A savings and retirement plan that provides you with regular monthly payouts and insurance coverage at the same time.
We pay 105% of all net premiums paid and 100% of terminal bonus during the accumulation period. We pay 105% of all net premiums paid and 100% of terminal bonus, less all regular payments paid out, during the payout period.
You can choose to start receiving your monthly retirement income from age of 55, 60, 65 or 70  (last birthday).
You can set the number of years (10, 20 or 30 years) to receive your retirement income with the flexibility to change your selection any time before your selected retirement age.
You can choose to pay your premiums for 5 years, 10 years or up to age 50, 55, 60 or 65 , depending on your lifestyle and financial ability.
You can get back at least all the premiums that you have paid on the basic plan, on top of the non-guaranteed bonuses  at your selected retirement age. 
Your policy will be accepted regardless of your health condition .
You can receive a Future Gift  of up to 24 times of the final monthly retirement income on top of your monthly retirement income at the point of policy maturity.
This policy will share in the profits and losses of the Life Participating Fund .
View an illustration of how FlexRetire works
We waive future premium payments in the event of the diagnosis of a major cancer during the term of the rider.
You can make your payments monthly, quarterly, half-yearly, or yearly.
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.
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).
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