Etiqa Esteem income II Review

The complete Pros and Cons on Etiqa Esteem income II

Etiqa Esteem income II provides financial assurance for your family beyond your lifetime.

Etiqa Esteem income II product details

  • Life policy – Universal Life Insurance
  • Single premium.
  • Lump sum payout upon death and terminal illness. No health checks are required.
  • Receive lifetime monthly income, consisting of a guaranteed and non-guaranteed amount at the
    end of each policy month, starting from the end of the 13th policy month until the policy matures.
  • Choose to receive the monthly income or reinvest it with Etiqa at a non-guaranteed interest rate.
  • Option to change the life insured at any time after the 2nd policy year.
  • Your policy has a surrender value of at least 80% of the single premium paid

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

Features of Etiqa Esteem income II 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: 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

Is Etiqa Esteem income II 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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    Financial Solutions Enquiry Form

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    For which event do you wish to be protected for?

    DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

    How many year are you willing to make payment for?

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    Would you expect to do partial withdrawal in the short term for this sum of money?

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    Before you go...
    Etiqa Esteem income II 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.
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