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NTUC Income Gro Prime Saver Review

The complete Pros and Cons on NTUC Income Gro Prime Saver

NTUC Income Gro Prime Saver provides cash payouts till age 100 whilst protecting against death as well as a peace of mind in the event of total and permanent disability.

NOTE: NTUC Income Gro Prime Saver has been phased out and is no longer available. The latest updated and upgraded version is NTUC Income Gro Cash Flex.

NTUC Income Gro Prime Saver product details

  • Life policy – Whole Life Policy
  • Covers:
    • Death and total and permanent disability during the first 5 policy years: Pays 105% of all net premiums paid (excluding premiums paid on the riders) and a terminal bonus in the event of death or total and permanent disability (TPD before age 70)
    • Death and total and permanent disability after the first 5 policy years: Pays 110% of all net premiums paid (excluding premiums paid on the riders) and a terminal bonus in the event of death or total and permanent disability (TPD before age 70)
    • Accidental death and total and permanent disability: Receive an additional 100% of the sum assured if death or total and permanent disability is due to an accident. If the accident happened during a restricted activity, this benefit will be reduced to 60% of the sum assured
  • After 5 policy years, you will receive a guaranteed yearly cash benefit equivalent to 2.1% of your sum assured, and a non-guaranteed yearly cash bonus of up to 2%.
  • Pays a guaranteed special cash benefit equivalent to 4% of the sum assured will be paid out after the 20th and 30th policy year.
  • You will also receive a centennial maturity benefit of 120% of all net premiums paid, on top of your cash payouts, at the point of policy maturity when the insured reaches a ripe old age of 100 years old.
  • Pays a one-time benefit equivalent to one yearly cash benefit, of 2.1% of sum assured, if you get retrenched and are not able to find employment for 3 months.
  • Your policy will be accepted regardless of your health condition

Read AboutWhole Life Policy: How does it work?

In-depth Review3 Best Whole Life Plans in Singapore for Insurance Coverages (2020 Edition)

Features of NTUC Income Gro Prime Saver at a glance

Cash and Cash Withdrawal Benefits

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Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
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

Cancer Premium Waiver (GIO)

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 AboutEffects of compounding returns

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

NTUC Income Gro Prime Saver may be suitable if you are looking for

NTUC Income Gro Prime Saver may potentially be a good fit if the following matters to you:

  • Accumulating cash value in the policy for financial returns in the long-term.
  • Paying premiums only for a limited number of years and enjoying coverage for a lifetime.

Read About: How much insurance coverage do you really need in Singapore *NEW*

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In-depth Review: Term life vs Whole life – Which is better for you?

NTUC Income Gro Prime Saver may not suitable if you are looking for

NTUC Income Gro Prime Saver may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Access to cash from your policy on a regular basis.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Potentially higher financial returns compared to a pure investment product.

In-depth Review: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (2020 Edition)

In-depth Review: 3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2020 Edition)

Further considerations on NTUC Income Gro Prime Saver

  • How is NTUC or NTUC Income Gro Prime Saver investment returns based on historical performance?
  • How does NTUC Income Gro Prime Saver compare with Whole Life Policy from other insurance companies?
  • Can NTUC Income Gro Prime Saver fulfil my financial insurance, health and protection needs?

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

Read AboutWhere do you start with financial planning?

Read About: 8 Commonly made financial mistakes by Singaporeans

Compare before you commit

Before committing to a whole life insurance policy, it certainly pays to make an effort to compare. Specific products features, benefits and payout 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?

compare whole life insurance plans

Even worse, to know you can compare whole life insurance plans here,  100% free of charges on the InterestGuru.sg platform.

Is NTUC Income Gro Prime Saver 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.

We compare quotations head to head on all leading insurers in Singapore

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    Whole Life Plans Selector

    Just 4 simple questions to get you the most suitable whole life insurance plan, based on your financial goals and objectives.

    I am looking for the following coverage(s) in my whole life insurance plan(s):

    How many years are prepared to pay insurance premiums for:
    (A shorter year of paying premium would means a higher yearly premium amount.)

    The amount of premium you are planning to set aside on a yearly basis (in S$):
    (You can choose to pay your premium monthly as well.)

    For the insurance premium you pay, what would be your preferences in a whole life insurance plan:
    (This allows us to narrow down the most suitable options for you)

    Just a little more information so that we are able to reach you.




     

     

    Before you go...
    NTUC Income Gro Prime Saver 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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