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.


Join us as an Amber Member for FREE and refer friends to be rewarded with up to S$500 worth of GrabFood vouchers1


1Terms & Conditions apply.

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 an AMBER Member today and get rewarded with:

Up to S$500 worth of GrabFood vouchers1
when you refer friends to sign up for AMBER

1Click here to refer your friends now if you are already a member

Retire comfortably with a monthly income


Enjoy your desired lifestyle once you stop working with Enrich retirement. It provides monthly retirement income, with the choice of level or inflated payouts.

Together with holistic benefits and the flexibility to tailor the payouts to your needs, it makes your retirement so much more fulfilling.

Receive monthly retirement income consisting of guaranteed and non-guaranteed payout for 10 or 20 years, starting 1 month after the policy anniversary upon reaching your selected retirement age.

Choose from the following payout options based on your needs.


Receive a fixed amount of monthly retirement income payout. The payout amount will remain constant throughout the income payout period.
inflated payout


Receive an increment of 2% p.a. of the monthly retirement income payment, starting from the second policy year of receiving the monthly payout. The inflated monthly payout amount will remain constant throughout the policy year, until the next increment.
In addition, safeguard against Alzheimer’s Disease or Severe Dementia, Idiopathic Parkinson’s Disease, or osteoporosis with fractures with our Special Conditions Benefit. Receive a lump sum payout of S$10,000 should you be diagnosed with any of these diseases for the first time. A maximum of 2 claims can be made under this benefit. Payment on the Special Conditions Benefit will not reduce the death benefit of the policy.

If you prefer not to receive the monthly retirement income, you have the following options:

  • OPTION 1:

    Deposit the monthly retirement income with Etiqa at a non-guaranteed interest rate and receive the lump sum payout at maturity.

  • OPTION 2:

    Receive a partial lump sum through a partial surrender of the policy and receive a reduced monthly retirement income for 10 or 20 years, starting one month after the policy anniversary upon reaching your selected retirement age.

  • OPTION 3:

    Receive a full lump sum through a full surrender of the policy.

Choose your preferred retirement age of 60 or 65, and your preferred premium term of 2, 5 or 10 years.

Your capital is guaranteed once you reach your selected retirement age.

Enjoy greater financial security with lump sum maturity benefit, in addition to your monthly retirement income.

1.66% p.a. based on the illustrated investment rates of return of 4.25% p.a. and 3.00% p.a. respectively; and a guaranteed return of up to 1.01% p.a. upon maturity.

This is based on the illustration of a male, age 30, paying annual premiums for 5 years and with the option to receive the level monthly retirement income at the retirement age of
65 for 20 years.

Purchase Enrich retirement and receive:

$50 Etiqa eWallet credit1

Register Your Interest Now

By clicking the “Submit” button, you confirm that you have read and understood and hereby agree to be bound by the data protection and privacy statement of Etiqa Insurance Pte. Ltd. and its related corporations (collectively, the “Maybank Group”), as may be amended, supplemented and/or substituted by the Maybank Group from time to time. You also consent to the collection, use and disclosure of your personal data by the Maybank Group for follow-up regarding products and services that may be suited to your needs.

Age means the age at next birthday.

This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group.

This brochure is published for general information only. It does not have any regard to the specific financial or investment objectives, financial situation and the particular needs of any specific person who may read this document 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 are recommended to read the Product Summary, Policy Illustration and policy document for the exact terms and conditions, specific details and exclusions applicable to this insurance product that can be obtained from any of our product distributors; and seek advice from a financial adviser before deciding whether to purchase the policy. In the event that you choose not to seek advice from a financial adviser, you should consider whether the policy is suitable for you and meets your needs in light of your objectives, financial situation and particular needs

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 1 July 2021.

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