Etiqa Invest smart flex Review

The complete Pros and Cons on Etiqa Invest smart flex

Introducing Etiqa Invest smart flex, an investment-linked life policy that offers flexibility and attractive bonuses. Start investing from just $200 per month with premium payment terms of 10, 15, or 20 years.

Enjoy bonuses such as a start-up bonus, special bonus for 10-year payment terms, and loyalty bonus. Benefit from flexible policy features, coverage for death and disability, and the option to add riders for extra protection. No health checks are required for application.

Etiqa Invest smart flex product details

  • Life Policy – Investment-linked policy
  • Premium Payment & Policy Term
    • You can choose to pay premiums for 10, 15 or 20 years for a policy term of up to age 100
  • Low Barrier to Entry – investing doesn’t require a fortune
    • Start investing from as low as $200 per month
  • Multiple Bonuses
    • Start-up Bonus
      • Receive a one-time up to 80% of regular premiums paid on the first policy year
    • Special Bonus – if you chose a 10-year premium payment term
      • Receive special bonuses of 5% of regular premiums paid from the 6th policy year onwards until the end of the premium payment term
    • Loyalty Bonus
      • Receive loyalty bonuses of 0.2% p.a. of the account value starting from the year after the end of the premium payment term
  • Flexibility in an Investment-linked Policy 
    • From the 4th policy year, you will have the option of making 2 partial withdrawals free of charge throughout the premium payment term
    • From the 6th policy year, enjoy low partial withdrawal charges
    • You can switch funds at any time with no additional charges
    • You have the option of changing
  • Death and Total and Permanent Disability Coverage
    • Be covered against Death Or TPD at the higher of 105% of net premiums paid or the account value
  • Ease of Application
    • No health checks are required to take up Etiqa Invest smart flex
  • Available Riders
    • Extra secure waiver II
      • Future premiums are waived and the policy continues in the event the life insured is diagnosed with any of the 37 covered advanced stage critical illnesses.
    • Extra payer waiver II
      • Future premiums are waived and the policy continues in the event the life insured passes away, becomes totally and permanently disabled, or is diagnosed with any of the 37 covered advanced stage critical illnesses.

Read aboutInvestment-Linked Policy: Is it the best option?

Read about: Best Investment Linked Policies in Singapore (Updated)

Features of Etiqa Invest smart flex at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: No
  • 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 secure waiver II
Extra payer waiver II

Additional Features and Benefits


For further information and details, refer to Etiqa website. Alternatively, fill up the form below and let us advise accordingly.

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Etiqa Invest smart flex may be suitable if you are looking for

Etiqa Invest smart flex may potentially be a good fit if the following matters to you:

  • To participate in the long-term financial returns of investing
  • A full-forced investment-linked policy with no insurance coverage
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compared to traditional Endowment and Whole Life policies.
  • Insurance options without medical underwriting

Read about: An introduction to Investment Linked Policy

NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on

Etiqa Invest smart flex may not be suitable if you are looking for

Etiqa Invest smart flex may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High Death and Terminal Illness coverage
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Guaranteed financial returns in the long run.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Expecting an urgent need for withdrawal during a financial market downturn.

Further considerations on Etiqa Invest smart flex

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

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

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

Where can I compare the payout and benefits of Investment Linked 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 Investment linked Policies.

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

Is Etiqa Invest smart flex suitable for me?

Contact InterestGuru using the form below. Our panel of Independent financial planners 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 Invest smart flex 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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