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Benefits & Privileges

Yearly Cash Benefits Maturity Benefit Capital Guaranteed
Yearly Cash Benefits
Maturity Benefit
Capital Guaranteed


Schedule a consultation with a Personal Banker remotely from the comfort of wherever you are, via Web Conferencing!  


Underwritten By NTUC Income

NTUC Income's network of advisers and partners provide life, health and general insurance to serve the protection, saving and investment needs of two million customers across all segments of society.

Terms & Conditions

If the insured survives at the end of five years from the policy entry date and premiums have been paid for at least 5 policy years, you will start to receive cash payouts starting five years from the policy entry date. The cash payout consists of a guaranteed yearly cash benefit, which is 2.1% of your sum assured, and a non-guaranteed cash bonus, which is up to 2% of your sum assured (based on assumption that the Life Participating Fund earns a long term average return of 4.75% per annum). The non-guaranteed yearly 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 3.25% per annum, the non-guaranteed cash bonus will be up to 0.85% of the sum assured. You will continue to receive your cash payouts at subsequent policy years till age 100 if the insured is still alive and the policy has not ended.


If the insured survives at the end of the policy term, which is the anniversary immediately after the insured’s 100th birthday, and the policy has not already ended, the policy will pay 120% of all net premiums paid and a non-guaranteed terminal bonus (“centennial maturity benefit”). NTUC Income will also pay any cash benefits and cash bonuses which have built up (accumulated). The policy will end when we make this payment. NTUC Income will not pay any further benefits.


Important Notes & Disclaimer

This information is intended for general circulation and does not take into account the specific investment objectives, financial situation or needs of any particular reason. Advice should be sought from a financial adviser regarding the suitability of the investment product, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the investment product. Any misstatement or non-disclosure of material facts may affect the validity of the policy. In the event that the person chooses not to seek advice from a financial adviser, he/she should consider whether the product in question is suitable for him/her.


This information is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.


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 the insurer or visit the GIA/LIA or SDIC website (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).


This product is underwritten by NTUC Income and distributed by CIMB Bank.


This advertisement has not been reviewed by the Monetary Authority of Singapore.


Information is correct as at 22 April 2019.