Invest purpose
Embark on ethical investing with Invest purpose, Etiqa’s values-based insurance solution that is designed for investing with a purpose. Invest purpose is a regular premium investment-linked plan designed to meet your wealth accumulation goals with added flexibilities.
Product type
Investment-Linked Plan
Policy term
To 100
Premium term
10 Years – Flexi 3, 10 Years – Flexi 5, 15 Years and 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 bonus when your premium term ends.
Access to Shariah-compliant funds
Start from just S$200 a month3 and gain access to reputable funds managed by regional and global asset management companies.
Flexibility to match your needs
- Choose your premium term: 10 Years – Flexi 3, 10 Years – Flexi 5 and 20 Years.
- Pause premiums without fees4 – 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.
Leave a lasting legacy
Gift or Wakaf6 your living and/or death benefits to loved ones or causes through beneficiary nomination.
Protect your loved ones from life’s uncertainties
- Be covered against death and terminal illness at the higher of 101% of total premiums paid5 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.
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 purpose 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.
- 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 purpose works
Jenny, a 40-year-old mother and non-smoker is looking for an investment-linked plan that will grow her wealth and provide insurance coverage. She signs up for Invest purpose with a payment term of 10 Years – Flexi 5 at S$800 in premiums per month. Jenny opts to invest her premiums in dividend-paying funds, and reinvest her dividends. She is protected with death benefit coverage equal to the higher of 101% of total premiums paid5 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% per annum under an illustrated investment return of 8% per annum, and 2.73% per annum under an illustrated investment return of 4% per annum.
The above illustrated values are based on an illustrated investment rate of return of 8% per annum. Illustrated values based on illustrated rate of return of 4% per annum are cited in the footnote. 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.
7Please 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$129,864. Annual dividend ranges between S$3,080 to S$3,492 from age 63 to age 85 (23 years).
- Age 86: Death benefit is S$113,901. Total dividend paid is S$75,590. The total death benefit and dividends are S$189,491.
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 details.
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Age means the age at next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group.
Invest purpose 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 1 September 2025.
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