. To avoid doubt, for any withdrawals including funds that declare distribution, fees and charges may apply.
If the distribution amount for a fund meets the minimum amount we tell you, you can choose to reinvest the distribution or receive the distribution as a payout for each fund. A combination of payout and reinvestment within a fund is not allowed.
The latest instruction, if any, received by Income before the Declaration Date will be used to manage your distribution.
The default option for distribution is to reinvest them at bid price into the respective fund.
If you wish to receive your distribution as a payout, you will need to notify us through your preferred mode of contact least 30 days before the Declaration Date. We will ask you to complete and submit the “Alteration form for ILP Policy”.
However, any distribution below the minimum distribution amount we tell you has to be reinvested and receiving it as a payout is not allowed.
The unit prices for reinvestment will be determined on payout date.
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.
No, you cannot take a loan from this policy.
Understand the details
^Minimum Investment Period (MIP) refers to the period you have chosen during which certain charges may apply. The MIP cannot be changed.
[1] Dividend refers to the distribution of certain funds that have a distribution option that we may declare. The policyholder will be entitled to receive these distributions if the policy has not ended and has units in these funds on the declaration date of the distribution. The distribution amount will depend on the number of units the policyholder holds in these funds on the date we declare the distribution. The frequency and/or amount of distributions (if at all) may be varied at our absolute discretion. Distributions are not guaranteed. We may or may not pay a distribution every year. If the distribution amount for a fund meets the minimum amount we tell the policyholder, the policyholder can choose to receive all future distributions from that fund as payouts.
Distributions may be made out of the income and/or capital of the sub-fund. Any payout of distributions from the capital of the sub-fund may result in an immediate reduction of the net asset value per share/unit. Please refer to the policy conditions for further details on the declaration of distributions, reinvesting distributions, and the applicable terms and conditions.
[2] During the MIP, the policyholder may choose to exercise a free partial withdrawal if the insured experiences a life event, 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] The policy will enter into a premium holiday provided the policy value is able to cover the fees and charges that continue to be due on the policy. The premium holiday charge may be payable during the premium holiday if it is within the MIP. From the 5th policy anniversary, the policyholder can take a premium holiday without any premium holiday charge up to the specified period, according to the MIP selected. Please refer to the policy conditions for further details.
[4] From the 10th policy anniversary, or the end of the MIP, whichever is later, we will provide an annual loyalty bonus of 0.5% of the policy value based on the anniversary. The loyalty bonus will be provided on the next working day from the anniversary, and will be used to invest in the funds the policyholder has chosen. The policy must meet all the following conditions to receive the loyalty bonus:
a) The policy must not have ended when the loyalty bonus is provided.
b) The policyholder did not make any withdrawal, except withdrawal under the life events withdrawal benefit, for the past 12 months before the date for the loyalty bonus payment.
Please refer to the policy conditions for further details.
[5] The secondary insured must be yourself (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) at the time you exercise this option. The policyholder can exercise this option to appoint a secondary insured no more than three times. Terms apply for the benefit. Please refer to the policy conditions for further details.
[6] If the insured becomes terminally ill or dies within one year from the cover start date, we will pay the policy value less any bonus at the time we were told about the claim. If the insured becomes terminally ill or dies after one year from the cover start date, we will pay 101% of the net premium(s) paid or the policy value at the time we were told about the claim, whichever is higher. We will take off any fees and charges that apply to your policy. The policy will end when we make this payment. If the policyholder has 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.
[7] We may set a minimum amount for each top-up. We will use 100% of the top-ups to buy units (at the bid price) in the funds the policyholder chooses. When we work out any claim benefit, we will not consider any top-ups made after we are told about the claim. Top-ups do not form part of the regular premiums. The policyholder cannot make any top-ups when the policy is on a premium holiday.
[8] The policyholder may switch between funds at any time. If the policyholder is not switching out of a fund completely, we may tell the policyholder to leave a minimum amount in that fund. We reserve the right to charge the policyholder a small amount and set a minimum amount for each switch. We may also limit the number of switches the policyholder can carry out. Please refer to the policy conditions for further details.
[9] 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 Invest Flex Vantage 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.
[10]We will not pay this benefit if the insured was diagnosed with the disease within 90 days from the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest) for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease.
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 person.
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, 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 websites (gia.org.sg or lia.org.sg or sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Protected by copyright and owned by Income Insurance Limited.
Information is correct as at 19 January 2026
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