eSAVE Advance

esave advance esave advance

eSAVE advance

Enjoy protection with financial flexibility to expand your wealth without worries.

It’s always though to decide to put aside savings for the future or live fully in the present.
With eSAVE advance, a first-of-its-kind whole life insurance savings plan by Etiqa, you can do both.

Policy Term

To age 100

Premium Term

Single Premium
(minimum S$30,000)

Product Type

Whole Life Insurance


Protection with a single premium payment
With a single premium payment, be protected against death till age 100. You will receive a death benefit of 106.8% of the account value.
Flexibility for top-ups or withdrawals to meet your lifestyle needs while you save
Withdraw from your account without penalty or interest claw back 90 calendar days after policy issued date.
Attractive crediting rates
Enjoy guaranteed 1.80% p.a. crediting rate for the first 3 years. Thereafter, crediting rate will be according to prevailing market rates, with your capital guaranteed.
Hassle-free Application
Your application will be fast and easy. Health checks are not required with this guaranteed issuance plan.

Here’s How It Works

  • DAY


    Start your insurance savings from S$30,000 – S$500,000

    Earn interest from Day 1 at 1.80% p.a. Stay protected with death benefit at 106.8% of account value.

    Actions you may take:

    Ad-Hoc Top-ups1: You may perform a one-off top-up of a minimum of S$500 and in increments of S$500 per top-up.

    Monthly Recurring Savings1: You can set a consistent monthly top-up from a minimum of S$500 per recurring top-up request, in increments of S$500.

    For policies where the single premium is below S$200,000, you can top up to a maximum contribution of $200,000 (single premium & all top-ups) per policy. For policies where the single premium is equal or above $200,000, no further top-up is allowed.

  • DAY


    Withdrawal flexibility

    You are now able to do partial withdrawal after 90 calendar days. A nominal service fee would apply if your average daily account value for the policy month falls below S$5,000.

    Actions you may take:

    Withdrawals: Minimum S$500 and in increments of S$500 per withdrawal, with no penalty or interest claw back.

  • YEAR


    Receive loyalty bonus

    An illustrated bonus of 0.3% of the average monthly account value for the past 36 policy months will be given every 3 years, if no withdrawal has been made before.

    From 4th policy year, earn interest on a monthly basis according to prevailing market rates, with full capital guaranteed.

  • 1The crediting rate for top-ups will be determined by us based on prevailing market conditions.

Important Notes:

Age means the age at 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.


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 are recommended to read the Product Summary, Policy illustration and policy document for the exact terms and conditions, specific details and exclusions applicable to this insurance product that can be obtained from any of our product distributors; and seek advise from a financial adviser before deciding whether to purchase the policy. In the event that you choose not to seek advise from a financial adviser, you should consider whether the policy is suitable for  you and meets your needs in your objectives, financial situation and particular needs.


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 website ( or


This advertisement  has not been reviewed by the Monetary Authority of Singapore
Information is correct as at 7 November 2019.