NTUC Income VivaLink Review

The complete Pros and Cons on NTUC Income VivaLink

NTUC Income VivaLink has been discontinued. For further information and details about this plan, fill up the form below and let us advise you accordingly.

NTUC Income VivaLink policy details

NTUC Income VivaLink Rating on InterestGuru.sg: [usr=3.16]
NTUC Income VivaLink Popularity on InterestGuru.sg: [usr=3]

Read About: 3 best Investment Linked Policies in Singapore (updated 2023)

  • Life Policy – Investment-linked policy
  • Pays the basic benefit or cash-in value, whichever is higher, less any applicable fees and charges due on your policy, in the event of death or total and permanent disability (TPD before age 70)
  • Receive an additional 100% of the sum assured or $100,000, whichever is lower if death or total and permanent disability is due to an accident. If the accident happened during a restricted activity, NTUC Income only pay an additional 30% of the sum assured or $30,000 on top of the death benefit, whichever is lower
  • Insurance coverage is guaranteed in the first 10 years of your policy, regardless of its cash value
  • Additional  5% special bonus allocation for the premiums payable in the 15th and 20th policy year
  • After the 10th policy year, you may reduce your insurance coverage to zero from age 55 onwards to maximise wealth accumulation
  • You will not be charged or limited to the number of fund switches made per year
  • You have the freedom to change the amount you want to save each time, to top-up your investment with a lump sum or to withdraw some of your investments, as often as you wish

NTUC Income Viva Link is a common search alternative for NTUC Income VivaLink.

Read AboutHow does Investment-Linked Policy work?

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

Features of NTUC Income VivaLink 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: No
Critical Illness: Yes
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

Dread Disease Cover (ILP)
Dread Disease Premium Waiver (ILP)
Payor Premium Waiver
Enhanced Payor Premium Waiver

Additional Features and Benefits


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NTUC Income VivaLink may be suitable if you are looking for

NTUC Income VivaLink may potentially be a good fit if the following matters to you:

  • Initial high protection for Death and Terminal Illness coverage at an affordable premium.
  • Initial high Early Critical Illness, Critical Illness and Total Permanent Disability coverage in an Insurance Policy.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • To participate in the long-term financial returns of investing.
  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compare to traditional Endowment and Whole Life Policy.

NTUC Income VivaLink may not suitable if you are looking for

NTUC Income VivaLink may potentially be a bad fit if the following matters to you:

  • Life-long health and protection coverage due to increasing mortality charges.
  • 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.

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

Further considerations on NTUC Income VivaLink

  • How are the investment returns of NTUC Income or NTUC Income VivaLink based on historical performance?
  • How good is NTUC Income VivaLink compared to Investment Linked Policy from other insurance companies?
  • Can NTUC Income VivaLink fulfil my financial insurance, health and protection needs?

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

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

Read AboutHow can I accumulate a million dollar (Realistically)

Read About: 3 best Investment Linked Policies in Singapore (updated 2023)

Is NTUC Income VivaLink 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...
    NTUC Income VivaLink 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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