Invest flex pro
Grow your wealth for a brighter financial future with Invest flex pro, starting from as low as just S$2001 monthly with our regular premium investment-linked plan. Tap on top reputable funds to enjoy holistic protection benefits and build a meaningful legacy for your family tomorrow.
Receive up to 20% additional Bonus Top-up on 1st year premium*
for all eligible sign-ups by 5 August 2025
Receive up to 20% additional Bonus Top-up on 1st year premium* for all eligible sign-ups by 5 August 2025
*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
Enhance your investment with multiple bonus units
- Accelerate your returns with a start-up bonus of up to 55%2 in your first year of investment.
- Enjoy a 3% special bonus of regular premium paid from as early as your 6th policy year3 onwards.
- Stay committed to your investment goals and receive a loyalty bonus of 0.1%4 p.a. of your account value at the end of your premium payment term.
Flexibility to match your evolving goals and needs
- Choose your premium term between 10 Years – Flexi 3, 10 Years – Flexi 5 and 20 Years.
- Take a break from premium payments without incurring charges while your policy continues to grow with our premium-free period benefit5.
- Access your funds while keeping your policy in force with 2 free partial withdrawals from your 4th policy year in times of need.
- Increase your investment value with the option to top-up your premiums.
Protect your loved ones from life’s uncertainties
- Be covered against death and terminal illness at the higher of 101% of total premiums paid6 or regular premium account value.
- Protect your investment in tough times with our premium waivers. With Extra secure waiver II, continue your policy without paying premiums if the life insured is diagnosed with any of the 37 covered severe-stage critical illnesses. With Extra payer waiver II, continue your policy without paying premiums upon death, total and permanent disability or diagnosis of any of the 37 covered severe-stage critical illness of the policyholder (before age 86).
Notes
- Based on premium term of 20 years.
- 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.
- 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.
Etiqa’s Portfolio Funds and 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 these Portfolio funds, and 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
Moderate
Medium Risk
Friendly for:
- Medium risk taker
- Looking for moderate returns
- Tolerance for some unpredictable fluctuations
Growth
High Risk
Friendly for:
- High risk taker
- Looking for capital growth
- Tolerance for sharp fluctuations
Aggressive
High Risk
Friendly for:
- Higher risk taker
- Looking for maximum long term growth
- High tolerance for fluctuations
ILP Sub-Funds
- Alliance Bernstein American Income Portfolio Fund
- Abrdn All China Sustainable Equity Fund
- Abrdn Global Dynamic Dividend Fund
- Allianz Income and Growth Fund
- 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”) European Equity Income Fund
- BlackRock Global Funds (“BGF”) ESG Multi-Asset Fund
- BlackRock Global Funds (“BGF”) World Technology Fund
- Capital Group American Balanced Fund
- Eastspring Japan Dynamic Fund
- Finexis Millenium Equity Fund
- First Sentier Bridge Fund
- FSSA Dividend Advantage Fund
- FSSA Regional China Fund
- Fullerton Asia Absolute Alpha Fund
- Fullerton SGD Income Fund
- Fundsmith Equity Fund
- LionGlobal Infinity Global Stock Index Fund
- LionGlobal Singapore Dividend Equity Fund
- LionGlobal Singapore Trust Fund
- Maybank Asian Equity Fund
- Maybank Asian Growth and Income Fund
- Maybank Asian Growth and Income-I
- Maybank Asian Growth and Income (DIST)
- Maybank Asian Growth and Income-I (DIST)
- Maybank Asian Income Fund
- MAMG Global Sukuk Income-I
- Nikko AM ARK Disruptive Innovation Fund
- Pictet Premium Brands Fund
- PIMCO Income Fund
- PineBridge International Funds – Singapore Bond Fund
- SCHRODER AS COMMODITY A ACC SGD-H
- United Global Healthcare Fund
- United SGD Money Market Fund
- United Singapore Bond Fund
Here's how Invest flex pro works
Sarah, age 30, non-smoker is looking for an investment-linked plan that will grow her wealth and provide insurance coverage. She signs up for Invest flex pro with a payment term of 10 Years – Flexi 3 at S$800 in monthly premiums. Sarah decides to invest her premiums in dividend-paying funds, and reinvest her dividends7. She is protected with a basic policy sum assured equal to the higher of 101% of net premiums6 paid or 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 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, 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.
7Dividend 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 information.
8Please 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$171,628. Annual dividend ranges between S$4,278 to S$4,619 from Age 63 to Age 85 (23 years).
- Age 86: Death benefit is S$158,380. Total dividend paid is S$102,317. The total death benefit and dividends are S$260,697.
Download Brochures
- This promotion is only applicable for policies signed between 6 May 2025 and 5 August 2025 and issued by 5 September 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 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.
| 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 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.
Invest flex pro 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-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 6 May 2025.
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