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Singlife Flexi Retirement II Review

The complete Pros and Cons on Singlife Flexi Retirement II

Singlife Flexi Retirement II is a retirement annuity policy that features a single premium option fundable with SRS. Riders are available to boost your monthly retirement income in the event you become partially disabled.

Reviewed by InterestGuru on 07/02/2024

Singlife Flexi Retirement II product details

Singlife Flexi Retirement II is featured for Guaranteed Payout benefits in our 4 Best High Income Retirement Plans in Singapore (2024 Edition)

Singlife Flexi Retirement II is featured for High Retirement Income benefits in our 5 Best Insurance Plans for Retirement Income (2024 Edition)

Singlife Flexi Retirement II Rating on InterestGuru.sg: 4 out of 5 stars (4 / 5)
Singlife Flexi Retirement II Popularity on InterestGuru.sg: 3.9 out of 5 stars (3.9 / 5)

  • Life policy – Annuity
  • Flexible Premium Payment Terms
    • Choose to pay a Single Premium or over 5, 10, 15, 20, 25 years – NEW
    • Single Premium is payable by Cash or using SRS funds – NEW
  • Flexible Income Payout Term
    • Choose to receive the Monthly Income Payout from 5 years up to age 120, 1-year intervals
  • Various payout options; Guaranteed Monthly Income (GMI) + Potential Monthly Cash Bonus (MCB)
    • You can choose to receive a lump-sum bonus upon reaching retirement age
    • You can choose to convert the lump sum bonus into an additional monthly income
    • Re-invest monthly retirement income at the prevailing non-guaranteed rates
  • Singlife Care Income Plus Cover Rider – NEW
    • Care Income Benefit – Disability Income Boost
      • An additional 50% of the GMI upon the disability to perform any 2 out of 6 ADL
      • An additional 100% of the GMI upon the disability to perform any 3 out of 6 ADL
    • Fast Forward Option
      • You can opt to receive the disability payouts in lump-sum cash upon the first diagnosis of partial disability during the Care Income Benefit period
    • Senior Special Benefit
      • Receive a lump-sum 600% of the Monthly Care Income, up to $15,000 per life per condition if you are diagnosed with any of the following conditions during the Care Income Benefit Period:
        • Accidental Major Fractures
        • Severe Rheumatoid Arthritis
        • Urinary Incontinence requiring Surgical Repair
        • Osteoporosis with Fractures
        • Severe Presbycusis (Age-related Hearing Loss)
        • Age-related Macular Degeneration with Visual Impairment
        • Diabetic Complications
  • Wide range of Premium waiver riders to waive premium for insurable events
    • EasyTerm
      • Payout of up to 5x the yearly premium in the event of Death, Terminal Illness, or Total and Permanent Disability
    • Cancer Premium Waiver II
      • Future premiums will be waived upon diagnosis of Major Cancer of insured
    • Critical Illness Premium Waiver II
      • Future premiums will be waived upon diagnosis of any of the covered critical illnesses of insured
    • EasyPayer Premium Waiver
      • All future premiums will be waived in the event of Death, Terminal Illness, or Total and Permanent Disability of the policyholder
    • Payer Critical Illness Premium Waiver II
      • Future premiums will be waived if the policyholder is diagnosed with any of the covered critical illnesses
  • Enjoy hassle-free application with no medical check-ups
  • 100% capital guaranteed at the time of retirement

Read about:  Why your retirement planning starts now

Read aboutEffects of compounding returns on your investments

Features of Singlife Flexi Retirement II 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: 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

  • Singlife Care Income Plus Cover Rider
  • EasyTerm
  • Cancer Premium Waiver II
  • Critical Illness Premium Waiver II
  • EasyPayer Premium Waiver
  • Payer Critical Illness Premium Waiver

Additional Features and Benefits

Yes.

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

Read aboutHow can I accumulate a million dollar (Realistically)

Singlife Flexi Retirement II may be suitable if you are looking for

Singlife Flexi Retirement II may potentially be a good fit if the following matters to you:

  • Regular cash payout upon your desired retirement age
  • High non-guaranteed bonuses in a retirement annuity policy
  • Saving regularly over a period of time
  • Insurance options without medical underwriting
  • Do not need access to the funds until retirement
  • To potentially generate higher financial returns compared to bank accounts
  • Future premium waiver in the event you become totally and permanently disabled

Singlife Flexi Retirement II may not be suitable if you are looking for

Singlife Flexi Retirement II may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • High insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lump-sum payout upon maturity
  • A one-time premium commitment with no further cash commitment
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Read about: Why should you choose a shorter premium term on your insurance policies

Further considerations on Singlife Flexi Retirement II

  • How is Singlife or Singlife Flexi Retirement II investment returns based on historical performance?
  • How does Singlife Flexi Retirement II compare with retirement plans and annuity policies from other insurance companies?
  • Can Singlife Flexi Retirement II fulfill my financial, insurance, health, and protection needs?

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

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

Read about3 best Retirement plans and Annuity policies in Singapore (2023 Edition) *Updated*

Where can I compare the payout and benefits of retirement plans and annuity policies?

Your retirement plans are meant to supplement your lifestyle and expenses in your golden years. Ensure your retirement plans match the financial goal and objective you wish to achieve when you decide to take a step back in life.

It is too late to regret once you have made your financial commitment. Specific product features, benefits, and payout will differ more than you think across insurance companies.

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