Invest flex prime II
Just as life changes, your financial plans should stay adaptable. Invest flex prime II is designed to keep pace, letting you invest for the long term while giving you the flexibility to pause contributions during unexpected life events.
You can access trusted, high-quality funds and enjoy rewards that recognise your commitment. The plan empowers you to build lasting wealth, stay protected and live confidently through life’s changes.
Receive up to 20% additional bonus top-up on 1st year premium*
for all eligible sign-ups
Receive up to 20% additional bonus top-up on 1st year premium* for all eligible sign-ups
*Please refer to the full T&Cs here.
Product type
Investment-Linked Plan
Policy term
To 100
Premium term
10 or 20 years
Key benefits
Boost your investment journey.
Take your dedication to building wealth further.
- Get a head start. Begin strong with a start-up bonus of up to 55%1 in your first year of investment, giving your investment an immediate lift.
- Keep your momentum. Enjoy a 3% special bonus of regular premium paid from as early as your sixth policy year2.
- Stay committed. Receive a loyalty bonus of 0.1%3 p.a. on your account value once your premium term ends.
Flexibility that fits your life.
Because life changes, your plan moves with you.
- Choose your path. Decide between premium terms of 10 Years – Flexi 3 , 10 Years – Flexi 5 and 20 Years, so your commitment aligns with your plans.
- Pause when life happens. Take a break from premium payments without incurring charges with our premium-free period benefit4.
- Stay in control. Access your funds while keeping your policy in force with 2 free partial withdrawals from your 4th policy year in times of need.
- Build at your own pace. Increase your investment value with the option to top-up your premiums.
Protection that stands by you
Ensure your loved ones and goals stay protected no matter what comes your way.
- Safeguard what matters most. Be covered against death and terminal illness at the higher of 101% of total premiums paid5 or regular premium account value.
- Stay protected through life’s challenges. With Extra secure waiver II, your policy continues even without premiums payments if the life insured is diagnosed with any of the 37 covered severe-stage critical illnesses.
- 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 only.
- Applicable to policy with 20 Years premium term only.
- 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.
Here’s how Invest flex prime II works
Linda, a 45-year-old female and a non-smoker is keen to start investing to begin her second-stage wealth accumulation. She is looking for an investment-linked plan that grows her wealth steadily while staying prepared for life’s uncertainties. She signs up for Invest flex prime II with a premium payment term of 10 Years – Flexi 5 and monthly premium of S$800.
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%, and 2.73% under an illustrated investment return of 4%.
The above illustrated values are based on 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 below. The two rates, 8% per annum and 4% 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.
The above illustration excludes any additional bonuses offered with campaigns or promotions.
6Dividend 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.
7Please see the figures below for illustrated values based on the illustrated rate of return of 4% per annum.
- Age 65: Illustrated account value before payout option change is S$113,746. Annual dividend ranges between S$2,701 to S$3,059 from Age 65 to Age 88 (24 years).
- Age 89: Death benefit is S$99,922. Total dividend paid is S$69,121. The total death benefit and dividends are S$169,043 (1.9x of premiums paid).
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Promotion terms and conditions
The Additional Start-up Bonus is a promotion. Please refer to the terms and conditions of the promotion below:
- This promotion is only applicable for policies signed from 10 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 You will be clawed back by any means We deem to be appropriate.
- We shall not be liable to You 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.
- We reserve the right to change the terms and conditions of this promotion without prior notice.
- All decisions made by Us 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 the next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group.
Invest flex prime II 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 https://www.etiqa.com.sg/portfolio-funds-and-ilp-sub-funds. 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. Full details of the policy terms and conditions can be found in the policy contract.
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 of 10 December 2025.
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