Etiqa ePREMIER retirement Review

The complete Pros and Cons on Etiqa ePREMIER retirement

Etiqa ePREMIER retirement has been discontinued. For further information and details about this plan, fill up the form below and let us advise you accordingly.

Etiqa ePREMIER retirement is a retirement annuity plan allowing you multiple choice of retirement payout to suit your needs.

Etiqa ePREMIER retirement product details

  • Life policy – Annuity
  • Receive death coverage of 101% of premiums or policy value, the higher of which on top of any bonuses
  • Enjoy up to 4.51% per annum
  • Guaranteed and non-guaranteed monthly retirement income with a lump-sum benefit when the policy matures
  • Premium Term
    • You can choose to pay premiums for 2, 5 or 10 years
  • Retirement Payout
    • You can choose a retirement age of 60 or 65
    • Start receiving guaranteed and non-guaranteed monthly retirement income at your selected age for 10 or 20 years or
    • Option 1: Reinvest payouts at the prevailing non-guaranteed rates
    • Option 2: Partial withdrawal for a lump sum, reduced monthly retirement income
    • Option 3: Receive lump sum amount at retirement age
  • Major Cancer Coverage
    • Receive a lump-sum amount of 9x the guaranteed monthly retirement income when diagnosed with major cancer before the age of 70
  • Optional Add-on
    • Available rider to waive future premiums will be waived upon diagnosis of major cancer

Read about:  Why your retirement planning starts now

Read aboutEffects of compounding returns on your investments

Features of Etiqa ePREMIER retirement 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

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


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

Etiqa ePREMIER retirement may be suitable if you are looking for

Etiqa ePREMIER retirement may potentially be a good fit if the following matters to you:

  • Regular cash payout upon your desired retirement age
  • 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 ePREMIER retirement may not be suitable if you are looking for

Etiqa ePREMIER retirement may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • High 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 about: Why should you choose a shorter premium term on your insurance policies

Further considerations on Etiqa ePREMIER retirement

  • How is Etiqa or Etiqa ePREMIER retirement investment returns based on historical performance?
  • How does Etiqa ePREMIER retirement compare with retirement plans and annuity policies from other insurance companies?
  • Can Etiqa ePREMIER retirement fulfill my financial, insurance, health, and protection needs?

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

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

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

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 product features, benefits, and payout will differ more than you think across insurance companies.

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

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

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Before you go...
Etiqa ePREMIER retirement 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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