Invest vista
Embark on ethical investing with Invest vista, Etiqa’s values-based insurance solution that is designed for investing with a vision. Invest vista is a regular premium investment-linked plan designed to meet your wealth accumulation goals with added flexibilities.
Receive up to 20% additional bonus top-up on 1st year premium*
for all eligible sign-ups by 5 November 2025
Receive up to 20% additional bonus top-up on 1st year premium* for all eligible sign-ups by 5 November 2025
*Please refer to the full T&Cs here.
Product type
Investment-Linked Plan
Policy term
To 100
Premium term
10 or 20 years
What you can get
Supercharge your investment with multiple bonus units
- Kick off with a massive start-up bonus of up to 55%1 in your first year of investment.
- Score a 3% special bonus2 on every premium payment from as early as policy year 6.
- Lock in a steady 0.1% p.a. loyalty bonus3 when your premium term ends.
Access to Shariah-compliant funds
Flexibility to match your needs
- Choose your premium term: 10 Years – Flexi 3, 10 Years – Flexi 5 and 20 Years.
- Pause premiums without fees5 – your policy keeps growing.
- Enjoy 2 free partial withdrawals starting policy year 4 when you need cash.
- Boost your investment anytime with easy premium top-ups.
Protect your loved ones from life’s uncertainties
- Be covered against death and terminal illness at the higher of 101% of total premiums paid6 or regular premium account value.
- Stay covered with optional premium waiver riders:
– Extra secure waiver II – t: Premiums waived if the life insured is diagnosed with any of the 37 severe-stage critical illnesses.
– Extra payer waiver II – t: Premiums waived upon death, total and permanent disability or diagnosis of any of the 37 severe-stage critical illnesses of the policyholder (before age 86).
Leave a lasting legacy
Make your investment matter. In the spirit of Takaful, Etiqa donates 0.1% of first-year premiums for all regular premium Family Takaful plans launched from 1 August 2025 to Community Chest – at no additional cost to policyholders. This contribution is made by Etiqa without affecting policyholders’ premiums or plan benefits.
Note: Invest vista is a Takaful product.
- Certified Shariah-compliant by Financial Shariah Advisory and Consultancy (FSAC) of Pergas Singapore
- With Takaful protection based on mutual assistance amongst policyholders
- Contract based on Takaful principles
- End-to-end Shariah investing
- Suitable Islamic wealth preservation and distribution solutions
- For policy with 20 Years premium term. Start-up bonus varies by premium term, please refer to the policy contract for more details.
- Applicable to policy with 10 Years – Flexi 5 and 20 Years premium term only.
- Applicable to policy with 20 Years premium term only.
- Based on premium term of 20 years.
- Please refer to the policy contract for more details.
- Upon the death of the life insured while the policy is in force, the death benefit payable is the sum of:
- 101% of (total regular premium paid less all partial withdrawals made from the regular premium account) or the regular premium account value, whichever is higher; and
- Top-up account value,
less any amounts owing to us.
- Wakaf is an ongoing charity, a voluntary charitable endowment from one’s personal belongings or wealth in the form of cash/property for pious and religious causes.
Etiqa’s ILP Sub-Funds
We understand that everyone has a different approach to investing. We tailor your investment plan by matching your risk level and financial goals with a mixture of different ILP sub-funds.
Here's how Invest vista works
Sarah, age 30, non-smoker is looking for a Shariah-compliant investment-linked plan that will grow her wealth and provide insurance coverage. She signs up for Invest vista with a payment term of 10 Years – Flexi 5 at S$800 in monthly premiums. Sarah decides to invest her premiums in dividend paying funds, and reinvest her dividends8. She is protected with a basic policy sum assured equal to the higher of 101% of total premiums6 paid or regular premium account value.
Notes
Policy fees and charges apply. Please refer to the policy contract for full details of the terms and conditions. The scenario above is for illustration purposes only. Figures shown above are rounded to the nearest dollar. The illustrated dividend payout is 6.73% p.a. under an illustrated investment return of 8% per annum, and 2.73% p.a. under an illustrated investment return of 4% per annum.
The above illustrated values are based on illustrated investment rate of return of 8% per annum. Illustrated values based on illustrated investment rate of return of 4% per annum are cited in the footnote below. The two rates, 4% per annum and 8% per annum, are used purely for illustrative purposes only, are non-guaranteed and do not represent the upper and lower limits on the investment performance of the selected funds. The actual benefits payable will vary according to the future performance of the selected funds. Past performance or any forecasts are not necessarily indicative of the future or likely performance of your selected funds.
8Dividend means payment of distribution under certain funds. Etiqa has the sole discretion to determine the distribution payable for the units in that fund; the rate and frequency of such payment of distribution; and/or the method of distribution. Please refer to policy contract for more information.
9Please see the figures below for illustrated values based on the illustrated rate of return of 4% per annum.
- Age 63: Illustrated account value before payout option change is S$171,610. Annual dividend ranges between S$4,277 to S$4,619 from age 63 to age 85 (23 years).
- Age 86: Death benefit is S$158,362. Total dividend paid is S$102,306. The total death benefit and dividends are S$260,668.
Download Brochures
- This promotion is only applicable for policies signed between 5 August 2025 and 5 November 2025 and issued by 5 December 2025.
- Eligible sign-ups will be entitled to an additional start-up bonus on the regular premium paid (refer to the table below) in the first policy year.
- This promotion is applicable for all premium payment terms and payment mode selection.
- Policies that are not taken up or cancelled during the free look period shall not qualify for this promotion. Any start-up bonus which was paid to customer(s) will be clawed back.
- Etiqa shall not be liable to any applicant or any party, whether in contract or tort (including negligence) or otherwise, for any liabilities, losses and damages, claims, costs and expenses or for any special or consequential damages or losses in connection with, related to or resulting from this promotion.
- Etiqa reserves the right to change the terms and conditions of this promotion without prior notice.
- All decisions made by Etiqa on this promotion shall be final and binding on all persons.
| Premium Payment Term | Annualised Regular Premium | Additional Start-up Bonus Rate (per annum) |
| 10 Years – Flexi 3 | S$4,800 – S$9,599 | 4% |
| S$9,600 and above | 7% | |
| 10 Years – Flexi 5 | S$4,800 – S$9,599 | 4% |
| S$9,600 and above | 7% | |
| 20 Years | S$2,400 to S$4,799 | 12% |
| S$4,800 and above | 20% |
Age means the age at next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group.
Invest vista is an investment-linked Plan (ILP) which invests in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s). ILP sub-funds herein refer to Shariah-compliant ILP sub-funds.
A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from us via https://www.etiqa.com.sg/portfolio-funds-and-ilp-subfunds. 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(s).
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the
surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. This content is for reference only and is not a contract of insurance.
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 us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is accurate as at 5 August 2025.
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