At every different stage of our lives, each one of us would have different financial goals. To take you closer to your aspirations, the Ideal plan helps meet your financial needs and gives you control.
Just tell us how you want your policy to be tailored
- Want to save for 5, 10 years or more?
- Want to save for your child’s future, expand your retirement savings, and have your own home and car?
As and when you situation changes, you can either to choose or defer your savings.
Choice Of Large And Well-Diversified Funds |
8 Specialised Funds |
Prime, Trust, Enhanced, Amanah Equity, Amanah Bond, Technology, Japan Equity, European Equity |
4 Core Funds |
Global Bond, Global Equity, Singapore Bond, Singapore Equity |
3 Combined Funds |
Growth, Balanced, Conservative |
As at of 31 December 2004, a combined total asset of $4.5 billion under management of the investment-linked funds above would allow you to create your own investment mix based on your financial needs and risk appetite.
Over $3.5 billion of the Combined Funds in the Core Funds are invested in over 900 quality investments across different asset classes, regions and sector.
Managed by Reputable Fund Managers
You can be assured that all your investments will be in good hands as 9 top fund managers chosen in their expertise for their respective areas manage them.
Enjoy Better Returns with Low Fees
We have the lowest annual charges in the market, as it is the importance to look for funds that come with the lowest cost and provide greater returns. We place our policyholders’ interest at the foremost.
High Allocation Rate
From day 1, 100% of your premium will go straight into your investments.
* After deducting a minimal upfront policy fee
Flexible Investment Options
You can save regularly with a monthly minimum of $100, top up your savings or defer them temporarily without penalties to meet any emergency needs. Your investment mix can be change anytime to fit your risk profile and your changing financial needs.
Extra Protection
Provide your family needs and financial goals at the same time as affordable insurance riders can be paid under our Family Insurance plan separately.
Personalized Plan
Each Ideal Plan can be personalizes by naming your financial goals or needs. Separate policy can also be taken for different financial needs to avoid confusion.
Example:
To secure your child’s future
Saving $200 a month for your child over 20 years (assuming an average return of 6% p.a.), the saved amount of $75,000 could be used to pay for your child’s tertiary education and marriage.
We are the highest-rated domestic insurer in Asia with “AA” rating by Standard & Poor's.
As the rates used for the benefits illustrated above are not guaranteed, the actual benefits payable may vary according to the future experience of the funds.
An early termination of the investment-linked policy usually involves high costs and the surrender value payable may be less than the total premium paid.
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