Invest Flex Vantage

Invest flexibly and maximise your investment potential with Invest Flex Vantage.

Invest from as low as $200 a month with Invest Flex Vantage, an investment-linked plan that gives you the option to receive a potential income stream from the 1^st policy year with dividend-paying funds[1] to supplement your life’s expenses while offering the flexibility to achieve your investment goals, even when life throws you a curveball.

Why do you need Invest Flex Vantage?

In the face of unexpected life events and ever-changing market conditions, it is important for you to stay agile while growing your wealth with your investment.

What does our plan offer?

Invest Flex Vantage is an investment-linked plan that offers you the flexibility and opportunity to receive potential income streams from the 1^st policy year with dividend-paying funds[1].

Where can you get our plan?

Reach out to our advisors here.

Kickstart your investment journey early with Invest Flex Vantage.

Option to receive a potential income stream from the 1^st policy year with dividend-paying funds[1].
Maximise your investment with up to 105% of your regular premiums paid to purchase units.
Charge-free partial withdrawals when a specified life event occurs[2].
Flexibility to take a premium holiday[3] at no charge for up to 120 months from the 5^th policy anniversary.
Enjoy an investment bonus of up to 55.0% of your regular premiums paid for the 1^st policy year.
Provide a 0.5% annual loyalty bonus[4] starting from the 10^th policy anniversary or the end of the minimum investment period (MIP), whichever is later.

Here are other benefits you can get.

Continuity of wealth accumulation with a secondary insured[5].
Receive coverage[6] for death or terminal illness.
Tailor your investment to suit your lifestyle and preferences with the option to top up[7] your investments anytime.
Have the control of switching[8] your investments between available funds anytime at no charge[8].
Invest in an extensive range of funds that are continuously being monitored by a team of experienced investment professionals.

Need more protection?
Enhance your coverage with a rider.

Cancer Premium Waiver (GIO)

You will not need to make future premium payments for your basic policy if you are diagnosed with a major cancer[9] during the term of the rider.

Dread Disease Premium Waiver

You will not need to make future premium payments for your basic policy if you are diagnosed with dread disease[10] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.

Enhanced Payor Premium Waiver

(Only applicable if the insured is not the policyholder)

You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, are totally or permanently disabled (before age 70), or are diagnosed with dread disease[10] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.

Payor Premium Waiver

(Only applicable if the insured is not the policyholder)

You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, or are totally and permanently disabled (TPD before age 70) during the term of the rider.

Let us walk you through Invest Flex Vantage.

How Invest Flex Vantage helps you grow your wealth and build a retirement nest
John, age 45, is looking for a plan to grow his wealth for his retirement and receive protection at the same time. He signs up for Invest Flex Vantage plan with a Minimum Investment Period (MIP) of 10 years and an annual premium of$12,000.

He selects a dividend-paying fund¹ with an illustrated potential dividend payout of 7%^{^} p.a. and chooses to receive the dividend payouts as his potential monthly income. On top of it, he is also covered against death and terminal illness².

45 years old

John receives an investment bonus of 20% of his regular premiums to purchase additional units.

Total Investment Bonus:$2,400.

John receives a potential dividend¹ of$996³ in the first policy year to fund his lifestyle expenses.

50 years old

John gets into an accident and is hospitalised. He decides to do a free partial withdrawal⁴ of$10,000 to help pay his medical bills. As John is financially tight, he takes a premium holiday⁵ of 24 months at no premium holiday charge before his financial situation improves.

55 years old

John continues to pay his annual premium after his MIP ends.

Illustrated policy value:$73,252³

John will also receive an annual loyalty bonus⁶ of 0.5% of the policy value to invest.

57 years old

After he completes 10 years of premium payment, Income Insurance will invest 102% of his annual premium paid.

67 years old

John retires and continues receiving his monthly dividend¹to supplement his expenses. John continues to pay the annual premium. After he completes 20 years of premium payment, Income Insurance will invest 105% of his annual premium paid.

85 years old

John passes away, his family will receive the death benefit²of$450,460 and the policy terminates thereafter.

(If John is still alive at age 85, the illustrated policy value is$316,926³, and the total potential dividends paid would be$511,381³.)

Policy fees and charges apply. Please refer to the policy conditions for further details.

^{^}Non-guaranteed, subject to declaration by the sub-funds and for illustration purposes.

The above figures are for illustration purposes only, non-guaranteed, illustrated at an investment return of 8% p.a. and rounded to the nearest dollar.

Should the illustrated investment rate of return be 4.00% p.a., if the dividend payout is 4% p.a., John will receive a potential dividend¹ of $565⁷ in the first policy year at age 45, and the illustrated policy value would be $70,201⁷ at John’s age of 55. At age 85, the illustrated policy value is $235,467⁷ , and the total potential dividends paid is $258,531⁷ . The dividend payouts John receives each year would be $1,771⁷ at age 50, $3,260⁷ at age 55, $5,317⁷ at age 60, $7,179 ⁷ at age 65, $8,827⁷ at age 70, $10,075⁷ at age 75 and $10,603⁷ at age 80. Both rates of return used (4% p.a. and 8% p.a.) do not represent the upper or lower limits of the investment performance. Should there be insufficient units to pay for policy fees and charges, the policy may end prematurely after the MIP.

Important notes

¹Dividend refers to the distribution of certain funds that have a distribution option that Income Insurance may declare. The policyholder will be entitled to receive these distributions if the policy has not ended and has units in these funds on the declaration date of the distribution. The distribution amount will depend on the number of units the policyholder holds in these funds on the date Income Insurance declares the distribution. The frequency and/or amount of distributions (if at all) may be varied at Income Insurance's absolute discretion. Distributions are not guaranteed. Income Insurance may or may not pay a distribution every year. If the distribution amount for a fund meets the minimum amount Income Insurance tells the policyholder, the policyholder can choose to receive all future distributions from that fund as payouts.
Distributions may be made out of the income and/or capital of the sub-fund. Any payout of distributions from the capital of the sub-fund may result in an immediate reduction of the net asset value per share/unit. Please refer to the policy conditions for further details on the declaration of distributions, reinvesting distributions, and the applicable terms and conditions.

²If the insured becomes terminally ill or dies within one year from the cover start date, Income Insurance will pay the policy value less any bonus at the time Income Insurance was told about the claim. If the insured becomes terminally ill or dies after one year from the cover start date, Income Insurance will pay 101% of the net premium(s) paid or the policy value at the time Income Insurance was told about the claim, whichever is higher. Income Insurance will take off any fees and charges that apply to your policy. The policy will end when Income Insurance makes this payment.

³This figure is based on an illustrated investment return of 8.00% per annum. The rate of return used is before deducting the annual management fees of the funds. The figures above assume that the annual management fee is 1.50% p.a. The performance of the funds is not guaranteed, and the policy value may be less than the capital invested.

⁴During the MIP, the policyholder may choose to exercise a free partial withdrawal if the insured experiences a life event, subject to the policy’s terms and conditions. Please refer to the policy conditions for further details on the life events and the applicable terms and conditions.

⁵If the policyholder still has not paid the premium after the grace period, the policy will enter into a premium holiday. During this premium holiday, the policyholder can stop paying the premium provided the policy value is able to cover the fees and charges that continue to be due on the policy. The premium holiday charge may be payable during the premium holiday if it is within the MIP. From the 5^th policy anniversary, the policyholder can take a premium holiday without any premium holiday charge up to the specified period, according to the MIP selected. Please refer to the policy conditions for further details.

⁶The loyalty bonus will be provided on the next working day from the 10^th policy anniversary. The loyalty bonus is a percentage of the policy value based on the anniversary. It will be used to invest in the funds the policyholder has chosen. The policy must meet all the following conditions to receive the loyalty bonus:

The policy must not have ended when the loyalty bonus is provided.

The policyholder did not make any withdrawal, except withdrawal under the life events withdrawal benefit, for the past 12 months before the date for the loyalty bonus payment.

Please refer to the policy conditions for further details.

⁷This figure is based on an illustrated investment return of 4.00% per annum. The rate of return used is before deducting the annual management fees of the funds. The figures above assume that the annual management fee is 1.50% p.a. The performance of the funds is not guaranteed, and the policy value may be less than the capital invested.

© 2024 Income Insurance. All rights reserved.

Investment-linked Plan

Invest Flex Vantage

Regular premium term
Choice of funds to invest in
Protection in the event of terminal illness
Mid/long term policy term (More than 5 years)

Compare with

Investment-linked Plan

Regular premium term
Choice of funds to invest in
Protection in the event of terminal illness
Mid/long term policy term (More than 5 years)
Protection in the event of total and permanent disability

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Take the first step today to build your wealth for your future.

From 1 October 2024 to 31 December 2024, you can enjoy up to 3,200,000^{^} STAR$^®
when you sign up for Invest Flex Vantage!

^{^}1,000 STAR$^® = $1 eCapitaVoucher. Promo Ts&Cs apply. Find out more here.

Speak with your preferred Income advisor or leave your contact details for us to assign an advisor and schedule a personalised needs analysis with you.

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You may refer to Income Insurance’s Privacy Policy for more information, including access and correction to personal data and consent withdrawal.

Your policy toolkit.

Eligibility and payment frequency

Entry Age (Age Last Birthday)

	Minimum	Maximum
Insured	0	80 - Minimum Investment Period
Policyholder	18	N.A.

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

Brochures

Invest Flex Vantage Brochure (English)

Invest Flex Vantage Brochure (Chinese)

Policy conditions

Invest Flex Vantage Policy Conditions

Print all queries

Important notes

Footnotes

1. Dividend refers to the distribution of certain funds that have a distribution option that Income Insurance may declare. The policyholder will be entitled to receive these distributions if the policy has not ended and has units in these funds on the declaration date of the distribution. The distribution amount will depend on the number of units the policyholder holds in these funds on the date Income Insurance declares the distribution. The frequency and/or amount of distributions (if at all) may be varied at Income Insurance's absolute discretion. Distributions are not guaranteed. Income Insurance may or may not pay a distribution every year. If the distribution amount for a fund meets the minimum amount Income Insurance tells the policyholder, the policyholder can choose to receive all future distributions from that fund as payouts.

Distributions may be made out of the income and/or capital of the sub-fund. Any payout of distributions from the capital of the sub-fund may result in an immediate reduction of the net asset value per share/unit. Please refer to the policy conditions for further details on the declaration of distributions, reinvesting distributions, and the applicable terms and conditions.

2. During the MIP, the policyholder may choose to exercise a free partial withdrawal if the insured experiences a life event, subject to the policy’s terms and conditions. Please refer to the policy conditions for further details on the life events and the applicable terms and conditions.

3. If the policyholder still has not paid the premium after the grace period, the policy will enter into a premium holiday. During this premium holiday, the policyholder can stop paying the premium provided the policy value is able to cover the fees and charges that continue to be due on the policy. The premium holiday charge may be payable during the premium holiday if it is within the MIP. From the 5^th policy anniversary, the policyholder can take a premium holiday without any premium holiday charge up to the specified period, according to the MIP selected. Please refer to the policy conditions for further details.

4. The loyalty bonus will be provided on the next working day from the 10^th policy anniversary. The loyalty bonus is a percentage of the policy value based on the anniversary. It will be used to invest in the funds the policyholder has chosen. The policy must meet all the following conditions to receive the loyalty bonus:

a) The policy must not have ended when the loyalty bonus is provided.

b) The policyholder did not make any withdrawal, except withdrawal under the life events withdrawal benefit, for the past 12 months before the date for the loyalty bonus payment.

Please refer to the policy conditions for further details.

5. Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times. Terms apply for the benefit. Please refer to the policy conditions for further details.

6. If the insured becomes terminally ill or dies within one year from the cover start date, Income Insurance will pay the policy value less any bonus at the time Income Insurance was told about the claim. If the insured becomes terminally ill or dies after one year from the cover start date, Income Insurance will pay 101% of the net premium(s) paid or the policy value at the time Income Insurance was told about the claim, whichever is higher. Income Insurance will take off any fees and charges that apply to your policy. The policy will end when Income Insurance makes this payment.

7. Income Insurance may set a minimum amount for each top-up. Income Insurance will use 100% of the top-ups to buy units (at the bid price) in the funds the policyholder chooses. When Income Insurance works out any claim benefit, Income Insurance will not consider any top-ups made after Income Insurance is told about the claim. Top-ups do not form part of the regular premiums. The policyholder cannot make any top-ups when the policy is on a premium holiday.

8. The policyholder may switch between funds at any time. If the policyholder is not switching out of a fund completely, Income Insurance may tell the policyholder to leave a minimum amount in that fund. Income Insurance reserves the right to charge the policyholder a small amount and set a minimum amount for each switch. Please refer to the policy conditions for further details.

9. This is applicable only after one year from the cover start date. Cover start date refers to the date we issue the rider or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is the latest). However, if the insured is diagnosed with any one of the major cancer within one year from the cover start date, we will end this rider and refund 100% of the premiums paid on this rider. You will then have to continue paying premiums for your Invest Flex Vantage policy. The insured must survive at least 30 days after the insured is diagnosed with a covered major cancer before we pay the major cancer benefit. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, or received treatment for any cancer, including carcinoma-in-situ, before the cover start date. You can find the usual terms and conditions of this rider, full list of our specified major cancer and their definitions in your policy contract.

10. We will not pay this benefit if the insured was diagnosed with the disease within 90 days from the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest) for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease.

Exclusions

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 information is not to be construed as an offer, recommendation, solicitation or advice for the subscription, purchase or sale of any investment-linked plan (ILP) sub-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 person.

Investments are subject to investment risks including the possible loss of the principal amount invested. Before committing to the minimum investment period, you may want to consider how long is your investment expectations or needs and whether you are able to keep up with the premium payment should your financial situation changed. 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 sub-fund. The performance of the ILP sub-fund is not guaranteed and the value of the units in the ILP sub-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 sub-fund are available and can be obtained from your insurance advisor or online at income.com.sg/funds. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund.

This is for general information only. You can find the usual terms, conditions and exclusions 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 advisor. 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 may be zero or 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 Insurance or visit the GIA/LIA or SDIC websites (gia.org.sg or lia.org.sg or sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Protected by copyright and owned by Income Insurance Limited.

Information is correct as at 30 December 2024.

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MIP
5 years	10 years		15 years		20 years
Min $9,600	Min $6,000	Min $9,600	Min $3,600	Min $9,600	Min $2,400	Min $9,600
4.0%	5.0%	20.0%	10.0%	40.0%	25.0%	55.0%

Minimum premium
MIP/Payment Frequency	5 Years	10 Years	15 Years	20 Years
Yearly	$9,600	$6,000	$3,600	$2,400
Half-Yearly	$4,800	$3,000	$1,800	$1,200
Quarterly	$2,400	$1,500	$900	$600
Monthly	$800	$500	$300	$200

Monthly	Quarterly	Half-Yearly	Yearly
$50 per month	$150 per quarter	$300 per half-year	$600 per year

Policy Year	Policy Fee
From Year 1 to 10	Annual rate of 2.5% of policy value
From Year 11 onwards	Annual rate of 0.6% of policy value

Monthly	Quarterly	Half-yearly	Yearly
$50 per month	$150 per quarter	$300 per half-year	$600 per year

MIP	Loyalty Bonus from 10th policy anniversary or the end of MIP, whichever is later
5 years	0.5%
10 years	0.5%
15 years	0.5%
20 years	0.5%

MIP	Monthly regular premium (or its equivalent for other payment frequency)	Percentage of regular premium to buy units
5 years	1st – 120th	100%
	121st – 240th	102%
	241st onwards	105%
10 years	1st – 120th	100%
	121st – 240th	102%
	241st onwards	105%
15 years	1st – 120th	100%
	121st – 240th	102%
	241st onwards	105%
20 years	1st – 120th	100%
	121st – 240th	102%
	241st onwards	105%

MIP	Premium holiday period without premium holiday charge
5 years	0 months
10 years	60 months
15 years	60 months
20 years	120 months

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Invest Flex Vantage

Investment-linked Plan

Invest flexibly and maximise your investment potential with Invest Flex Vantage.

Why do you need Invest Flex Vantage?

What does our plan offer?

Where can you get our plan?

Discover how Invest Flex Vantage is designed to maximise your investment potential.

Kickstart your investment journey early with Invest Flex Vantage.

Here are other benefits you can get.

Need more protection? Enhance your coverage with a rider.

Cancer Premium Waiver (GIO)

Dread Disease Premium Waiver

Enhanced Payor Premium Waiver

Payor Premium Waiver

Let us walk you through Invest Flex Vantage.

How Invest Flex Vantage helps you grow your wealth and build a retirement nest

45 years old

50 years old

55 years old

57 years old

67 years old

85 years old

Invest Flex Vantage

Compare with

Take the first step today to build your wealth for your future.

Your policy toolkit.

Eligibility and payment frequency

Brochures

Policy conditions

Footnotes

Exclusions

Important Notes

Apply for Invest Flex Vantage

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