Wealth Plus Solitaire

Receive lifetime monthly cash payouts and insurance coverage with just a single premium.

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Here’s what you get with Wealth Plus Solitaire.

Lifetime monthly cash payouts[1] starting from the end of the 4^th policy year till age 120.
Get protected[2] against death and terminal illness.
Leave a legacy for your loved ones with a secondary insured[3].
Receive a maturity benefit[4] of 120% of the net single premium and a non-guaranteed terminal bonus, at the point of policy maturity when the original insured[5] reaches 120 years old.
Guaranteed acceptance regardless of your health condition.

This is how Wealth Plus Solitaire grows your wealth.

The monthly cash payouts[1] you receive can add up to 3.75% of your net single premium over a year (of which 0.864% is guaranteed and 2.886% is non-guaranteed).
Choose to spend these cash payouts as you wish or accumulate them with us at an interest rate of up to 3.00% p.a.[6].
Enjoy bonuses[7] based on the performance of the Life Participating Fund.

Let us walk you through Wealth Plus Solitaire.

How Wealth Plus Solitaire gives you a lifetime of passive income
50 years old

Mr Wong signs up for Wealth Plus Solitaire policy with a single premium of $2 million. The policy provides him with coverage¹ for death and terminal illness.

54 years old

From the end of the 4^th policy year, Mr Wong starts receiving monthly cash payouts² of $6,250³. The monthly cash payouts² provide a monthly income stream for his lifestyle expenses, such as luxury vacations and watches.

85 years old

Mr Wong passes away at age 85 with no secondary insured⁴ appointed. His family will receive the death benefit of $2,160,000^1,3. The policy ends thereafter.

The total illustrated monthly cash payouts² from age 54 to 85 is $2,325,000³.

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

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

Should the long-term average return be 3.00% p.a., the total illustrated monthly cash payout² would be $3,840⁵, the total illustrated monthly cash payouts² from age 54 to 85 would be $1,428,480⁵ and the death benefit would be $2,120,000^1,5 when Mr Wong passes away at age 85 with no secondary insured⁴ appointed.

^1.The policy pays out 105% of the net single premium and a non-guaranteed terminal bonus in the event of the insured’s death or diagnosis of terminal illness. We will also pay any cash benefits and cash bonuses which have built up (accumulated). If a secondary insured has been appointed before the insured dies, the death or terminal illness benefit will not be paid out. Upon the death of the insured, the secondary insured becomes the insured and the policy will continue.

^2.If the insured survives at the end of 4 years from the policy entry date, you will start to receive cash payouts starting from the 49^th policy month after the policy entry date. The monthly cash payout consists of the guaranteed monthly cash benefit and the non-guaranteed monthly cash bonus. The guaranteed monthly cash benefit is 0.072% of the net single premium, while your non-guaranteed monthly cash bonus is up to 0.2405% of your net single premium (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). Over 12 months, you would receive 0.864% of the net single premium as guaranteed cash benefit and up to 2.886% of the net single premium as a non-guaranteed cash bonus. 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 0.12% of the net single premium. You will continue to receive your monthly cash payout at subsequent policy months if 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.

^3.The 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.

^4.Only yourself (policyholder 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) can be the secondary insured at the time of exercising 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.

The secondary insured becomes the insured of this policy only upon death of the insured for the remaining policy term. The policy can only have one insured at any point of time.

^5.The 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 is not guaranteed. Prevailing interest rate at the point of deposit will be determined by us.
How Wealth Plus Solitaire helps you with legacy planning
Mr Ng: 40 years old

Mr Ng signs up for Wealth Plus Solitaire with a single premium of $1 million. He appoints his 5-year-old son, Nicholas, as the secondary insured¹. The policy provides coverage² for death and terminal illness for the insured.

Mr Ng: 44 years old

From the end of the 4^th policy year, Mr Ng chooses to receive the monthly cash payouts³ of $3,125⁴ to support his family's lifestyle.

Mr Ng: 70 years old
Nicholas: 35 years old

When Nicholas is age 35, Mr Ng passes away at age 70. The policy continues with Nicholas as the insured¹. The monthly cash payouts³ will continue to be paid.

Nicholas: 85 years old

Nicholas survives to the end of the policy term at age 85. The illustrated maturity benefit⁵ is $1,520,000⁴ and the total illustrated monthly cash payouts³ paid during the policy term is $2,850,000⁴. The policy ends thereafter.

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

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

Should the long-term average return be 3.00% p.a., the total illustrated monthly cash payout³ would be $1,920⁶, the illustrated maturity benefit⁵ is $1,360,000⁶ and the total illustrated monthly cash payouts³ paid during the policy term is $1,751,040⁶.

^1. Only yourself (policyholder 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) can be the secondary insured at the time of exercising 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.

The secondary insured becomes the insured of this policy only upon death of the insured for the remaining policy term. The policy can only have one insured at any point of time.

^2. The policy pays out 105% of the net single premium and a non-guaranteed terminal bonus in the event of the insured’s death or diagnosis of terminal illness. We will also pay any cash benefits and cash bonuses which have built up (accumulated). If a secondary insured has been appointed before the insured dies, the death or terminal illness benefit will not be paid out. Upon the death of the insured, the secondary insured becomes the insured and the policy will continue.

^3. If the insured survives at the end of 4 years from the policy entry date, you will start to receive cash payouts starting from the 49^th policy month after the policy entry date. The monthly cash payout consists of the guaranteed monthly cash benefit and the non-guaranteed monthly cash bonus. The guaranteed monthly cash benefit is 0.072% of the net single premium, while your non-guaranteed monthly cash bonus is up to 0.2405% of your net single premium (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). Over 12 months, you would receive 0.864% of the net single premium as guaranteed cash benefit and up to 2.886% of the net single premium as non-guaranteed cash bonus. 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 0.12% of the net single premium. You will continue to receive your monthly cash payout at subsequent policy months if 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.

^4. The 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.

^5. If the insured survives at the end of the policy term, which is the anniversary immediately after the original insured’s 120th birthday, and the policy has not already ended, the policy will pay 120% of the net single premium and a non-guaranteed terminal bonus (“Maturity benefit”). We will also pay any cash benefits and cash bonuses which have built up (accumulated). The policy will end when we make this payment. We will not pay any further benefits.

^6. The 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 is not guaranteed. The prevailing interest rate at the point of deposit will be determined by us.

Important notes

Footnotes

If the insured survives at the end of 4 years from the policy entry date, you will start to receive cash payouts starting from the 49th policy month after the policy entry date. The monthly cash payout consists of the guaranteed monthly cash benefit and the non-guaranteed monthly cash bonus. The guaranteed monthly cash benefit is 0.072% of the net single premium, while your non-guaranteed monthly cash bonus is up to 0.2405% of your net single premium (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). Over 12 months, you would receive 0.864% of the net single premium as guaranteed cash benefit and up to 2.886% of the net single premium as non-guaranteed cash bonus. 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 0.12% of the net single premium. You will continue to receive your monthly cash payout at subsequent policy months if 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.
The policy pays out 105% of the net single premium and a non-guaranteed terminal bonus in the event of the insured’s death or diagnosis of terminal illness. We will also pay any cash benefits and cash bonuses which have built up (accumulated). If a secondary insured has been appointed before the insured dies, the death or terminal illness benefit will not be paid out. Upon the death of the insured, the secondary insured becomes the insured and the policy will continue.
Only yourself (policyholder 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) can be the secondary insured at the time of exercising 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.
The secondary insured becomes the insured of this policy only upon death of the insured for the remaining policy term. The policy can only have one insured at any point of time.
If the insured survives at the end of the policy term, which is the anniversary immediately after the original insured’s 120th birthday, and the policy has not already ended, the policy will pay 120% of the net single premium and a non-guaranteed terminal bonus (“Maturity benefit”). We will also pay any cash benefits and cash bonuses which have built up (accumulated). The policy will end when we make this payment. We will not pay any further benefits.
The original insured means the insured that was appointed when the policy was issued.
Interest rate of 3.00% per annum is not guaranteed. Prevailing interest rate at the point of deposit will be determined by us.
Bonus rates are not guaranteed and will vary according to the future performance of the Life Participating Fund.

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 and conditions 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 26 October 2023.

Your policy toolkit.

Eligibility and payment frequency

Entry age	Minimum	Maximum
Insured	0	75
Policyholder	16^	N.A.

^ Parents cannot take up policies on the lives of their children who are 18 years old (age last birthday) and above.

You need to make a one-time single premium payment with a minimum amount of $100,000. The maximum single premium is subject to underwriting.

Brochures

Printed brochure (English)

Printed brochure (Chinese)

Policy conditions

Ways to pay for Wealth Plus Solitaire.

Find out how you can make payment for your policy by choosing from the preferred methods below. For other accepted payment modes, you may get in touch with us through your preferred mode of contact at www.income.com.sg/contact-us.

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	Minimum	Maximum
Insured	0	75
Policyholder	16*	N.A.

Wealth Plus Solitaire

Here’s what you get with Wealth Plus Solitaire.

This is how Wealth Plus Solitaire grows your wealth.

Let us walk you through Wealth Plus Solitaire.

How Wealth Plus Solitaire gives you a lifetime of passive income

50 years old

54 years old

85 years old

How Wealth Plus Solitaire helps you with legacy planning

Mr Ng: 40 years old

Mr Ng: 44 years old

Mr Ng: 70 years oldNicholas: 35 years old

Nicholas: 85 years old