Etiqa Enrich Harvest Review

The complete Pros and Cons on Etiqa Enrich Harvest

Etiqa Enrich Harvest is an endowment insurance plan that gives you a guaranteed 2.68% per annum with a maturity date after the 6th year. Etiqa will pay 101% of the account value should the life insured pass away.

Etiqa Enrich Harvest product highlights

  • Life policy – Endowment and Saving policy
  • Premium Payment
    • Choose to save between $30,000 to $200,000 yearly for 2 years
  • Premium Option
    • You can choose to pay 2 annual premiums or a single lump-sum premium
    • Enjoy a 3% discount if you choose to pay the lump-sum premium.
  • Enjoy Guaranteed 2.68% per annum for the first 6 years.
  • Short lock-in period of 6 years
  • Free Partial Withdrawal Benefit
    • You may perform partial withdrawals without any charges if you meet the conditions set
  •  Experience a hassle-free application, no health checks required
    • Applicable if you are 17 to 75 age next birthday
  • Loyalty Bonus
    • You may receive a non-guaranteed bonus of 0.6% at the end of the 6-year policy if no partial withdrawal has been made
  • Death Benefit
    • Etiqa will pay 101% of the account value should the life insured pass away.

Read aboutEndowment and Saving policy: How does it work?

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

Features of Etiqa Enrich Harvest at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: Yes

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

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 Great Eastern website. Alternatively, fill-up the form below and let us advise accordingly.

Read aboutEffects of compounding returns on your saving

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Etiqa Enrich Harvest may be suitable if you are looking for

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

  • A hassle-free application without medical underwriting
  • Short to medium term endowment and savings plan
  • To saving regularly over a period of time
  • To potentially generate higher financial returns compared to bank accounts

Etiqa Enrich Harvest may not be suitable if you are looking for

Etiqa Enrich Harvest may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lifetime regular cash payout
  • 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 AboutHow can I accumulate a million dollar (Realistically)

Further considerations on Etiqa Enrich Harvest

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

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

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

Read aboutHow can I accumulate a million dollar (Realistically)

Read About3 best Savings plans and endowment policies in Singapore (updated Jan 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.

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Is Etiqa Enrich Harvest 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.

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Before you go...
Etiqa Enrich Harvest 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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