Wealth Plus Solitaire II

[1] If the insured survives at the end of 3 years from the policy entry date, we will pay out the monthly cash payout from the start of the 37^th month from the policy entry date. The monthly cash payout consists of the guaranteed monthly cash benefit and the non-guaranteed monthly cash bonus.
From the start of the 37^th policy month to the 48^th policy month, the guaranteed monthly cash benefit is 0.0710% of the net single premium and the non-guaranteed monthly cash bonus is up to 0.0165% of the net single premium. Over 12 months, you would receive 0.852% of the net single premium as guaranteed cash benefit and up to 0.198% of the net single premium as non-guaranteed cash bonus. From the start of the 49^th policy month, the guaranteed monthly cash benefit is 0.0710% of the net single premium and the non-guaranteed monthly cash bonus is up to 0.2375% of the net single premium. Over 12 months, you would receive 0.852% of the net single premium as guaranteed cash benefit and up to 2.850% of the net single premium as non-guaranteed cash bonus (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). The non-guaranteed monthly cash bonus 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 monthly cash bonus will be up to 0.0082% of the net single premium from the start of the 37^th policy month to the 48^th policy month, and up to 0.1187% of the net single premium from the start of the 49^th policy month.
We will pay the monthly cash payout as long as the insured is still alive and the policy has not ended.
Net single premium means the single premium amount as shown in the policy schedule, or the reduced single premium amount if a part of the policy has been cashed in earlier.

[2] From the policy entry date until the end of 9^th policy year, the guaranteed cash value is equal to 80% of the net single premium. From the end of 9^th policy year up to and including the end of 10^th policy year, the guaranteed cash value shall increase monthly, as determined by us, to 100% of the net single premium. From the end of 10^th policy year, the guaranteed cash value is equal to 100% of the net single premium and shall remain at that level for the remainder of the policy term. If you choose to cash in this policy partially, the net single premium after the partial cash in cannot be less than S$100,000 or any other amount we may tell you about. We may review and revise the way we work out the cash value.

[3] The secondary insured must be yourself (before the age of 75 years old), your spouse (before the age of 75 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. Other terms and conditions apply for the benefit. Please refer to the policy conditions for further details.

[4] The original insured means the insured that was appointed when we issued this policy.

[5] During the term of the policy, if the insured becomes terminally ill or dies, we will pay 101% of the net single premium and a terminal bonus. We will also pay any cash benefits and cash bonuses which have built up. The policy will end when we make this payment. We will not pay any further benefits. 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.

[6] You may request to change the insured after 2 years from the policy entry date. The change to a new insured may be requested before the death of the insured provided the conditions listed in the policy conditions are met. You must have an insurable interest on the new insured at the effective date of change. The new insured must be before the age of 75 years old at the point of exercising this option. Other terms and conditions apply for the benefit. Please refer to the policy conditions for further details.

[7] If the insured survives at the end of the policy term, which is to the anniversary immediately after the original insured’s 120^th birthday, and the policy has not already ended, we will pay 101% of the net single premium and a terminal bonus. We will also pay any cash benefits and cash bonuses which have built up. The policy will end when we make this payment.

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

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy conditions for the precise terms, conditions and exclusions of the plan. The policy conditions will be issued when your application is accepted.

This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this policy at income.com.sg/policy-conditions/wealth-plus-solitaire-ii.pdf. 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.

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 23 June 2026 (SGT).