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Preserve your family’s heritage and safeguard your loved ones, with just a single premium.
Apply NowBe protected against death and terminal illness with a high minimum protection value[1] of up to 320% of the sum assured till age 80.
Stay protected against accidental death[2] before age 70 with additional coverage of up to 25% of the minimum protection value[1].
Remain secure with a guaranteed cash value of 80% of your single premium[3] from the day your policy starts.
Enjoy a complimentary one-time medical concierge service[4] when your application has a minimum protection value of $3 million.
Enjoy bonuses[5] based on the performance of the Life Participating Fund.
Gain access to a range of privileges with Solitaire Club.
How VivoLegacy Solitaire safeguards your legacy
Mr Tan has $2.5 million in cash and he wishes to leave an inheritance to his wife and two children.
He buys VivoLegacy Solitaire with a single premium of $500,000 and sum assured of $730,000.
He enjoys a minimum protection value1 of $2,336,000 (based on 320% of the sum assured).
His remaining $2 million could be set aside for retirement, or to purchase a retirement plan.
If Mr Tan passes away, his nominated beneficiaries (wife and two children) would get a death benefit of $2,336,0001.
The figures used are for illustrative purposes only and are rounded to the nearest dollar.
1 During the policy term, if the insured becomes terminally ill or dies, before the policy anniversary immediately after the insured reaches the age of 80, 100% of sum assured and 100% of non-guaranteed bonuses, or minimum protection value of the basic policy, whichever is higher will be paid. The minimum protection value of the basic policy depends on the age of the insured at policy entry date (age last birthday) and could be up to 320% of the sum assured. If the insured becomes terminally ill or dies, on or after the policy anniversary immediately after the insured reaches the age of 80, 100% of the sum assured and 100% of non-guaranteed bonuses will be paid.
© 2019 Income. All rights reserved.How VivoLegacy Solitaire helps with asset equalisation of a business
Mr Lee has an IT business worth $10 million and a few million in cash. He has two children; his elder son is helping him with his business while his younger daughter has no interest in running the business.
He buys VivoLegacy Solitaire with a sum assured of $4,000,000.
He enjoys a minimum protection value1 of $10,000,000 (based on 250% of the sum assured) and pays a single premium of $3,176,000.
He leaves the IT business entirely to his son.
If Mr Lee passes away, his daughter, the nominated beneficiary would get a death benefit1 of $10,995,5992.
The figures used are for illustrative purposes only and are rounded to the nearest dollar.
Should the long-term average return be 3.25% per annum, the illustrated death benefit at age 85 would be $5,846,68833 instead.
1 During the policy term, if the insured becomes terminally ill or dies, before the policy anniversary immediately after the insured reaches the age of 80, 100% of sum assured and 100% of non-guaranteed bonuses, or minimum protection value of the basic policy, whichever is higher will be paid. The minimum protection value of the basic policy depends on the age of the insured at policy entry date (age last birthday) and could be up to 320% of the sum assured. If the insured becomes terminally ill or dies, on or after the policy anniversary immediately after the insured reaches the age of 80, 100% of the sum assured and 100% of non-guaranteed bonuses will be paid.
2 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 4.75% 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.
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 3.25% 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.
© 2019 Income. All rights reserved.We pay 100% of the rider’s sum assured and corresponding pro-rated non-guaranteed bonuses of the basic policy or 100% of the rider’s minimum protection value[1], whichever is higher, upon diagnosis of the insured with total and permanent disability (TPD before the anniversary immediately after the insured reaches the age 70) during the term of the rider[6].
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.
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 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 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 of 23 July 2019.
Information is correct as of 8 February 2024.
Minimun entry age (last birthday) | Maximum entry age (last birthday) | |
Insured | 0 | 75 |
Policyholder | 10^ | N.A. |
^Individuals who take up the policy on their own from 10 to 15 years old (last birthday) will require parental/legal guardian’s consent. Parents cannot take up policies on the lives of their children who are 18 years old (last birthday) and above.
You need to make a single premium payment for a minimum sum assured of $250,000. The maximum sum assured is subject to underwriting.
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