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The information and descriptions on this website 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 persons. Do note that not all our plans are included on this website. The precise terms, conditions and exclusions of these plans are specified in their respective policy contract. 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, if applicable, may be zero or less than the premiums you have paid for the plan.
These policies are 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.
ft1 Capital guarantee on Gro Saver Flex excludes any optional rider(s), on the condition all premiums are paid, and that the policy is held until maturity date with no policy alterations or claims made during the entire policy term.
ft2 For regular premium policy, Gro Retire Flex includes Gro Retire Flex – Protection Benefit, a non-participating rider, which includes the Accidental Death Benefit, Disability Care Benefit and Retrenchment Benefit. Please refer to the policy contract for further details.
ft3 If the insured dies as a result of an accident (before the anniversary immediately after the insured reaches the age of 70), we will pay an additional 105% of all net premium(s) paid, on top of the death benefit, as long as the insured was not taking part in a restricted activity at the time of the accident. If the insured was taking part in a restricted activity at the time of the accident, we will only pay an additional 63% of all net premium(s) paid, on top of the death benefit. We will pay this benefit only if the death happens within 365 days of the accident. Please refer to the policy contract for further details.
If you have appointed a secondary insured before the insured dies as a result of an accident (before the anniversary immediately after insured reaches the age of 70), we will not pay this benefit. Upon the accidental death of the insured, the secondary insured becomes the insured and the basic policy and its rider, Gro Retire Flex – Protection Benefit, will continue.
ft4 Disability Care Benefit will apply upon diagnosis of the insured with any one of the conditions – loss of use of one limb, loss of speech, loss of sight of one eye and loss of hearing, arising from accidental injury or sickness during the term of the Gro Retire Flex – Protection Benefit rider. The benefit will be paid according to the date of diagnosis. There are certain conditions under which no benefits will be payable. Please refer to the policy contract for the definition of each condition and the circumstances in which a claim can be made.
ft5 You can claim for more than one insured event from female illnesses benefit, female surgeries benefit and support benefit, up to the cover limit as set out in the benefit table, provided it is not for the same illness, surgery or cause (except for cancer). If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for that benefit will reduce accordingly. This policy will end when the total claims paid for the insured events under female illnesses benefit amounts to 100% of sum assured, female surgeries benefit amounts to 50% of sum assured and support benefit amounts to 100% of sum assured; or the death benefit is paid, whichever is earlier. Please refer to the policy contract for further details and definitions of the insured events.
ft6 Guaranteed renewal is applicable only if there is no claim on your policy during the contract term and the insured is age 79 (last birthday) and below. We will renew your policy for the same sum assured and contract term. However, if the insured’s 84th birthday falls within the next contract term, we will only renew it for a shorter term (in multiples of 5 years) such that the renewal term will not exceed the insured’s 84th birthday. The renewal premium will be determined by Income.
ft7 This Letter of Guarantee is only applicable if your domestic helper is hospitalised at a Singapore government restructured hospital, and is capped at a maximum limit of $10,000 per admission. Subject to individual hospital guidelines. Other terms and conditions apply.
Information is correct as of 4 January 2022.