eSAVE flexi

Get guaranteed yearly cash benefits while you save. Now you can have your cake and eat it too!

    • Policy Term

    • 15 years

    • Premium Term

    • 15 years

    • Product Type

    • Endowment Plan


13 Guaranteed Yearly Cash Benefits

  • Receive guaranteed yearly cash benefits, equivalent to 5% of the sum insured, from the end of year 2.
  • Option to accumulate these cash benefits at a non-guaranteed rate of 3% p.a.

Guaranteed Maturity Benefit

Receive a total guaranteed maturity benefit (including all guaranteed yearly cash benefits) equivalent to 120% of sum insured.

Extra protection against life’s major twists

Receive the sum insured in one lump sum upon death or total and permanent disability or terminal illness (before age 71). When needed, we also provide a cash advance for immediate funeral expense financial aid.

Guaranteed Insurability Benefit (GIB) available

Guaranteed approval of a new term or endowment policy regardless of health status, on up to any 2 of these key life events:

  • Getting married
  • Having a child / legally adopting a child
  • Graduating from tertiary education

Enhance your coverage

eXTRA secure waiver

Continue the policy without paying premiums if the life insured is diagnosed with a critical illness.

eXTRA payer waiver

Continue the policy without paying premiums until the life insured reaches age 25 upon the payer’s death, diagnosis of total and permanent disability or a critical illness.

eXTRA accident cover

Receive an extra cash payment if life insured suffers injury or death due to an accident. Additional option is available to cover medical expenses and weekly income due to accident.

eXTRA essential

Receive an extra lump sum cash payment upon death or in the event of terminal illness before age 71 of the life insured.

Here’s How It Works

Clara (age next birthday 35, non-smoker) has a 5-year old son Jaden. Wisely planning to set aside money for Jaden’s university education, Clara takes up an eSAVE flexi policy with a sum insured of $50,000. When Jaden reaches age 20, a lump sum will be ready for his university fees.

Clara receives her Guaranteed Cash Benefit from end of year 2.

Clara reinvests her 13 annual Guaranteed Cash Benefits with us at a non-guaranteed interest of 3% per annum.

The scenario(s) above are for illustration purposes only.

* The above illustrated values use bonus rates assuming an illustrated investment rate of return of 4.75% per annum. Assuming an illustrated investment rate of return of 3.25% per annum, the total maturity payout received from eSAVE flexi under Scenario 1 and 2 are S$81,822 and S$85,448 respectively and the total illustrated yield at maturity under Scenario 1 and 2 are 0.68% per annum and 0.98% per annum respectively.  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 your participating policy.

Downloads & Forms

Important Notes:

Age means the age at next birthday.

This product is covered under PPF Scheme.

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.

Buying a life insurance policy is a long-term commitment. Early termination of the policy usually involves high costs and the surrender value (if any) may be less than the total premium paid.

Information is correct as at 2 July 2018.

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