Etiqa ESAVE Flexi Review

The complete Pros and Cons on Etiqa eSAVE Flexi

Etiqa eSAVE flexi product details

  • Life policy – Endowment and Saving policy
  • Guaranteed cash benefits (equivalent to 5% of the sum insured) from the end of year 2. You may also choose to accumulate the cash benefits with us at a non-guaranteed interest of 3% per annum
  • Receive a total guaranteed maturity benefits (including all Guaranteed Yearly Cash Benefits) that amount to 120% of sum insured
  • Receive a lump sum guaranteed death benefit and any added bonuses upon death or in the event of total and permanent disability or terminal illness before age next birthday 71
  • Guarantee the approval of a new term or endowment policy regardless of health status, on up to any 2 of these key life events

Etiqa e SAVE flexi is a common search alternative for Etiqa eSAVE flexi.

Read AboutEndowment and Saving policy: How does it work?

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

Features of Etiqa eSAVE flexi 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

eXTRA essential
eXTRA cancer waiver
eXTRA secure waiver
eXTRA payer waiver
eXTRA accident cover

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 eSAVE flexi may be suitable if you are looking for

Etiqa eSAVE flexi may potentially be a good fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • 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 eSAVE flexi may not be suitable if you are looking for

Etiqa eSAVE flexi 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
  • 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.

Further considerations on Etiqa eSAVE flexi

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

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

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

Is Etiqa eSAVE flexi 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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Step 1: Getting to know you…

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Step 2: Understanding your savings needs…

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

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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.



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Before you go...
Etiqa ESAVE Flexi 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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