Enrich flex plus, an endowment plan designed to help you save for the long term while enjoying the flexibility to support your key milestones in life. You also have the assurance that your policy will continue for your loved one with a secondary life insured option.
Enrich flex plus
Policy Term
Up to age 125
Premium Term
Single premium, 3, 5, 10, 15 or 20 years.
Product Type
Endowment Plan
Here’s what you can get
- Attractive returns for your savings needs
- Enjoy guaranteed maturity yield of up to 1.66% p.a. with potential total maturity yield of up to 3.96% p.a.1
- Protection over all walks of life
- Receive a lump sum payout upon death or terminal illness during the policy term, and additional payout upon accidental death (until age 80).
- Flexibility for key milestones in life
- Have the option to withdraw2 your accumulated cash value from the policy anytime you need it.
- No health check necessary
- Hassle-free with no health checks required for this guaranteed issuance basic plan.
- Policy continuity and ownership options
- Option to add another person as the secondary life insured so that your policy will continue for your loved one after you pass on.
- Flexibility with premium deferment
- You can request for a premium deferment2 for up to one year after the end of the 4th policy year (not applicable for single premium and 3-year premium term) if your policy has sufficient cash value.
- Lump sum benefit upon maturity
- You or your appointed secondary life insured can expect a lump sum benefit payout on the policy anniversary immediately before you reach 125 years old.
- Option to enhance your coverage with these add-on riders:
- Extra payer waiver II
- Extra secure waiver II
- Capital guaranteed
- Your capital is 100% guaranteed from as early as policy year 5 to 15, depending on your premium term.
1 Based on male, non-smoker aged 1, for single premium payment option. The illustrated value is based on illustrated investment rate of return of 4.25% p.a. Based on illustrated investment rate of return of 3.00% p.a., the total maturity yield will be 2.78% p.a. The two rates, 4.25% per annum and 3.00% per annum, are used purely for illustrative purposes and do not represent the upper and lower limits on the investment performance of the participating fund.
2 Please refer to the policy contract for full terms and conditions.
How it works
The scenario(s) above are for illustration purposes only.
3 The above illustrated values use bonus rates assuming an illustrated investment rate of return of 4.25% per annum. Assuming an illustrated investment rate of return of 3.00% per annum for Scenario 1, the total surrender value at age 60 and 75 is S$173,580 and S$249,946 respectively. Assuming an illustrated investment rate of return of 3.00% per annum for Scenario 2, the total surrender value at age 60, 70 and 80 is S$92,486, S$117,304 and S$149,970 respectively. The two rates, 4.25% per annum and 3.00% per annum, are used purely for illustrative purposes and do not represent the upper and lower limits on the investment performance of the participating fund. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund. Past performance or any forecasts are not necessarily indicative of the future or likely performance of the participating fund. Any withdrawal will reduce the long-term value of the policy.
Speak to an adviser today
You can speak to an adviser by completing the form below to customise your protection needs.
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Important Notes:
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.
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 correct as at 22 March 2023.