Compare savings & retirement insurance in 🇸🇬 Singapore

A retirement plan with a guaranteed income stream over 15 or 20 years, started without a medical check-up.

• •Guaranteed stream of income over 15 or 20 years
• •You choose the monthly income amount and the age it starts
• •No medical check-up needed to start

A Dash-exclusive savings plan with no lock-in — currently fully subscribed.

• •High returns of up to 1.8% p.a. for the first policy year
• •Guaranteed 1.5% p.a. plus a 0.3% p.a. bonus in the first year
• •Prevailing market rates in subsequent years, capital still guaranteed

The highest published potential yield in Etiqa Singapore's online range — and currently closed.

• •Potential yield of up to 4.07% p.a.
• •More than 100% capital guaranteed upon maturity
• •Death benefit of 105% of total premiums paid

A five-year tranche at 2.01% a year guaranteed — sold in tranches, so availability comes and goes.

• •Guaranteed maturity yield of 2.01% p.a. over 5 years
• •Fixed five-year term
• •Sold in tranches rather than continuously

Pay for seven years, then choose whether the maturity money arrives at once or over ten to fifteen years.

• •Pay premiums for just 7 years, capital fully guaranteed
• •Maturity payment as a lump sum at the end of the 12th policy year
• •Or as 10 or 15 yearly payments starting from the end of the 12th policy year

The Enrich that can outlive you: a secondary life insured keeps the policy running for the family.

• •Guaranteed maturity yield of up to 1.65% p.a., with potential total maturity yield of up to 3.95% p.a.
• •Lump sum on death or terminal illness during the policy term
• •Additional payout on accidental death, until age 80

The long Enrich: pay seven years, and pick a 15, 24 or 29-year policy depending on how you want paying.

• •Pay premiums for just 7 years and have capital 100% guaranteed
• •Lump sum payment on a 15-year policy term
• •Or 10 yearly payments on a 24-year policy term

Monthly income starting as early as the 37th policy month, and a lump sum for the family afterwards.

• •Monthly income, guaranteed and non-guaranteed portions, from as early as the 37th policy month
• •Income continues until the policy matures
• •Lump sum benefit at maturity, guaranteed and non-guaranteed portions

The only Enrich whose payout tracks an index rather than the participating fund.

• •Non-guaranteed Yearly Cash Benefits linked to the Barclays RADAR 6% RC SGD and USD indices
• •Single premium, or a 3-year premium term
• •Dynamic investment approach that adapts to market conditions

Choose retirement at 60 or 65 and payouts for 10 or 20 years, level or rising 2% a year.

• •Monthly retirement income, guaranteed and non-guaranteed portions
• •10 or 20 years of payouts from a chosen retirement age of 60 or 65
• •Level payout at a fixed amount, or an inflated payout rising 2% p.a. from the second payout year

Pay for three years, take cash yearly from year three, and get the capital back guaranteed at ten.

• •Pay premiums for only 3 years
• •Yearly cash rewards from the third policy year — take them or reinvest for potentially higher returns
• •Capital fully guaranteed at the end of 10 years

The shortest Enrich commitment: pay five years, take a lump sum after ten.

• •Pay premiums for just 5 years and receive a lump sum after 10 years
• •Capital guaranteed
• •No health checks required for the basic plan

The shortest Tiq endowment at three years — currently fully subscribed.

• •Three-year policy term
• •Sold in tranches rather than continuously

Etiqa's online endowment: capital guaranteed at maturity, from S$125 a month.

• •Capital guaranteed upon maturity
• •Lump sum payout at maturity
• •Guaranteed yearly cash benefits, plus non-guaranteed yearly cash benefits

2% a year guaranteed for six years, sold in tranches.

• •Guaranteed returns of 2% p.a. for the first 6 years
• •Sold in tranches rather than continuously

An endowment paying 4.30% of the sum assured every year from the second policy year, maturing five years after premiums end.

• •Yearly cash payouts of 4.30% of the basic sum assured from policy year 2
• •Payouts can be withdrawn or left to accumulate
• •Premium terms of 10, 15 or 20 years, maturing 5 years later

A regular-premium endowment from S$100 a month, issued without medical assessment.

• •Start from S$100 a month
• •Full capital protection at maturity on the 15-pay, 20-year term option
• •No medical assessment — guaranteed issuance

An endowment that starts paying cash from the end of the second policy year rather than holding everything to maturity.

• •Yearly cash benefit of 3% of the sum assured from the end of year 2
• •Monthly payout option where the sum assured is at least S$80,000
• •Payouts can instead accumulate at up to 3.00% p.a.

A retirement plan paying a monthly income stream, with the retirement date adjustable by up to five years either way.

• •Monthly cash benefit through retirement — a guaranteed amount plus a non-guaranteed bonus
• •Retirement age can be brought forward or pushed back by up to 5 years
• •Retrenchment support: 6 months of premiums waived, with an option to defer

A participating endowment accepted regardless of health, with capital guaranteed at maturity on yearly-paid policies.

• •Guaranteed acceptance regardless of health
• •Capital guaranteed at maturity for policies paid yearly
• •Death or terminal illness pays the higher of 105% of net premiums or 101% of cash value

A short-term single-premium endowment from LIC Singapore, sold alongside the two-year Capital Plus.

• •Single premium, non-participating endowment
• •Short fixed term — Wealth Plus runs 3 years, Capital Plus 2 years
• •LIC Singapore is a direct life insurer licensed here since 2013, wholly owned by LIC of India

An endowment paying 3% of face value each year from the second anniversary, for buyers with recurring annual commitments.

• •Guaranteed yearly cash benefit of 3% of face value from the 2nd policy anniversary
• •Cash benefits can be taken or left to accumulate
• •Premium terms of 5, 10, 15, 20 or 25 years

Prudential's mainstream endowment, with capital guaranteed at maturity and terms from 10 to 30 years.

• •Capital guaranteed upon maturity
• •Policy terms from 10 to 30 years
• •Single premium or regular premiums over 5 to 30 years

A participating whole life plan that pays a monthly cash benefit from the 49th policy month, for life.

• •Monthly cash benefit from the 49th policy month, continuing for life
• •Premiums paid over just 4 or 10 years
• •Monthly income can be accumulated with the insurer for interest