Receive 3% of the sum assured as guaranteed yearly cash benefits . Enjoy non-guaranteed yearly cash bonuses. Option to choose monthly cash benefits.

For policies paid yearly, you're guaranteed to get back at least all the premiums you've paid (excluding rider premiums).

Choose from various premium payment terms: 5, 10, 15, 20, 25, or 30 years. Policy terms range from 10 years to coverage till age 120.

Appoint a secondary insured to ensure policy continuation in case of the insured's death.

Coverage for death and terminal illness.

No medical check-up required.

Starting from the end of the 2nd policy year, you'll receive yearly cash benefits of 3% of the sum assured, plus non-guaranteed yearly cash bonuses . You can withdraw these payouts or accumulate them with Income at an interest rate of up to 3.00% p.a. (non-guaranteed).

Choose the premium payment term (5, 10, 15, 20, 25, or 30 years) and policy term (10, 15, 20, 25, 30 years, or till age 120) that best suits your financial situation.

Death Benefit: 105% of all net premiums paid, plus a terminal bonus and any accumulated cash benefits and bonuses . Terminal Illness Benefit: Same as the death benefit, payable upon diagnosis of terminal illness.

At the end of your policy term, you'll receive the cash value of your policy and any accumulated cash benefits and bonuses.

Appoint a secondary insured (your spouse or child) to ensure the policy continues even if the original insured passes away.

After 12 months from the policy start date, you can buy another life policy without health reassessment if you experience certain life events.

Waives future premiums if you become totally and permanently disabled (TPD). Provides a lump sum benefit equivalent to two years of annual premiums. Offers retrenchment benefit, waiving premiums for 6 months if you're retrenched.

Waives future premiums if you're diagnosed with major cancer during the rider term.

Ms. Lee, age 40, signs up for Gro Cash Flex Pro with a sum assured of $37,310 and a Savings Protector Pro rider. She pays $6,000 annually for 10 years, with a 15-year policy term. At age 42, she starts receiving yearly cash payouts of $1,768 (illustrated based on 4.25% p.a. investment return). At age 45, she becomes totally and permanently disabled. Her remaining premiums are waived, and she receives a lump sum of $12,000. If she passes away at age 54, her family would receive $65,743 (illustrated based on 4.25% p.a. investment return).

Mr. Lee, age 55, chooses Gro Cash Flex Pro with a sum assured of $41,667. He pays $25,000 annually for 5 years, with a policy term till age 120. He appoints his son Gary, age 17, as the secondary insured. From age 57, the policy accumulates yearly cash payouts. At age 71, Mr. Lee starts withdrawing $3,500 annually for retirement (illustrated based on 4.25% p.a. investment return). At age 80, Mr. Lee passes away, and the policy continues with Gary as the insured. If Gary survives to age 120, the policy matures with a payout of $274,167 (illustrated based on 4.25% p.a. investment return).

It's best to check with Income about options for adjusting your plan after purchase.

The policy may lapse, or you might be able to use the cash value to pay premiums. Consult your financial advisor for options.

The 3% yearly cash benefit is guaranteed, but the yearly cash bonus is not and depends on fund performance.

Yes, you can purchase this plan for your child and even appoint them as a secondary insured.

For yearly-paid policies held to maturity, you're guaranteed to receive at least the total premiums paid (excluding rider premiums) through guaranteed cash benefits and maturity benefit.