Invest Smart Vista
Invest with purpose with Invest Smart Vista, Etiqa’s values-based insurance solution. Invest Smart Vista is a regular premium investment-linked plan that offers flexibility and potential for higher returns, starting from just S$200 per month¹.
With Invest Smart Vista, you can grow your wealth with a vision, while enjoying comprehensive protection throughout the policy term. Secure your future and make a positive impact to the community today.
Product type
Investment-Linked Plan
Policy term
To 100
Premium term
10, 15 or 20 years
What you can get
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.
Access to Shariah-compliant funds
Start from just S$200 a month1 and gain access to reputable funds managed by regional and global asset management companies.
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.
Leave a lasting legacy
Gift or Wakaf6 your living and/or death benefits to loved ones or causes through beneficiary nomination.
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 – t: 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 – t: 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).
Make your investment matter. In the spirit of Takaful, Etiqa donates 0.1% of first-year premiums for all regular premium Family Takaful plans launched from 1 August 2025 to Community Chest – at no additional cost to policyholders. This contribution is made by Etiqa without affecting policyholders’ premiums or plan benefits.
Note: Invest Smart Vista is a Takaful product.
- Certified Shariah-compliant by Financial Shariah Advisory and Consultancy (FSAC) of Pergas Singapore
- End-to-end Shariah investing
- With Takaful protection based on mutual assistance amongst policyholders
- Contract based on Takaful principles
- Suitable Islamic wealth preservation and distribution solutions
- For policy with 20 years premium term.
- For policy with 20 years premium term. Start-up bonus varies by premium term, please refer to the policy contract for more details.
- For policy with 10 years premium term.
- Please refer to the policy contract for 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.
- Wakaf is an ongoing charity, a voluntary charitable endowment from one’s personal belongings or wealth in the form of cash/property for pious and religious causes.
Etiqa’s 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 a mixture of different ILP sub-funds.
Here's how Invest Smart Vista 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 Vista with a payment term of 20 years at S$500 in monthly premium. Adam decides to invest his premiums in dividend-paying funds, and reinvest his dividends7. 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.
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 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 (1.6x of total premiums paid).
Frequently Asked Questions
Takaful refers to the spirit of co-operation and joint responsibility amongst policyholders according to Shariah principles. Takaful is also suitable for wealth preservation and distribution solutions as part of the overall Shariah-compliant wealth management.
What is Shariah?
It refers to a set of principles under Islamic law. Takaful product(s) and its services comply with the Shariah principles. We manage and/or administer Takaful product(s) that are free from usury(riba) and non-permissible activities such as alcohol, pork, entertainment and tobacco industries.
Yes. It is Shariah-certified by an independent Shariah advisory body – Financial Shariah Advisory and Consultancy of Singapore Islamic Scholars & Religious Teachers Association (Pergas). Invest Smart Vista is Shariah-compliant under the concept of Wakalah (agency), Tabarru’ (donation) and Takaful (mutual guarantee).
For an additional Takaful protection, Invest Smart Vista offers riders to customers to stay covered in tough times with optional premium waivers. With Extra secure waiver II – t, premiums waived if the life insured is diagnosed with any of the 37 covered severe-stage critical illnesses. With Extra payer waiver II – t, premiums waived upon death, total and permanent disability or diagnosis of any of the 37 severe-stage critical illnesses of the policyholder (before age 86).
It is Shariah-compliant from the start where policyholder contributes monies into a segregated Takaful fund until the policy matures or upon payment of claims. The monies will be allocated and restricted to Shariah-compliant investments only. In addition, the Takaful principles are embedded in the key policy documents, namely Application Form, Policy Contract and Product Summary.
This plan is also subjected to review and approval by our Shariah advisory body who ensures that the product continuously complies with the relevant Shariah principles.
Shariah-compliant investments refer to funds that are not invested in any of the prohibited industries, including but not limited to, alcohol, adult entertainment, gambling, pork, weapons manufacturing and tobacco.
For Invest Smart Vista, only Shariah-compliant ILP sub-funds will be made available for subscription (including premium redirection and/or top-up(s)), redemption and/or fund switching.
From time to time, subject to demand and/or investment outlook, Etiqa may add and/or remove Shariah-compliant ILP sub-funds concurred by the Shariah advisory body. For the latest list of available Shariah-compliant ILP sub-funds, please visit Etiqa website.
Subject to policyholders’ financial needs, Invest Smart Vista is open for all. One does not have to be a Muslim to sign up for a Takaful plan and its coverage. Every customer will be able to enjoy all benefits and coverage under Invest Smart Vista.
In addition, this plan also underscores the elements of ethical and values-based investing, which are aligned with Shariah principles.
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Age means the age at the next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group.
Invest Smart Vista 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. 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 correct as of 16 December 2025
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