For advisors’ use only. Not for circulation to external parties including but not limited to customers.
Invest builder
A regular premium
investment-linked insurance plan
that is designed to meet your
wealth accumulation needs.
Multiple bonus units to boost Access to exclusive Free and unlimited
your investment reputable funds fund switching
Enjoy start-up bonus, loyalty bonus and from as low as S$200 per month1 Flexibility to switch funds at anytime
additional bonus. without charges2.
Life contingency benefit Protection during the No health check necessary
policy term
Based on the minimum regular premium amount for a premium payment term of 20 years.
1
We reserve the right to revise the fund switch charges (if applicable) by giving thirty (30) days’ written notice.
2
This policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K).
This content 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.
Invest builder is an Investment-linked Plan (ILP) which invests in ILP sub-fund(s). Investments in this plan 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 us via [Link]/invest-builder/. 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).
Protected up to specified limits by SDIC. Information is accurate as at 21 March 2022.
Invest builder Loyalty Bonus • Loyalty bonus of 2.00% p.a. of account value will be credited to your policy on each
policy year starting from the beginning of the 11th policy year till the end of the policy
term.
Premium Term • 3 Years
• 5 Years Additional Bonus • Additional bonus of 0.10% p.a. of account value (excluding all Top-up(s)) will be credited
• Regular premium between 10 to 20 Years to your policy from the beginning of the 6th policy year to the 10th policy year.
Unique Features • Life Contingency Benefit
Start-up Bonus - Waiver of premium shortfall charge of up to 12 months, if you choose to stop paying
Annualised Regular Premium premiums; OR
Premium
- Waiver of partial withdrawal charge of up to 15% of account value withdrawn
payment term
Tier 1 Tier 2 • Change of Life insured* (Where the Policy owner is a corporation, change of Life insured
is allowed without any limit on the number of changes. Where the Policy owner is an
individual, change of Life insured is only allowed once per policy term.)
SGD ($) SGD ($)
3 and 5 years 10,000 to 19,999 20,000 and above Withdrawal • Minimum partial withdrawal: S$500. The remaining account value must be at least
10 to 19 years 4,800 to 9,599 9,600 and above S$1,000.
20 years 2,400 to 4,799 4,800 and above
Fund Switch • Minimum fund switch: S$500
• If your current investment holdings is less than S$500, all the units will be switched out
Bonus Rate to the new ILP sub-fund / Portfolio fund.
Premium
payment term Tier 1 Tier 2
Fund offerings • Choice between 4 Portfolio funds and ILP sub-funds. Please refer to the fund list for
more details.
Year 1 Year 2 Year 1 Year 2
3 years 0% 0% 4% 0% Policy Charge • 2.30% p.a., payable throughout the policy term. The policy charge is to be deducted on
5 years 5% 1% 10% 2% each policy monthiversary.
10 years 10% 2% 20% 4%
Premium • Premium shortfall charge will be imposed for any missed regular premium payment.
11 years 11% 3% 22% 6%
Shortfall Charge
12 years 12% 4% 24% 8%
13 years 13% 5% 26% 10% Insurance Charge • The insurance charge is payable and deductible on each policy monthiversary
throughout the policy term. If the net sum at risk is lesser than or equal to zero, no
14 years 14% 6% 28% 12% insurance charges will be applicable.
15 years 15% 7% 30% 14%
16 years 16% 8% 32% 16%
Fund • The fund management fee varies for ILP sub-funds and Portfolio funds, which is set out
Management Fee in the respective Fund Factsheet and Product Highlights Sheet.
17 years 17% 9% 34% 18%
18 years 18% 10% 36% 20% Partial Withdrawal • Partial withdrawal charge will be imposed if there is a partial withdrawal made, prior to
19 years 19% 11% 38% 22% Charge the end of the premium payment term.
20 years 20% 12% 40% 24% Surrender charge will be imposed if there is a surrender any time, prior to the end
Surrender Charge •
of the premium payment term.
* Please refer to the policy provisions for more information.