NTUC Income Invest Flex Review

NTUC Income Invest Flex is an investment linked policy that offers you the flexibility while investing so you can achieve your financial goals, even when life throws you a curveball.

NTUC Income Invest Flex product details

• Life Policy – Investment-linked policy
• 4 minimum investment period to choose from:
  • 5, 10, 15 or 20 years
• Start-up bonus
  • Receive Start-up bonus of up to 60% of your regular premium in the first policy year
• Loyalty bonus
  • Receive loyalty bonus of 0.5% p.a. from the 10th year onwards
• Maxmise your investment
  • with up to 105% of your regular premiums paid to purchase units
• Adapt to life’s uncertainties
  • Option to withdraw some of your investments at no charge when any specified life event occurs during the Minimum Investment Period.
• Continuity of wealth accumulation with a secondary insured
  • You can appoint your loved one as a secondary insured so your policy can continue in the event of the death of the insured

• Free premium holidays
  • Take a holiday from paying your regular premium for up to 120 months with no charges incurred.
• Stay protected while you invest
  • Complimentary protection against death and terminal illness
    
    

Read about: Investment-Linked Policy: Is it the best option?

Read about: 6 best Investment Linked Policies in Singapore (Updated)

Features of NTUC Income Invest Flex at a glance

Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: Yes

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
Yes

Additional Features and Benefits
Yes.

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

Read about: Effects of compounding returns on your investments

NTUC Income Invest Flex may be suitable if you are looking for

NTUC Income Invest 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 minimal insurance coverage
• Able to take investment risks and comfortable with financial market volatility
• Regular-pay premium term investment plan
• Take unlimited premium holidays after the end of the minimum investment period
• 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

NTUC Income Invest Flex may not be suitable if you are looking for

NTUC Income Invest 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
• Single premium investment option with no further financial commitment
• 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 NTUC Income Invest Flex

• How is NTUC Income or NTUC Income Invest Flex investment returns based on historical performance?
• How does NTUC Income Invest Flex compare with Investment-linked policies from other insurance companies?
• Can NTUC Income Invest Flex fulfill my financial, insurance, health, and protection needs?

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

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

Is NTUC Income Invest Flex suitable for me?