Invest Wealth Purpose
Your investment journey deserves a plan that supports what matters most to you. Invest Wealth Purpose is a Shariah-compliant regular premium investment-linked plan designed to align your financial plans with a values-led approach to investing.
With access to Shariah-compliant funds, flexible premium terms, and rewards that recognise your commitment, Invest Wealth Purpose offers a considered way to invest while safeguarding the people and priorities that are important to you.
Product type
Investment-Linked Plan
Policy term
To 100
Premium term
3, 5, 10, 15 or 20 years
What you can get
Begin with more. Continue with rewards.
- Accelerate your investment early. Receive a start-up bonus of up to 75%1 in your first year to get more out of your contributions from day one.
- Receive additional rewards. Earn a 3% special bonus on your regular premiums from as early as your sixth policy year2,3.
- Enjoy ongoing recognition. Receive a 0.1% per annum loyalty bonus3 on your account value once your premium term ends as a reward for your consistency.
Your plan, your pace.
- Choose what fits your goals. Pick a premium term between 3, 5, 10, 15 and 20 years to align with your financial plans.
- Take a pause when needed. Enjoy a premium-free period3,4 that keeps your policy growing even when you take a break.
- Access your funds when it matters. Make two free withdrawals3 each year from your 4th policy year onwards to help manage life’s unexpected moments.
- Add more when ready. Top up your premiums anytime to build your investment further when opportunities arrive.
Investing that aligns with what matters.
Build your investment with access to Shariah-compliant funds that reflects the values important to you.
Protection beyond investing
- Coverage that protects your loved ones. Receive the higher of 101% of total premiums paid5 or your regular premium account value in the event of death or terminal illness.
- Continued assurance. With Extra secure waiver II – t, your policy continues without premium payments if the life insured is diagnosed with any of the 37 covered severe-stage critical illnesses.
Create a legacy that reflects your values.
Make your investment matter.
For all regular premium Family Takaful plans launched from 1 August 2025, Etiqa donates 0.1% of first-year premiums to Community Chest, at no additional cost to policyholders.
- Certified Shariah-compliant by Financial Shariah Advisory and Consultancy (FSAC) of Pergas Singapore.
- End-to-end Shariah-compliant investing.
- With Takaful protection based on mutual assistance amongst policyholders.
- Contract based on Takaful principles.
- Suitable for Islamic wealth preservation and distribution solutions.
- 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, 15 and 20 years premium term. Special bonus period starts from 6th policy year, 11th policy year, and 16th policy year respectively.
- Please refer to the policy contract for details.
- Please note that utilising the premium-free period may result in lower projected account values and potentially deviate from your financial goals. You are encouraged to pay the full regular Premium term and only utilise the premium-period period during times of financial emergency.
- 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 Wealth Purpose works
Eden, age 45 and a non-smoker, wants to begin building his wealth purposefully while leaving a legacy for his family.
He chooses Invest Wealth Purpose with a payment term of 10 years, committing to an annual premium of S$10,000. He decides to invest in dividend-paying funds and reinvests any dividends7 to support the potential accumulation of his investment over time.
Eden benefits from basic protection coverage and takes comfort in knowing that his investment approach aligns with what matters to him.
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.
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 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).
Frequently Asked Questions (FAQs)
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 Wealth Purpose is Shariah-compliant under the concept of Wakalah (agency), Tabarru’ (donation) and Takaful (mutual guarantee).
For an additional Takaful protection, Invest Wealth Purpose offers a rider 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.
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 Wealth Purpose, 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 Wealth Purpose 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 Wealth Purpose.
In addition, this plan also underscores the elements of ethical and values-based investing, which are aligned with Shariah principles.
Download Brochures
Age means the age at the 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 Wealth Purpose 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-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 correct as of 11 February 2026.
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