Invest Builder

Receive an exclusive additional 5% Bonus Top-up on 1st year premium*
for all eligible sign-ups by 30 September 2022.

*Please refer to the full T&Cs here.

 

Easy Invest, Better Rewards.

A regular premium investment-linked insurance plan that is designed to meet your wealth accumulation needs.

Policy Term

To Age 100

Premium Term

3, 5, 10 to 20 years

Product Type

Investment-Linked Plan

Features

  • Multiple bonus units to boost your investment
  • - Enjoy start-up bonus1 of up to 64% of premium in your first 2 years of investment.
    - Loyalty bonus1 of 2.0% p.a. of account value from policy year 11 onwards.
    - Additional bonus1 of 0.1% p.a. of account value from policy year 6 to 10.
  • Access to exclusive reputable funds
  • Including institutional funds from as low as S$200 per month2
  • Free and unlimited fund switching
  • Flexibility to switch portfolio funds and ILP sub-funds3 at any time without charges.
  • Life contingency benefit
  • Flexibility to make partial withdrawals at no charge4 or take a break from paying premiums4 upon a covered life contingency event.
  • Hassle-free application
  • Guaranteed issuance policy; no health checks needed.
  • Death coverage
  • Be covered against death at the higher of 105% of net premiums5 or account value less any outstanding amounts.
  • Flexibility to enhance your coverage with Extra secure waiver rider:
  • Continue your policy without paying premiums, upon the life insured’s diagnosis of any of the 37 severe-stage critical illnesses.

1Subject to applicable terms and conditions.
2Based on the minimum regular premium amount for a premium payment term of 20 years.
3We reserve the right to revise the fund switch charges (if applicable) by giving thirty (30) days’ written notice.
4Please refer to policy contract for terms and conditions.
5Net premium refers to total premium paid plus total top-up(s) less any partial withdrawal(s).

Portfolio Funds and ILP Sub-Funds

We’ve curated these Portfolio funds to match your risk level with a mixture of different ILP sub-funds.

Portfolio Funds

Conservative

LOW RISK

Friendly for:

  • Low risk taker
  • Looking for stable returns
  • Tolerance for low volatility
80% Fixed Income
20% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 30%
Global Investment Grade Credit Fund 5%
Asian Tiger Bond Fund 45%
Infinity Global Stock Index Fund 20%

Moderate

MEDIUM RISK

Friendly for:

  • Medium risk taker
  • Looking for moderate returns
  • Tolerance for some unpredictable fluctuations
40% Fixed Income
60% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 21.4%
Global Investment Grade Credit Fund 5%
Asian Tiger Bond Fund 8.6%
Emerging Markets Bond Fund 5%
Infinity Global Stock Index Fund 60%

Growth

HIGH RISK

Friendly for:

  • High risk taker
  • Looking for capital growth
  • Tolerance for sharp fluctuations
20% Fixed Income
80% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 2.5%
Global Investment Grade Credit Fund 2.5%
Asian Tiger Bond Fund 11.9%
Emerging Markets Bond Fund 3.1%
Infinity Global Stock Index Fund 80%

Aggressive

HIGH RISK

Friendly for:

  • Higher risk taker
  • Looking for maximum long term growth
  • High tolerance for fluctuations
100% Equities
More details i ILP Sub-Funds Allocations
Infinity Global Stock Index Fund 100%

ILP Sub-Funds

AB American Income Portfolio
Abrdn All China Sustainable Equity Fund
Allianz Income and Growth Class AM (H2-SGD) Dis
Baillie Gifford Worldwide Asia ex Japan Fund
Baillie Gifford Worldwide Health Innovation Fund
Baillie Gifford Worldwide Long Term Global Growth Fund
BlackRock Global Funds (“BGF”) ESG Global Bond Income Fund
BlackRock Global Funds (“BGF”) ESG Multi-Asset Fund
BlackRock Global Funds (“BGF”) World Technology Fund
Fullerton Lux Funds – Asia Absolute Alpha
Fullerton SGD Income Fund

Infinity Global Stock Index Fund
LionGlobal Singapore Dividend Equity Fund
LionGlobal Singapore Trust Fund
Maybank Asian Growth and Income Fund
Nikko AM ARK Disruptive Innovation Fund
PIMCO Income Fund
PIMCO Low Duration Income Fund
PineBridge International Funds – Singapore Bond Fund
United Global Healthcare Fund
United SGD Money Market Fund
United Singapore Bond Fund

How it works

Speak to an adviser today

You can speak to an adviser by completing the form below to customise your protection needs:

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Promotion terms and conditions:

  • This promotion is only applicable for policies signed between 1 July 2022 and 30 September 2022 and issued by 31 October 2022.
  • Eligible sign-ups will be entitled to an additional 5% start-up bonus on the regular premium paid in the first policy year and this applies to all premium amounts and premium payment terms.
  • 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.
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.

Invest builder 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).

A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from us via www.etiqa.com.sg/invest-builder/. 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. 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 (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 7 April 2022.​