Etiqa Enrich flex plus Review

The complete Pros and Cons on Etiqa Enrich flex plus

Etiqa Enrich flex plus gives you flexibility in an endowment plan. You can make withdrawals as early as from the 6th year onwards. This endowment plan will serve you and your family up till age 125.

Etiqa Enrich flex plus product details

  • Life policy – Endowment and Saving policy
  • Flexible Premium Terms
    • Choose to pay a Single Premium (last day 27 March) or
    • Pay premiums regularly over 3, 5, 10, 15 or 20 years
    • Policy maturity is by 125 years old of the original insured
  • Secondary Life Assured – option for your loved ones to continue your policy after your passing
    • You can appoint a secondary life assured to take over your policy and enjoy the maximum benefit when you supposedly reach age 125
  • Capital Guaranteed
    • All your capital is guaranteed by years 5 to 15, depending on your premium payment term
  • Death & Accidental Death Coverage – protection against the unexpected
    • Be covered 101% of all premiums paid less withdrawals (riders not included) or
    • 101% of the guaranteed surrender value
    • Additional 100% of the death benefit if you pass on before age 80 due to an accident
  • Withdrawal Options – access your funds when you need it
    • Regular Withdrawal
      • You can choose to withdraw funds from your policy from
        • The 6th year onwards for single premium, 3 years and 5 years premium term
        • The 11th year onwards for 10 years premium term
        • The 16th year onwards for 15 years premium term
        • The 21st year onwards for 20 years premium term
    • Partial Withdrawal or Full Surrender
    • Bonus Withdrawal
  • Ease of Application
    • No medical checks are required to take up this endowment/savings plan
  • Riders Available – waives your future premium in unexpected events
    • Extra secure waiver II
      • Future premiums are waived in the event you are diagnosed with any of the 37 advanced stage critical illness
    • Extra payer waiver II
      • Future premiums are waived in the event you are diagnosed with any of the 37 advanced stage critical illness, death, or total and permanent disability

Read aboutEndowment and Saving policy: How does it work?

Read AboutEndowment and Saving policy: Is it the best option?

Features of Etiqa Enrich flex plus at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage

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

Health and Insurance Coverage Multiplier

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

Optional Add-on Riders


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 AboutEffects of compounding returns

Read About3 things to consider before taking up a new financial product

Etiqa Enrich flex plus may be suitable if you are looking for

Etiqa Enrich flex plus may potentially be a good fit if the following matters to you:

  • A hassle-free application without medical underwriting
  • Medium to long term endowment and savings plan
  • If you are looking to save regularly over a period of time or a single premium with no further cash commitment
  • Lifetime regular cash payout or withdrawals
  • To potentially generate higher financial returns compared to bank accounts
  • Liquidity or flexibility of withdrawal in your Insurance policy

Etiqa Enrich flex plus may not be suitable if you are looking for

Etiqa Enrich flex plus 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
  • 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 AboutHow can I accumulate a million dollars (Realistically)

Further considerations on Etiqa Enrich flex plus

  • How are Etiqa or Etiqa Enrich flex plus investment returns based on historical performance?
  • How does Etiqa Enrich flex plus compare with Endowment policies from other insurance companies?
  • Can Etiqa Enrich flex plus fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features of Etiqa Enrich flex plus. Talk to us or seek advice from a financial adviser before making any decision about Etiqa Enrich flex plus.

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

Read About3 best Savings plans and endowment policies in Singapore (updated 2023)

Where can I compare the payout and benefits of saving plans and endowment policies?

Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Use our Compare NOW feature to receive the most competitive quotes on saving plans and endowment policies.

Alternatively, you just need to provide us with a couple of details below.

Is Etiqa Enrich flex plus 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.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

We compare quotations head to head on all leading insurers in Singapore

Singapore insurance companies

Personalised savings plans

Maximise your wealth with the best savings plans!

3 easy steps for your customised insurance savings plan

Step 1: Getting to know you…

Let’s start with a brief introduction of your personal profile. This will allow us to adjust and provide the most relevant insurance savings plans for you.





Step 2: Understanding your savings needs…

Please select your savings preferences to allow us to optimise the financial returns of your savings plans:

You have a yearly savings budget (annual premium) of:

You intend to have a saving commitment for a period (premium term) of:


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



Personalised savings plans
Before you go...
Etiqa Enrich flex plus 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!


Additional readings

Need help?
close slider

Need help?