Etiqa Invest starter Review

The complete Pros and Cons on Etiqa Invest starter

Start investing as low as $100/mth with Etiqa Invest starter. Be rewarded with bonus units every 3 years from the 4th policy year onwards. Choose from a curated set of portfolio funds that suits your risk level.

Etiqa Invest starter product details

  • Life Policy – Investment-linked policy
  • Low Barrier to Entry – investing doesn’t require a fortune
    • Start investing from as low as $100 per month
  • Curated Portfolio Funds – invest within your risk tolerance level
    • Conservative; Low Risk (80% Fixed Income & 20% Equities)
    • Moderate; Medium Risk (40% Fixed Income & 60% Equities)
    • Growth; High Risk (20% Fixed Income & 80% Equities)
    • Aggressive; High Risk (100% Equities)
  • Investment Bonus – boost your investment portfolio
    • Receive a policy charge refund of 0.8% of the Average Account Value on the 4th policy year
    • This bonus is paid out every 3 years thereafter so long as no partial withdrawal is made
  • Policy Flexibility
    • You can make ad-hoc top-ups and increase your regular premium at any time
    • You can lower your regular premium, make partial withdrawals or activate premium holiday from the 6th policy year at no charge
    • You can change the Life insured at any time from the 3rd policy year onwards
    • You can switch portfolio fund at any time without charges
  • Death and Terminal Illness Coverage
    • Be covered the higher of 105% of net premiums paid or the account value against Death or Terminal Illness
  • Ease of Application
    • No health checks are required to take up Etiqa Invest starter
  • Available Riders
    • Advanced CI rider
      • Accelerates the death coverage payout in the event the life insured is diagnosed with any of the 36 covered advanced stage critical illness.
    • Extra disability care rider
      • Accelerates the death coverage payout in the event of total and permanent disability of the life insured

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

Read about: 3 best Investment Linked Policies in Singapore (Updated)

Features of Etiqa Invest starter 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

Advanced CI rider
Extra disability care rider

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 on your investments

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Etiqa Invest starter may be suitable if you are looking for

Etiqa Invest starter 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 starter may not suitable if you are looking for

Etiqa Invest starter 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 starter

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

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

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 starter 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 Invest starter 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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