A short-term regular savings plan with guaranteed monthly cash benefits.

What it covers

Guaranteed cash benefits

You will receive monthly guaranteed cash benefits [1] from the end of 61st policy month onwards. For policies with 8 years policy term, we will pay cash benefits for 35 months. For policies with 10 years policy term, we will pay cash benefits for 59 months. You can choose to spend it as you wish or accumulate it with us at an interest rate of up to 3.5% p.a. [2]

Death and total and permanent disability

We pay bonuses[3] and 105% of all net premiums paid if death or total and permanent disability occurs when the insured is below 60 years old. If death or total and permanent disability (TPD before age 70) happens when the insured is aged 60 or above, we pay bonuses[3] and 101% of all net premiums paid.


You only need to pay premium for 5 years and you can choose to have your policy mature after 8 or 10 years.

You need not go through the hassle of medical check-ups when you sign up for the plan.

This policy will share in the profits and losses of the Life Participating Fund [3].

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

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Before you apply

Minimum entry age Maximum entry age (last birthday) Premium payment term Policy term
0 65 5 years 8 years
0 60 10 years

You can make your payments monthly, quarterly, half-yearly, or yearly.

Important Notes


  1. The monthly cash benefit (an amount equivalent to the monthly premium), commencing from the 61st policy month onwards, is paid at the end of each month for 35 months for an 8-year policy term and 59 months for a 10-year policy term if the insured is alive and the policy has not ended.
  2. Interest rate of 3.5% per annum is not guaranteed. Prevailing interest rate at the point of deposit will be determined by Income.
  3. Bonus rates are not guaranteed and will vary according to the future performance of the Life Participating Fund.



There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes


This page is for general information only. You can find the usual terms and conditions of this plan in the policy contract. 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 the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).


Information is correct as of 28 August 2017

Frequently asked questions

How to apply

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

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