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Invest smart flex II

Take charge of your financial journey with Invest smart flex II, a regular premium investment-linked plan that helps you grow your wealth while staying protected. Starting from just S$2001 a month, you can tap on reputable funds and enjoy built-in protection benefits – all in one flexible plan. Build towards your wealth goals today and leave a lasting legacy for your family tomorrow.

Home / Personal / Investments / Invest smart flex II

Product type

Investment-Linked Plan

Policy term

To 100

Premium term

10, 15 or 20 years

Key benefits

Multiple bonuses icon

Enhance your investment with attractive bonus units

  • Kickstart your journey with a start-up bonus of up to 60%2 in your first year of investment.
  • Earn a 3% special bonus of regular premium paid from as early as your 6th policy year3,4.
  • Stay invested and receive a loyalty bonus4 of 0.1% p.a. of your account value at the end of your premium payment term.
Flexibility to tailor the plan icon

Flexible options to suit your changing needs

  • Choose premium term that fits your goals: 10, 15 and 20 years.
  • Take a break from premium payments when needed, while your policy continues to grow with our premium-free period benefit4.
  • Make 2 free partial withdrawals4 from your 4th policy year to access your funds when life calls for it.
  • Top up your premiums anytime to grow your investment further.
Death coverage icon

Protection that goes beyond investing

  • Get protected against death and terminal illness, with coverage of the higher of 101% of total premiums paid5 or regular premium account value.
  • Enhance your protection with add-on riders:
    • 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.
    • Extra payer waiver II
      Ensure your policy stays active if the payer passes away, suffers total and permanent disability, or is diagnosed with any of the 37 covered severe- stage critical illnesses (before age 86).

Note: 

1 For policy with 20 years premium term.

2 For policy with 20 years premium term. Start-up bonus varies by premium term, please refer to the policy contract for more details.

3 For policy with 10 years premium term.

4 Please refer to the policy contract for details.

5 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.

Here's how Invest smart flex II works:

Adam, age 42, non-smoker is looking for an investment-linked plan that will grow his wealth and leave a legacy to his family. He signs up for Invest smart flex II with a payment term of 20 years at S$6,000 in annual premium. Adam decides to invest his premiums in dividend-paying funds, and reinvest his dividends6. He is protected with a basic policy sum assured equal to the higher of 101% of total premiums5 paid or regular premium 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 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.

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 information.

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$141,765. Annual dividend ranges between S$3,623 to S$3,814 from Age 65 to Age 77 (13 years).
  • Age 78: Death benefit is S$134,073. Total dividend paid is S$48,340. The total death benefit and dividends are S$182,413.

Download Brochures

Product Brochure: Invest smart flex II
Product Summary: Invest smart flex II
Policy Contract: Invest smart flex II
Product Summary: Extra secure waiver II
Policy Contract: Extra secure waiver II
Policy Contract: Extra payer waiver II
Product Summary: Extra payer 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.. 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 smart flex 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). ILP sub-funds herein refer to Shariah-compliant ILP sub-funds.

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. 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 accurate as at 14 October 2025.

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  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.