Register now to stack these rewards:

S$20 cash when you meet with Etiqa + Up to S$2,500 cashback when you purchase

Look forward to potential higher returns

Have a longer time horizon and higher risk appetite?

An investment-linked plan (ILP) could help you generate potentially higher returns while giving you insurance protection.

Invest builder from Etiqa, a regular premium ILP designed to meet your wealth accumulation needs and get you future-ready, is exactly that.

Enjoy these benefits with Etiqa Invest builder

Start-up bonus for first 2 years

Up to 64% of premium1 given to you in the form of additional units.

Additional bonus

Get 0.1% p.a. of account value1 from policy year 6 to 10.

Loyalty bonus

Get 2.0% p.a. of account value1 from policy year 11 onwards.

Easy access to reputable funds

Just S$200 per month2 to start investing.

Hassle-free application

No medical check-ups required for the basic plan.

Free and unlimited fund switching

Switch portfolio funds and ILP sub-funds anytime without charges3 depending on market conditions.

Life contingency benefit

Make partial withdrawal at no charge, or stop paying premiums when retrenchment, critical illness or other life contingency events happen4.

Optional premium waiver rider

Add on Extra secure waiver rider to pay for premiums if diagnosed with any of the covered 37 severe-stage critical illnesses.

Death benefit

Get a payout that is higher of 105% of net premiums5 or account value, less any outstanding amount.

Enjoy up to S$2,500 cashback when you start investing today

Terms and conditions apply.

How it works

Ashton, age 30, non-smoker

Looking for: 

  • An investment-linked plan which provides insurance coverage and wealth accumulation for his retirement

Opts for: 

  • Invest builder with a premium payment term of 20 years and monthly premium of S$400

Age next birthday. Policy fees and charges apply. Please refer to the policy contract for full details of the terms and conditions.
The scenario(s) above are for illustration purposes only.

*The above illustrated values are based on illustrated investment rate of return of 8% per annum. Should the illustrated investment rate of return be 4% per annum (p.a.), the illustrated policy value would be S$174,643 at age 65. The two rates, 4% p.a. and 8% p.a., are used purely for illustrative purposes only, are non-guaranteed and do not represent the upper and lower limits of 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.

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The team is ready to assist you with any queries. Share your details, and Etiqa will reach out by the next working day, or start an instant WhatsApp chat with them. 

Useful Information

Product summary:

  Invest builder

Product brochure:

  Invest builder

Understand the details before buying

Footnotes

1. Subject to applicable terms and conditions.

2. Based on the minimum regular premium amount for a premium payment term of 20 years.

3. Etiqa reserves the right to revise the fund switch charges (if applicable) by giving 30 days’ written notice.

4. Please refer to the policy contract for terms and conditions and the covered life contingency events.

5. Net premium refers to the total premium paid plus top-up(s), less any partial withdrawal.

Click here for the terms and conditions for the up to S$2,500 cashback promotion

Click here for the terms and conditions for the "Meet with an Etiqa Assurance Manager " promotion.

Click here for the terms and conditions for additional 5% Bonus Top-up promotion

Disclaimer

Terms and conditions apply.

As an introducer, Singtel is not permitted to give advice or provide recommendations on any investment product to you; or arrange any contract of insurance in respect of life policies, other than to the extent of carrying out introducing activities. Singtel may be remunerated by Etiqa Insurance Pte. Ltd (UEN: 201331905K) (“Etiqa”) for each successful referral. Singtel will disclose the amount of the successful referral remuneration it receives from Etiqa in respect of your referral if requested by you. Please direct all insurance enquiries to Etiqa (https://www.etiqa.com.sg/).

This policy is underwritten and distributed by Etiqa. 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.

Invest builder is an Investment-linked Plan (ILP) which invests in ILP sub-fund(s). Investments in these plans 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).

A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from Etiqa 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. 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 Etiqa 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 21 February 2025. 

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