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Invest flex wealth II

Your financial journey deserves more than growth. It deserves reassurance. Invest flex wealth II helps you build lasting wealth while staying protected, every step of the way.

You can access trusted, high-quality funds and enjoy rewards that recognise your commitment. The plan adapts to your goals and safeguards what matters most, giving you the confidence to grow on your own terms. 

Home / Personal / Investments / Invest flex wealth II

Product type

Investment-Linked Plan

Policy term

To 100

Premium term

3, 5, 10, 15 or 20 years

Key benefits

Multiple bonuses icon

Stay strong. Stay rewarded.

Your consistency deserves recognition.
  • Accelerate your investment early. Receive a start-up bonus of up to 75%1 in your first year to give your portfolio a head start.
  • Stay the course. Earn a 3% special bonus on your regular premiums from as early as your sixth policy year2,3.
  • Be rewarded for commitment. Receive a 0.1% per annum loyalty bonus3 on your account value once your premium term ends.
Flexibility to tailor the plan icon

Flexibility made for real life.

Because life changes, your plan moves with you.
  • Choose what fits your goals. Pick a premium term between 3 years, 5 years, 10 years, 15 years or 20 years to match your milestones.
  • Pause when you need to. Enjoy a premium-free period that keeps your policy growing even when you take a break3.
  • Access your funds with ease. Make two free withdrawals3 from your fourth policy year onwards to manage unexpected needs.
  • Grow at your pace. Top up your premiums anytime to build your investment further.
Death coverage icon

Protection that gives you peace of mind.

Focus on your goals knowing that you and your loved ones are protected:
  • Coverage that protects your loved ones. Receive the higher of 101% of total premiums paid4 or your regular premium account value int he event of death or terminal illness.
  • Continued assurance. With Extra secure waiver II, your policy continues without premium payments if the life insured is diagnosed with any of the 37 covered severe- stage critical illnesses.
Note:  1 For policy with 20 years premium term. Start-up bonus varies by premium term, please refer to the policy contract for more details. 2 For policy with 10 years premium term. 3 Please refer to the policy contract for details. 4 Upon the death of the life insured while the policy is in force, the death benefit payable is the sum of:
  1. 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
  2. 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
Conservative pie chart
More Details

Moderate

Medium Risk

Friendly for:

  • Medium risk taker
  • Looking for moderate returns
  • Tolerance for some unpredictable fluctuations
Moderate pie chart
More Details

Growth

High Risk

Friendly for:

  • High risk taker
  • Looking for capital growth
  • Tolerance for sharp fluctuations
Growth pie chart
More Details

Aggressive

High Risk

Friendly for:

  • Higher risk taker
  • Looking for maximum long term growth
  • High tolerance for fluctuations
Aggressive pie chart
More Details
Find out more about our funds and check their prices

Here's how Invest flex wealth II works:

Max, age 45 and a non-smoker, wants to build his retirement fund. He signs up for Invest flex wealth II with a payment term of 10 years at S$10,000 in annual premium. Overt time, his discipline pays off. His investment grows with start-up, special and loyalty bonuses. He enjoys the flexibility to adjust his plan and the protection that keeps his loved ones secure.

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% p.a. 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.

5 Dividend 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.

6Please see the figures below for illustrated values based on the illustrated rate of return of 4% per annum.

  • Age 68: Illustrated account value before payout option change is S$129,496. Annual dividend ranges between S$3,331 to S$3,485 from Age 68 to Age 80 (13 years).
  • Age 81: Death benefit is S$123,300. Total dividend paid is S$44,302. The total death benefit and dividends are S$167,603(1.8x of premiums paid).

Download Brochures

Product Brochure: Invest flex wealth II
Product Summary: Invest flex wealth II
Policy Contract: Invest flex wealth II
Product Summary: Extra secure waiver II
Policy Contract: Extra secure waiver II
Annual Funds Report: 2024
Semi - Annual Funds Report: 2025
Age means the age at next birthday. This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group. Invest flex wealth 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-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 29 October 2025.
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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%

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%

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%

ILP Sub-Funds Allocations

Infinity Global Stock Index Fund 100%

Thank you for your application. Congratulations on insuring your new home! Please note that this complimentary home insurance policy is only successfully incepted when you receive your Policy Schedule and Welcome Letter from us. If you’d like to stack a higher coverage for your new home and a greater peace of mind, purchase Tiq Home Insurance with an exclusive 25% off with TIQRENO promo code.

Marketing Consent Terms & Conditions

  1. I consent to Etiqa and its related, its agents, authorised service providers and marketing partners collecting, using, disclosing, and/or processing my personal data, in order to contact me about products and services marketed by Etiqa or its partners as well as benefits, promotions and rewards, via the modes mentioned or selected, and using my contact particulars which Etiqa may have in its records from time to time (including where applicable my Singapore telephone number(s));
  2. I confirm and agree that my consents granted herein do not supersede or replace any other consents which I may have previously provided to Etiqa in respect of my personal data, and are additional to any rights which Etiqa may have at law to collect, use or disclose my personal data, unless my consent is withdrawn and notified to Etiqa.
  3. I can choose to withdraw my consent by submitting the Marketing Withdrawal Form at www.etiqa.com.sg or email to customer.service@etiqa.com.sg.

Personal Data Protection Terms & Conditions

I expressly authorise and consent to Etiqa, its officers and employees at their sole discretion, to disclose any and all information relating to me, including my personal particulars, my transactions and dealings and my policies of insurance with Etiqa, to any of the following persons, whether in Singapore or elsewhere:

  1. Etiqa’s related corporations or affiliates;
  2. Any of Etiqa’s contractors or third party service providers;
  3. Any regulatory, supervisory or other authority, court of law, tribunal or person, in any jurisdiction, where such disclosure is required by law, regulation, judgement or order of court or order of any tribunal or as a matter of practice;
  4. Any actual or potential assignee(s) or transferee(s) of any rights and obligations of Etiqa under or relating to my policy or policies for any purpose connected with the proposed assignment or transfer; and
  5. Any credit bureau, insurer or representative, for such purpose(s) that Etiqa in its reasonable opinion considers appropriate including but not limited to the purpose(s) of underwriting, customer servicing, investigation of Etiqa’s representatives and monitoring undesirable sales practices.

Eligibility Conditions

  1. The Insured, also known as the Applicant / Proposer, must be a Singapore citizen, Permanent Resident of Singapore or foreigner with a valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass.
  2. The Applicant/Proposer must be at least 18 years of age.
  3. For more information, please view our Policy Wording

Thanks for your interest.

Our Assurance Manager will reach out to you within 2 working days to assist you further.