What we believe in as a company.

We operate as a modern, professional organisation while striving to serve out our social purpose to make insurance accessible and affordable to all. We have an exciting future ahead as we keep pace with the needs and aspirations of our customers. Together, as a team, we will embrace new challenges and opportunities as we continue our journey towards excellence, for the benefit of our customers, employees and other stakeholders.

- Ken Ng, Chief Executive, Income

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'In With You', stands for performance, growth, innovation and impact. It is a reflection of what employees relate to and experience most at Income.

They are also attributes that we aim to sharpen and live up to as an employer. To us, these attributes are important to support our vision and mission.

We offer driven professionals like you an environment to challenge yourself and one another to achieve shared goals.

We develop your potential and offer you opportunities to realise your ambitions in a collaborative and culturally diverse environment.

We empower you to counter conventional thinking by constantly seeking breakthroughs and act as a catalyst for change.

We provide the unique opportunities for you to do good and create positive social impact to make a meaningful difference to people's lives.

The Income competencies ensure that we uphold the highest standards in our work and achieve our goals effectively.

  1. Challenge status quo and take risks
  2. Commit to maximise results by taking ownership and holding one another accountable
  3. Communicate by speaking up and be open to honest feedback
  4. Collaborate and support each other to win
  5. Create action plans with clear targets/outcomes and execute with discipline
  6. Cultivate positive customer relationships through quality service

Look forward to a career with us.

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Income recognises and rewards its staff in line with their abilities and contributions, with plenty of opportunities for you to advance your career. Make a difference and get the recognition you deserve. An organisation is only as strong as the people within it.

That’s why we also keep our staff constantly updated on the latest industry trends and practices through various trainings, workshops, job rotations, and projects.

With a wide array of incentives like medical, dental, and enrichment allowances, we’ll make sure that you are well looked after. This way, you can give your best for the company and the community.

Here’s what it means for us to be a socially responsible company.

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  • At Income, we value and respect employees’ basic rights. Due diligence in the form of responsible human resource policies forms the cornerstone of this commitment.
  • We implement fair hiring and work practices to ensure that no discrimination of employees, partners, customers, stakeholders, members and anyone else impacted by us has been put in place.
  • We expressly prohibit discrimination and promote a stringent procurement policy. Our inclusive and progressive hiring practices are based on merit.
  • Responsible legal, risk management and compliance departments, as well as trained security personnel, help mitigate the risks of complicity in activities contrary to our values.
  • One of our key priorities is the institutionalisation of suitable internal processes such as recourse and redress mechanisms based on dialogue and mediation. To this end, the Co-operative always demonstrates strong support for unions. In addition, union representation for bargainable staff is always ensured.
  • Beyond complying with national laws and regulations, we ensure that Income employees enjoy good work conditions and social protection. We provide fair compensation with regard to wages, hours of work, weekly rest, health and safety, maternity protection and the ability to combine work with family responsibilities.
  • We are a strong supporter of union membership. Employees from all levels of the organisation are also able to provide feedback in confidence to Human Resources if the need arises.
  • Work health and safety practices are taught during our new-staff induction programme and observed by all staff. There are First Aiders assigned to every 25 employees. Crisis and emergency drills are practiced in accordance to the Ministry of Manpower regulations.
  • We provide a learning and development framework through evaluation completed by our staff and their supervisors. Staff are allocated budget for training and upgrading, and encouraged and given opportunities to improve their skills.
  • We ensure sustainable resource use through energy-efficient practices such as switching off air-conditioning at 7pm. Our paper use is minimised through the use of e-statements.We are also proud to support local and international environmental campaigns such as Earth Hour.
  • To further reduce the environmental footprint of our buildings, we retrofit the buildings we own to at least BCA Greenmark bronze standard and consider BCA Greenmark standards in purchasing properties.
  • We have made an impact in the insurance industry by using layperson language instead of opaque clauses and legal terms in our policy documents. Our Crystal Mark documents are the first in Asia and other companies are now encouraged to follow our lead.
  • We ensure fair competition through a stringent procurement policy.
  • We identify corruption risks, implement and maintain policies and practices that counter corruption and extortion.
  • We ensure that our leadership set an example for anti-corruption and provide commitment and oversight for implementation of anti-corruption policies. We also support and train representatives as part of our efforts to eradicate bribery and corruption. Lastly, we run an annual staff quiz on anti-money laundering policies in accordance with guidelines set by the Monetary Authority of Singapore, and ensure that staff are aware of our whistle-blowing policy.

Hear it straight from us.

Every time when I travel overseas, when it comes to travel insurance, NTUC Income is my preferred choice. Having a pre-existing condition myself, I find it great that they also offer the Enhanced PreX Plans that put my worries at ease when I am overseas, so that I can engage in new experiences and do the things I really love. Their customer service consultants are also very friendly and knowledgeable to answer my queries and process any claims.

Calvin Tham, Graduate Trainee, Life Insurance

During the final presentation, I was pleasantly surprised about the applicability of my work for the organisation. The SVP & Head of Finance and Financial Controller wanted me to share my SOPs and findings with the rest of the Finance Department, and that made me feel like I was adding value.

Kenneth Kow, Finance

I attended Race On! 2013 and the brand “NTUC INCOME” lingered in my mind ever since. I hope Race On! 2014 will continue to inspire more undergraduates to join Income because it is indeed a fun and modern place to be in.

Zandra Chen, Internal Audit

I feel that Income is an organisation that focuses on the learning and development of its employees. I could tell that learning is valued here at Income.

Goh Li Quan, Finance

I have gone from strength to strength since joining Income. My growth is fuelled by sound advice, constructive criticism and a wealth of opportunity from all levels of management within the company… The GTP is an avenue that you can consider to start your professional journey.

Rikki Suarez, Graduate Trainee, Investments Department

My colleague, Jen Ming, proactively went out of his way to explain the rationale for certain work I was doing. I appreciate that there is someone who is creating a positive learning culture in Income. He inspired me to do the same for others.

Joshua Ong, Actuarial

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