Savings vs. Investment-linked
What’s the difference?

Participating Savings Plans

  • cash-moneyPremiums go into a participating fund and all participating policyholders share the investment return of the fund
  • payoutInsurer may declare guaranteed bonus and non-guaranteed bonus that will be added to your policy
  • lump-sumUsually has a guaranteed cash value
  • Unable to vary amount of insurance coverage without revision in premium rates
  • Unable to top up investment

Investment-linked Plans (ILP)

  • cash-moneyPolicyholder chooses which ILP sub-fund to invest in and bears the ILP investment risk
  • payoutNo guaranteed bonuses and returns are dependent on the ILP sub-fund you invest in
  • No minimum guaranteed cash value
  • Flexibility to vary insurance coverage for regular premium plans based on changes in financial needs without revision in premium rates
  • Flexibility to top up investment on ad-hoc or regular basis and switch funds

Find the right plan.

My plan shouldv have
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Savings plans

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Capital Plus

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Endowment Plan 26/4

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Gro Cash Harvest

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RevoEase test 13/5

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RevoRetire

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RevoSecure

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Limited Pay RevoSave

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RevoSave

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VivoChild

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VivoWealth Solitaire

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SAIL

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VivoCash Prime

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Smart Secure

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Guaranteed Life Annuity

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Grandeur Solitaire (US$)

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Gro Retire Flex

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Ivan Test Purging 12/5

Investment-linked plans

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VivaLink

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VivoLink Testing 12/5 Update

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FlexiLink

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GrowthLink

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