Empower your wealth with Smart Secure
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Start saving with a single premium and receive guaranteed yearly cash benefits[1] after one year
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Choose to use the guaranteed yearly cash benefit to fund the premiums of a specified savings plan[2] and enjoy this convenience, or receive it as a payout to spend as you wish.
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Get back at least all of the premiums you have paid[3] in the form of yearly cash benefits[1] and maturity benefit[4]
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Stay protected against death and total and permanent disability (TPD before age 70).
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Guaranteed acceptance regardless of your health condition.
Let us walk you through Smart Secure.
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How Smart Secure helps you empower your wealth
40 years oldMr Tan, age 40, decides to start planning for his early retirement by signing up for RevoSecure with a sum assured of $108,405 and pays $20,000 for the first year premium.
The policy has a 5 year premium term and will mature in 10 years.
As he wants to ensure his RevoSecure premiums are taken care of, he decides to purchase Smart Secure with a single premium of $78,000 and sum assured of $80,000.
41 - 44 years oldMr Tan uses his guaranteed yearly cash benefits1 and maturity benefit2 (of $20,000 each) from Smart Secure to fund the remaining premiums of RevoSecure, enjoying the convenience and seamless experience of saving.
- Total premiums paid (Smart Secure + RevoSecure)
- $78,000 + $20,000 = $98,000
- Total premiums paid (RevoSecure only)
- $20,000/year x 5 years = $100,000
44 years oldWhen the Smart Secure policy matures in 4 years, the premiums for RevoSecure policy would be fully paid and the policy continues.
- Total illustrated payout (over 4 years)
- $80,000 (Guaranteed yield at maturity: 1.02% p.a.3)
RevoSecure policy continues and Mr Tan can look forward to his dream of early retirement.
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
1 You will start to receive 25% of your sum assured as your yearly cash benefit starting from the end of the 1st policy year till the end of the 3rd policy year. These cash benefits are paid as long as the insured is still alive and the policy has not ended.
2 If the insured survives at the end of the policy term and this policy has not already ended, we will pay 25% of the sum assured. If you have chosen to fund the premiums of a specified savings plan, the maturity benefit will also be used to fund premiums of the specified savings plan. This policy will end when we make this payment.
3 The guaranteed return of 1.02% p.a. will be paid out at the end of the policy term, provided that the insured survives at the end of the policy term, with no policy alterations or claims made during the entire policy term.
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Eligibility and payment frequency
- The entry age is from 0 to 75 years old (last birthday).
- You can only make your payment in a single premium.
Policy conditions
Application forms
Your queries answered.
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Footnotes
- You will start to receive 25% of your sum assured as your yearly cash benefit starting from the end of the 1st policy year till the end of the 3rd policy year. These cash benefits are paid as long as the insured is still alive and the policy has not ended.
- Specified savings plan means the savings plan to be funded by the cash benefit of this policy. The savings plan must meet all of the following conditions:
- the payment term is 5 year(s);
- the payment mode is yearly;
- it has no rider(s) attached; and
- the policy entry date is not backdated. - Capital guarantee on the condition that the policy is held until the maturity date with no policy alterations or claims made during the entire policy term. You can get back at least all the premiums you have paid in the form of guaranteed cash benefits and guaranteed maturity benefit.
- If the insured survives at the end of the policy term and this policy has not already ended, we will pay 25% of the sum assured. If you have chosen to fund the premiums of a specified savings plan, the maturity benefit will also be used to fund premiums of the specified savings plan. This policy will end when we make this payment.
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 page is for general information only. You can find the usual terms and conditions of this plan in the 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 adviser. 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 websites (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 of 23 July 2019.
Information is correct as of 21 September 2023.