Your wealth-building journey can start today with Invest Wealth Vantage
Begin your investment journey and pursue your financial goals with the flexibility to navigate changing market conditions.
Invest from as low as $10,000[2] with Invest Wealth Vantage, a single premium investment-linked plan that lets you receive an income stream generated from the 1st policy year with dividend-paying funds[1] to support your retirement lifestyle.
Here’s what you get with Invest Wealth Vantage
Explore a wide range of funds and have the option to receive an income stream generated from the 1st policy year with dividend-paying funds[1].
With no policy fee[3] and a low premium charge of 3%[2], more of your money is invested in your chosen funds.
Boost your investments through lump sum top-ups[4] and have the control of making withdrawals[5] or switching between available funds anytime at no charge[6].
Here are other benefits you can get
Invest your way with cash or SRS funds.
You can relax knowing that investment professionals continuously monitor each fund and take care of your investment.
Receive a death benefit[7] of 101% of the policy value at the time of claim.
In the unfortunate event of an accidental death[8] during the first three policy years, your loved ones will receive a payout of 105% of all net premium(s)[9] paid or 101% of the policy value at the time of claim, whichever is higher.
Enjoy a hassle-free application with no need for any medical check-up, which means you can start building your wealth with just a simple step.
Your policy toolkit
Eligibility and payment frequency
Entry Age (Age Last Birthday)
| Minimum | Maximum | |
| Insured | 0 | 80 |
| Policyholder | 18 | N.A. |
You need to make a one-time single premium payment.
Brochures
Policy conditions
Frequently Asked Questions (FAQs) about Invest Wealth Vantage
Invest Wealth Vantage is a single-premium whole life investment-linked plan^ that provides protection and investment opportunities. Through this plan, you can invest in one or a number of investment funds. The plan provides coverage against death and accidental death.
^An investment-linked plan has both a life insurance and an investment component. Your premiums are used to pay for units in one or more investment funds of your choice. The value of these units depends on their price, which in turn depends on the investment fund’s performance.
During the term of this policy, if the insured dies, we will pay 101% of the policy value at the time we are told of the claim.
We will take off any fees and charges which apply to your policy.
If you make any transactions (including top-ups and withdrawals) after the claim event date, we reserve the right to adjust the amount payable for the claim accordingly.
Your policy will end when we make this payment. We will not pay any further benefits.
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 and this policy will end.
We will pay either the Death Benefit or the Accidental Death Benefit only, whichever is higher.
If the insured dies due to an accident during the first three policy years of the policy, we will pay:
- 105% of all net premium(s) paid; or
- 101% of the policy value;
at the time we are told of the claim, whichever is higher.
We will pay this benefit only if the death happens within 365 days of the accident. Otherwise, we will pay only the Death Benefit.
We will take off any fees and charges which apply to your policy.
If you make any transactions (including top-ups and withdrawals) after the claim event date, we reserve the right to adjust the amount payable for the claim accordingly.
Your policy will end when we make this payment. We will not pay any further benefits.
Accident and accidental mean an unexpected incident that results in an injury or death. The injury or death must be caused entirely by being hit by an external object that produces a bruise or wound, except for injury or death caused specifically by drowning, food poisoning, choking on food, or suffocation by smoke, fumes or gas.
We will not pay the accidental death benefit if accidental death is caused directly or indirectly by:
- deliberate acts such as self-inflicted injuries, suicide or attempted suicide;
- unlawful acts, provoked assault or deliberate exposure to danger;
- the effects of alcohol, drugs or any dependence;
- illnesses, psychological conditions or eating disorders;
- heat stroke;
- a bad reaction to drugs or medication;
- the effects of viruses (for example, dengue), bacteria or diseases;
- the negative effects or complications of medical and surgical care;
- treatments aimed at improving appearance, such as cosmetic surgery or any treatment relating to a previous cosmetic treatment;
- radiation or contamination from radioactivity;
- being in any aircraft, except as a fare-paying passenger in a commercial aircraft, or during military operations in peacetime;
- military, air force or naval operations, except when carried out in peacetime;
- warlike operations (whether war is declared or not), war, invasion, riot or any similar event;
- an accident which happens outside of Singapore, if the insured has been outside Singapore for more than 180 days in a row at the time of the accident; or
- an act of terrorism.
No, you cannot add riders to this plan.
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). If it is not a business day (for example, it is a Saturday, Sunday or public holiday), we will deal with your instructions on the following business day.
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 or Supplementary Retirement Scheme (SRS) to buy this plan.
The minimum single premium investment per policy is S$10,000, with a minimum of S$2,500 allocated to each selected fund.
There is no maximum limit set for investment, but it will be subjected to an assessment of your financial condition.
You can increase your investment by adding premium payments called ‘top-ups’ at any time before the insured turns 81.
We may set a minimum amount for each top-up.
If you are doing a recurring single premium top-up, you can have a choice of topping up monthly, quarterly, half-yearly or yearly.
We will use 100% of your top-ups less any premium charge to buy units (at the bid price) in the funds you choose.
Yes, you can use SRS to buy this plan subject to prevailing SRS terms and conditions.
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.
The following guideline applies:
- 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 SRS policy, all transactions 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.
Yes, you can make partial withdrawals from your funds via My Income customer portal subject to the following terms:
- Each withdrawal requires a minimum value of units worth S$500; and
- You must also leave a minimum value of units worth:
- S$1,750 if you have one fund; or
- S$3,500 if you have more than one fund;
under your policy.
We may change these minimum amounts at any time by giving you notice.
If the policy value falls below the required minimum policy value after you have cashed in your units partly, we may cash in your remaining units and this policy will end.
The formula for computation is as follows:
Withdrawal value = Number of units withdrawn from selected fund × Bid price of the selected fund
Yes, your insurance coverage will be reduced.
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).
This 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 Product Highlights Sheet and Fund Summary of each fund. We may change this at any time by giving you notice.
We do not charge any policy fee. However, we may change this at any time by giving you notice.
We do not charge for insurance cover. However, we may change this at any time by giving you notice.
We will deduct a premium charge of 3% from both the initial single premium and for each top-up.
We may change the premium charge at any time by giving you notice.
We do not charge any fund switching fee. However, we may change this at any time by giving you notice.
No, you cannot take a loan from this policy.
You can refer to our website here 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.
However, if the distribution amount for a fund is at least S$50, you can choose to receive all future distributions from that fund as payouts instead, by telling us in writing at least 30 days before the next declaration date. This applies as long as the fund is not bought under any of these schemes.
- Central Provident Fund Investment Scheme (CPFIS)
- Supplementary Retirement Scheme (SRS)
We will then follow this same choice for the later distributions of that fund, unless you tell us your new choice at least 30 days before the next declaration date.
These payouts from distributions does not reduce the net premium(s) paid.
There is no restriction on the number of funds if you are able to meet the minimum investment amount of S$2,500 set for each selected fund.
The investment amount to buy units in the funds you have chosen must not be lower than $1,000 for each top-up. You may submit your request via My Income customer portal.
Yes, you can switch funds via My Income customer portal subject to the following terms:
- We may tell you to leave a minimum amount in that fund if you are not switching out of a fund completely; and
- 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.
Understand the details
[1] Dividend refers to the distribution for certain funds which 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] We will deduct a premium charge of 3% from both the initial single premium and for each top-up. We may change the premium charge at any time by giving the policyholder notice.
[3] We do not charge any policy fee. However, we may change this at any time by giving the policyholder notice.
[4] The policyholder can add premium payments called ‘top-ups’ at any time before the insured turns 81 years old. We may set a minimum amount for each top-up.
[5] Each withdrawal requires a minimum value of units worth S$500. The policyholder must also leave a minimum value of units worth:
- S$1,750 if the policyholder has one fund; or
- S$3,500 if the policyholder has more than one fund;
under the policy.
We may change these minimum amounts at any time by giving the policyholder notice. The policy will end after the policyholder cashes in the units fully. If the policy value falls below the required minimum policy value after the policyholder has cashed in the units partly, we may cash in the remaining units and the policy will end.
[6] We do not charge any fund switching fee. However, we may change this at any time by giving the policyholder notice. The policyholder can 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 may 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 on fund switching.
[7] During the term of the policy, if the insured dies, we will pay 101% of the policy value at the time we are told of the claim. We will take off any fees and charges which apply to the policy. If the policyholder makes any transactions (including top-ups and withdrawals) after the claim event date, we reserve the right to adjust the amount payable for the claim accordingly. The policy will end when we make this payment. We will not pay any further benefits.
[8] We will pay either the Death Benefit or the Accidental Death Benefit only, whichever is higher. If the insured dies due to an accident during the first three policy years of the policy, we will pay:
- 105% of all net premium(s) paid; or
- 101% of the policy value;
at the time we are told of the claim, whichever is higher.
We will pay this benefit only if the death happens within 365 days of the accident. Otherwise, we will pay only the Death Benefit. We will take off any fees and charges which apply to the policy. If the policyholder makes any transactions (including top-ups and withdrawals) after the claim event date, we reserve the right to adjust the amount payable for the claim accordingly. The policy will end when we make this payment. We will not pay any further benefits.
[9] Net premium(s) means the initial single premium paid, and the total of all top-ups made, less total withdrawals made under the policy.
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 and 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 or product(s). It does not constitute any financial advice and 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. 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 can be obtained from your insurance advisor, while the fund summary and product highlights sheet(s) 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, fund summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund.
You can find the usual terms, conditions and exclusions of this policy at income.com.sg/policy-conditions/invest-wealth-vantage. 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 product is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a product 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 policy is a long-term commitment on your part. If you cancel your policy prematurely, the cash value you receive may be zero or less than the premiums you have paid for the policy. The premiums for this plan include distribution costs, if any. You can refer to the product summary, fund summary and product highlights sheet(s) for the fees and charges that are payable.
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 13 October 2026 (SGT).
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