Invest in a wide range of funds to earn potentially higher returns with low fund management fees.

What it covers

Death and total and permanent disability

We pay the basic benefit or cash-in value, whichever is higher, in the event of death or total and permanent disability (TPD before age 70).


The annual fund management fee is about 40% lower than other funds in the market [1].

You can choose from an extensive range of funds to suit your needs, including our unique Aim Series funds. There is no limit to the number of funds [2] you can choose under one policy.

You will not be charged or limited to the number of fund switches [3] made a year.

You have the freedom to change the amount you want to save each time, to top-up your investment with a lump sum or to withdraw [4] some of your investments, as often as you wish.

We have a team of experienced investment professionals monitoring each fund. These selected funds have consistently attained Lipper Leader ratings over the years, which mean they rank among the top 20% in performance among other similar funds.

We waive the policy fee of $50 per year (applicable from the second policy year) if your policy’s net premium [5] is $25,000 or higher.

Enjoy a wide range of exclusive treats which are specially curated for you.

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Before you apply

The entry age is from 0 to 74 years old (last birthday).

You need to make a one-time single premium payment.

Important Notes


  1. Other funds in the market refer to investment-linked plan (ILP) funds excluding Income’s funds. The average annual management fee is calculated using annual management fee (maximum or actual) data from Morningstar and its content providers.
    © 2014 Morningstar. All Rights Reserved. This information: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
  2. There is a minimum requirement on the amount allocated into each selected fund upon each premium payment.
  3. Minimum switch amount is a nominal amount of $1,000 each time. No limit to the number of switches per year.
  4. Withdrawal amount must be at least $500. After withdrawal, the policyholder needs to hold a minimum of $1,750 worth of units under each selected fund or $3,500 worth of units across all funds under the policy. These limits are not guaranteed, and are subject to revision by Income.
  5. Net premium means the initial single premium paid, and the total of all top-ups made, less all amounts withdrawn.

Important notes


This information is not to be construed as an offer or solicitation for the subscription, purchase or sale of any investment-linked plan (ILP) fund. The information and descriptions contained in this material are provided solely for general informational purposes and do not constitute any financial advice. It does not have regard to the specific investment objectives, financial situation and particular needs of any persons.
Investments are subject to investment risks including the possible loss of the principal amount invested. Past performance, as well as the prediction, projection or forecast on the economy, securities markets or the economic trends of the markets are not necessarily indicative of the future or likely performance of the ILP fund. The performance of the ILP fund is not guaranteed and the value of the units in the ILP fund and the income accruing to the units, if any, may fall or rise. A product summary and product highlights sheet(s) relating to the ILP fund are available and can be obtained from your insurance adviser. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP fund.
This page 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 can be substantially 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 General Insurance Association of Singapore (, the Life Insurance Association, Singapore ( or Singapore Deposit Insurance Corporation (


Information is correct as of 19 April 2017

Frequently asked questions

How to apply

For enquiries about savings and investment products, please call our hotline:
6788 1122

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