Etiqa eFUTURE Pay Presto Review

The complete Pros and Cons on Etiqa eFUTURE Pay Presto

Etiqa eFUTURE pay presto product details

  • Life policy – Annuity
  • Guarantees you a monthly retirement income for 10 years starting from one month after the selected retirement age
  • Depending on your personal preferences, you can select from the following retirement ages: 55, 60 or 65
  • Capital is guaranteed once you reach your selected retirement age
  • Limited premium payment term of either 5 years or 10 years
  • This plan can potentially provide returns of up to 4.20%* per annum upon maturity
  • Guaranteed issuance policy
  • Offers death protection throughout the policy term even when you are receiving your guaranteed monthly retirement income
  • You can either collect full lump sum, do a partial withdrawal or receive monthly retirement income once you reached selected retirement age

Read about:  Why your retirement planning starts now

Read about3 best Retirement plans and Annuity policies in Singapore (2023 Edition) *Updated*

Features of Etiqa eFUTURE pay presto at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

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Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

eXTRA cancer waiver

Additional Features and Benefits


For further information and details, refer to Etiqa website. Alternatively, fill up the form below and let us advise accordingly.

Read aboutHow can I accumulate a million dollar (Realistically)

Read aboutEffects of compounding returns on your investments

Etiqa eFUTURE Pay Presto may be suitable if you are looking for

Etiqa eFUTURE Pay Presto may potentially be a good fit if the following matters to you:

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  • Regular cash payout
  • Lump sum payout upon maturity
  • Saving regularly over a period of time
  • Insurance options without medical underwriting
  • Do not need access to the funds until retirement
  • To potentially generate higher financial returns compared to bank accounts

Etiqa eFUTURE Pay Presto may not be suitable if you are looking for

Etiqa eFUTURE Pay Presto may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • A one-time premium commitment with no further cash commitment
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Read about3 things to consider before taking up a new financial product

Read about: The Complete Guide to Retirement Planning (2023 Edition) *NEW*

Further considerations on Etiqa eFUTURE Pay Presto

  • How is Etiqa or Etiqa eFUTURE Pay Presto investment returns based on historical performance?
  • How does Etiqa eFUTURE Pay Presto compare with Endowment policy from other insurance companies?
  • Can Etiqa eFUTURE Pay Presto fulfill my financial, insurance, health and protection needs?

The above information may not fully highlight all the product details and features on Etiqa eFUTURE Pay Presto. Talk to us or seek advice from a financial adviser before making any decision about Etiqa eFUTURE Pay Presto.

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Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Where can I compare the payout and benefits of retirement plans and annuity policies?

Your retirement plans are meant to supplement your lifestyle and expenses in your golden years. Ensure your retirement plans matches the financial goal and objective you wish to achieve when you decided to talk a step back in life.

It is too late to regret once you have made your financial commitment. Specific products features, benefits and payout will differ more than you think across insurance companies.

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Matching your profile…

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Your current age is closest to:

Your gender is:

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Understanding your retirement needs…

Your expected monthly retirement income and retirement age will determine the insurance premium payable.

You plan to save for a period of:

Your desired monthly income upon retirement:


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Finding you the best retirement income plan...

Choose the starting payout age of your retirement income plan (currently only available for age 65).

Your retirement income payout age:

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And even worse, to know you can compare retirement plans and annuity policies here,  100% free of charges on the platform.

Is Etiqa eFUTURE pay presto suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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Personalised retirement income plans

Get your perfect retirement plan!

3 easy steps for your customised retirement income plan based on your financial needs.

Step 1: Getting to know you…

Let's start with your personal profile. Please note that your current age and gender will affect the insurance premium payable for your retirement plan.





Step 2: Understanding your retirement needs…

Please select your desired retirement income and the payout age for your retirement plan from the selections below:

What is your ideal monthly retirement income?

What is your ideal retirement age?


Step 3: Finding the best retirement plans for you! team of financial planners will compare and provide you with the best retirement plans based on your inputs.



Please check your inbox for an e-mail of your savings needs.

We will be in contact with you within 24 hours.

Personalised retirement income plans


Before you go...
Etiqa eFUTURE Pay Presto may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!


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