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

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

Find the right plan.

My plan should
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Savings plans

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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
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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
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Gro Cash Harvest

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

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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
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RevoRetire

Craft your desired retirement lifestyle with monthly cash payouts.

  • Guaranteed acceptance regardless of health condition Test 13/5
  • Cash benefits
  • Regular premium term
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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
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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
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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
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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
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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
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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
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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
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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
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Guaranteed Life Annuity

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

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Grandeur Solitaire (US$)

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

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Ivan Test Purging 12/5

Ivan Test Purging Description 12/5

Investment-linked plans

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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
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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
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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
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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
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