Savings & Investment Plans | NTUC Income

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

Participating Savings Plans

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

View savings plans

Investment-linked Plans (ILP)

Policyholder chooses which ILP sub-fund to invest in and bears the ILP investment risk
No 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

View investment-linked plans

Find the right plan.

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Savings plans

alt — Capital Plus

Grow your wealth with a single premium savings plan that gives you guaranteed return of 2.30% per annum over 3 years.

Protection in the event of total and permanent disability TEST 13/5
Single premium payment
Guaranteed acceptance regardless of health condition Test 13/5
Capital guaranteed upon maturity
Pay by CPF option

alt — Endowment Plan 26/4

Stay protected while growing your wealth with a regular savings plan. Testing 28/4

Protection in the event of total and permanent disability TEST 13/5
Choice of policy terms
Regular premium term
Potential bonus distribution
Convert to paid-up policy option

alt — Gro Cash Harvest

Make your money work for you and enjoy regular cash payouts, so you can enjoy life’s golden moments.

alt — RevoEase test 13/5

Grow your wealth with a 10-year savings plan where you pay for only three years with RevoEase Privilege. 13/5

Protection in the event of total and permanent disability TEST 13/5
Guaranteed acceptance regardless of health condition Test 13/5
Regular premium term
Potential bonus distribution
Capital guaranteed upon maturity
Convert to paid-up policy option

alt — RevoRetire

Craft your desired retirement lifestyle with monthly cash payouts.

Guaranteed acceptance regardless of health condition Test 13/5
Cash benefits
Regular premium term
Potential bonus distribution
Choice of policy terms
Option to receive my cash payouts
Option to accumulate my cash payouts with interest
Capital guaranteed at the end of accumulation period

alt — RevoSecure

Grow your wealth with a flexible savings plan while staying protected.

Protection in the event of total and permanent disability TEST 13/5
Guaranteed acceptance regardless of health condition Test 13/5
Regular premium term
Potential bonus distribution
Capital guaranteed upon maturity
Choice of policy terms

alt — Limited Pay RevoSave

A savings plan with a variety of policy and premium terms that provides guaranteed yearly cash benefits after two years while protecting you.

Protection in the event of total and permanent disability TEST 13/5
Guaranteed acceptance regardless of health condition Test 13/5
Regular premium term
Potential bonus distribution
Capital guaranteed upon maturity
Choice of policy terms
Cash benefits
Option to receive my cash payouts
Option to accumulate my cash payouts with interest
Convert to paid-up policy option

alt — RevoSave

Enjoy protection and flexibility while you save with guaranteed yearly cash benefits after two years.

Protection in the event of total and permanent disability TEST 13/5
Potential bonus distribution
Cash benefits
Regular premium term
Choice of policy terms
Option to receive my cash payouts
Option to accumulate my cash payouts with interest
Convert to paid-up policy option

alt — VivoChild

A savings plan with guaranteed cash benefits at different stages of your child’s education.

Protection in the event of total and permanent disability TEST 13/5
Cash benefits
Regular premium term
Potential bonus distribution
Choice of policy terms
Option to receive my cash payouts
Option to accumulate my cash payouts with interest
Convert to paid-up policy option

alt — VivoWealth Solitaire

Receive cash payouts and stay protected till age 100 with just a single premium.

Protection in the event of total and permanent disability TEST 13/5
Single premium payment
Potential bonus distribution
Cash benefits
Option to receive my cash payouts
Option to accumulate my cash payouts with interest
Guaranteed acceptance regardless of health condition Test 13/5

alt — SAIL

Prepare for your golden years with a savings plan that provides regular payouts while also protecting you.

Protection in the event of total and permanent disability TEST 13/5
Guaranteed acceptance regardless of health condition Test 13/5
Single premium payment
Potential bonus distribution
Choice of policy terms
Cash benefits
Pay by SRS option
Option to receive my cash payouts

alt — VivoCash Prime

Receive cash payouts till age 100 while staying protected against death and having peace of mind in the event of total and permanent disability.

Guaranteed acceptance regardless of health condition Test 13/5
Cash benefits
Regular premium term
Potential bonus distribution
Option to receive my cash payouts
Option to accumulate my cash payouts with interest
Convert to paid-up policy option

alt — Smart Secure

Empower your wealth with a single premium savings plan that provides cash benefits to help you fund the premiums of a specified savings plan.

Protection in the event of total and permanent disability TEST 13/5
Guaranteed acceptance regardless of health condition Test 13/5
Single premium payment
Cash benefits

alt — Guaranteed Life Annuity

A single premium savings plan that gives you guaranteed income during your retirement years.

alt — Grandeur Solitaire (US$)

Receive cash payouts and stay protected till age 120 with just a single premium.

alt — Ivan Test Purging 12/5

Ivan Test Purging Description 12/5

Investment-linked plans

alt — VivaLink

Build your wealth and stay insured with a versatile investment-linked plan.

Protection in the event of total and permanent disability TEST 13/5
Choice of funds to invest in
Regular premium term

alt — VivoLink Testing 12/5 Update

Invest regularly while staying insured with a flexible investment-linked plan. Testing 30/3 Update

Protection in the event of total and permanent disability TEST 13/5
Choice of funds to invest in
Regular premium term

alt — FlexiLink

Start investing with just $5,000 of your CPF savings with a fuss-free single premium investment plan.

Protection in the event of total and permanent disability TEST 13/5
Choice of funds to invest in
Single premium payment
Pay by CPF option

alt — GrowthLink

Kickstart your investments with our wide range of funds and earn potentially higher returns with low annual management fees.

Protection in the event of total and permanent disability TEST 13/5
Guaranteed acceptance regardless of health condition Test 13/5
Choice of funds to invest in
Single premium payment
Pay by SRS option