Savings vs. Investment-linked
What’s the difference?
Participating Savings Plans
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Premiums go into a participating fund and all participating policyholders share the investment return of the fund
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Insurer may declare guaranteed bonus and non-guaranteed bonus that will be added to your policy
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Usually has a guaranteed cash value
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Unable to vary amount of insurance coverage without revision in premium rates
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Unable to top up investment
Investment-linked Plans (ILP)
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Policyholder chooses which ILP sub-fund to invest in and bears the ILP investment risk
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No guaranteed bonuses and returns are dependent on the ILP sub-fund you invest in
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No minimum guaranteed cash value
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Flexibility to vary insurance coverage for regular premium plans based on changes in financial needs without revision in premium rates
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Flexibility to top up investment on ad-hoc or regular basis and switch funds
Find the right plan.
Result
Savings plans
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
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
Gro Cash Harvest
Make your money work for you and enjoy regular cash payouts, so you can enjoy life’s golden moments.
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
Gro Cash Sure
This is a the Gro Cash Sure product
RevoRetire
Craft your desired retirement lifestyle with monthly cash payouts.
- Guaranteed acceptance regardless of health condition Test 13/5
- Cash benefits
- Regular premium term
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
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
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
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
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
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
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
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
Guaranteed Life Annuity
A single premium savings plan that gives you guaranteed income during your retirement years.
Grandeur Solitaire (US$)
Receive cash payouts and stay protected till age 120 with just a single premium.
Gro Retire Flex
This is a the Gro Retire Flex product
Gro Saver Flex Pro
Customise your savings plan to best meet your financial needs and receive protection coverage.
- Choice of policy terms
- Guaranteed acceptance regardless of health condition Test 13/5
- Regular premium term
Ivan Test Purging 12/5
Ivan Test Purging Description 12/5
Investment-linked plans
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
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
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
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
