A savings and retirement plan that provides you with regular annual payouts.

What it covers

Death and total and permanent disability

Accumulation Period

We pay 105% of the net premiums and of the bonuses [1] or 101% of the net premiums and of the bonuses [1] for those with medical conditions in the event of death or total and permanent disability (TPD before age 70) during the accumulation period.

Payout Period

We pay 105% of the remaining regular payments or 101% of the remaining regular payments for those with medical conditions in the event of death or total and permanent disability (TPD before age 70) during the payout period.


You have the flexibility to choose your desired retirement age from age 55, 60, 62 or 65 (last birthday). Alternatively, you can choose to retire in 10, 15, 20, 25 or 30 years from the start of your policy.

You will only need to pay a one-time single premium for your policy.

You can choose to receive your regular [2] retirement income over 20 years or in one lump sum at your chosen retirement age.

Your policy will be accepted regardless of health condition.

This policy will share in the profits and losses of the Life Participating Fund [1].

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

Find out more.

Before you apply

Minimum entry age Maximum entry age (last birthday) Accumulation period
0 60 10
0 50 15
0 45 20
0 40 25
0 35 30
25 45 Up to age 55
30 50 Up to age 60
32 52 Up to age 62
35 55 Up to age 65

You need to make a one-time single premium payment with a minimum amount of $10,000. The maximum premium limit set depends on your health and financial condition.

Important Notes


  1. Bonus rates are not guaranteed and will vary according to the future performance of the Life Participating Fund.
  2. You may choose to receive your retirement income yearly, monthly, quarterly or half-yearly, subject to policy conditions.



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.
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 (, 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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