Better tomorrows begin today with Amber by Etiqa

Singaporeans look forward to retiring well

Top 3 aspirations Singaporeans have for retirement:

Going on holiday
Learning new hobbies/skills

What Singaporeans feel they need for a good retirement:

Physically healthy 98%
Mentally able 98%
Less dependent on others 97%

Topmost services Singaporeans need for retirement:


Social activities


Treatment for illnesses


Specialist care

Based on a 2020 YouGov survey commissioned by Etiqa.

Introducing the Amber Retirement Ecosystem

Whatever retirement you envision for yourself, we’re here to help you achieve it.

The Amber Retirement Ecosystem caters to your physical, mental and financial health




allows you to actively pursue passions such as travelling

Join us as an Amber Member and access the Amber Retirement Ecosystem

Body and mind go hand in hand, so staying physically fit and mentally active is important. As an Amber Member, you’ll have access to an extensive range of professional services and curated activities in the Amber Retirement Ecosystem. Simply search for what you need and schedule appointments on our self-service platform.


Nutrition programmes



A Connected, Dynamic and Transformative Healthcare Platform

MaNaDr service is only available for Etiqa customers with existing policies

Download Now

Our service providers in the Amber Retirement Ecosystem have been meticulously screened and selected for your convenience. You can enjoy these exclusive services at preferred rates.

Amber Member Benefits

Free registration

Access professional services and curated activities

Member rates for services

Enjoy exclusive promos, gifts and privileges

Join us as an Amber Member today and receive:


Amber Dollars1

for Amber Retirement Ecosystem services


Etiqa eWallet credit1

when you purchase ePREMIER retirement

Join us as Amber member today!

You deserve to retire comfortably.

It’s not enough to get by – you deserve to thrive in retirement. Planning for your dream retirement? We’ll walk with you every step of the way, from sowing the first seeds to reaping the rewards.

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Why Growing Your Wealth For Retirement Isn’t Enough If You Don’t Cover Your Downside Risk

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Why Growing Your Wealth For Retirement Isn’t Enough If You Don’t Cover Your Downside Risk

Building wealth for our retirement is one of the key areas of personal finance that is indispensable in Singapore. With the high cost of living and little welfare benefits for Singapore retirees, the onus is on us to grow our retirement nest egg during our younger, working days.

There are many popular ways that Singaporeans can build wealth for our retirement. These include topping up our CPF accounts, buying an investment property for rental income, investing in stocks and bonds or buying retirement insurance plans. All of these are different methods with their respective pros and cons that we can use to grow our wealth for our (early) retirement.

However, the strategy to grow our wealth for retirement isn’t just about accumulating assets to build the biggest possible nest egg. While that is part of the objective, it’s not the only objective.

If investing is plan A, then insurance is plan B

One of the biggest mistakes to avoid when we work towards wealth building is not covering our downside risk, especially in our younger, working days.

As a young working adult, the biggest asset we have today is our health. When we are young and healthy, we can work to provide a living for ourselves and our family. As long as we work, we can 1) take care of them financially and to 2) work towards our own retirement.

While there are many strategies that we can use to grow our wealth, none of these strategies would matter if an unexpected health incident or accident were to occur. Even the best investment strategies fail to hold up if we are unable to work.

What could go wrong?

Unfortunately, the answer to the question is…almost everything! As Murphy’s Law says, anything that can go wrong will go wrong. Factors like our physical health, ability to work, and lifespan may go beyond our control.

We Fall Sick: If we fall sick with a critical illness, we may not be able to work for a substantial period of time. According to 2017 Protection Gap Study done by the Life Insurance Association of Singapore (LIA Singapore), the recovery period for critical illness is assumed to take about five years. Assuming that the individual makes a full recovery from the illness and can return to the workplace, this still leaves the person with potentially about a 5-year period of inactive employment. This would, without question, disrupt any wealth building plans that we may have in place.

We Encounter Disability: An unfortunate accident may leave us with disability that affects our ability to work for the rest of our lives. If this happens, our financial plans will be heavily disrupted as we won’t be able to earn a living to provide for ourselves and our families, both in the present and for the future.

We Pass On: While passing away means we don’t need to bother about wealth that we have built for our future, we may have dependents who are reliant on our income (e.g. young children, elderly parents). If we pass on, our dependents may suffer financial hardship if we are no longer around to provide for them.

The concept here is simple. When we are still in our working years, we are unlikely to have built up the wealth that we need to provide for ourselves and our loved ones. If an accident or illness takes away our ability to work, we need to substitute with an alternative plan that can provide our family with the financial support that is needed.

Get your desired coverage at affordable premiums

To protect ourselves and our retirement plan against these risks, we can simply purchase an affordable term life insurance plan such as Etiqa’s Essential term life cover. Based on Etiqa’s Protection Survey Report 2021, it is revealed that millennials in Singapore do not know the cost of insurance with 3 in 4 of them overestimating the cost of term life insurance. However, with Etiqa’s Essential term life cover, we can enjoy a coverage of up to a million dollars for death and terminal illness from as low as S$0.381 a day. What’s more, enjoy the flexibility to select a policy term of your choice.

On the other hand, if you are looking at a plan which allows you to save up for retirement while providing whole life protection, Etiqa’s Essential whole life cover may be the one for you. Essential whole life cover is a limited-pay whole life protection plan designed to provide assurance to those who matter to you.

Lifetime protection with flexibility to enhance coverage

Besides providing us continuous protection against death, total & permanent disability and terminal illness, Etiqa’s Essential whole life cover offers us the choice to multiply our protection by up to 400% of the basic sum insured. In addition, our plan will continue to accumulate cash value and bonuses, while providing us with comprehensive protection throughout our lifetime.

Enjoy comfort in your golden years with our retirement option

With this plan, we also have the choice of receiving regular yearly payments2 to boost our retirement income starting from the policy anniversary immediately after age 65, for a period of 10 years.

For those who are keen to find out more about Etiqa’s term and whole life insurance plans, you can submit your enquiries

Don’t make the mistake of planning for your retirement without covering your downside risks!

1Premium is illustrated based on a 5-year renewable term plan for a male aged 1 year, non-smoker and a sum insured of S$1,000,000.

2Please refer to the policy contract for full details of the terms and conditions.

Important Notes:

Age means the age at next birthday.

This policy is underwritten by Etiqa Insurance Pte. Ltd..​ This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.​

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. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

​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 ( or

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

Information is correct as at 10 January 2022.

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