Etiqa Invest starter Review

Start investing as low as $100/mth with Etiqa Invest starter. Be rewarded with bonus units every 3 years from the 4th policy year onwards. Choose from a curated set of portfolio funds that suits your risk level.

Etiqa Invest starter product details

• Life Policy – Investment-linked policy
• Low Barrier to Entry – investing doesn’t require a fortune
  • Start investing from as low as $100 per month
• Curated Portfolio Funds – invest within your risk tolerance level
  • Conservative; Low Risk (80% Fixed Income & 20% Equities)
  • Moderate; Medium Risk (40% Fixed Income & 60% Equities)
  • Growth; High Risk (20% Fixed Income & 80% Equities)
  • Aggressive; High Risk (100% Equities)
• Investment Bonus – boost your investment portfolio
  • Receive a policy charge refund of 0.8% of the Average Account Value on the 4th policy year
  • This bonus is paid out every 3 years thereafter so long as no partial withdrawal is made
• Policy Flexibility
  • You can make ad-hoc top-ups and increase your regular premium at any time
  • You can lower your regular premium, make partial withdrawals or activate premium holiday from the 6th policy year at no charge
  • You can change the Life insured at any time from the 3rd policy year onwards
  • You can switch portfolio fund at any time without charges
• Death and Terminal Illness Coverage
  • Be covered the higher of 105% of net premiums paid or the account value against Death or Terminal Illness
• Ease of Application
  • No health checks are required to take up Etiqa Invest starter
• Available Riders
  • Advanced CI rider
    • Accelerates the death coverage payout in the event the life insured is diagnosed with any of the 36 covered advanced stage critical illness.
  • Extra disability care rider
    • Accelerates the death coverage payout in the event of total and permanent disability of the life insured
      
      

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

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

Features of Etiqa Invest starter at a glance

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

Health and Insurance Coverage
Death: No
Total Permanent Disability: No
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
Advanced CI rider
Extra disability care rider

Additional Features and Benefits
Yes.

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

Read about: Effects of compounding returns on your investments

Etiqa Invest starter may be suitable if you are looking for

Etiqa Invest starter 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 no insurance coverage
• Able to take investment risks and comfortable with financial market volatility.
• 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

Etiqa Invest starter may not suitable if you are looking for

Etiqa Invest starter 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.
• 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 Etiqa Invest starter

• How is Etiqa or Etiqa Invest starter investment returns based on historical performance?
• How does Etiqa Invest starter compare with Endowment policies from other insurance companies?
• Can Etiqa Invest starter fulfill my financial, insurance, health, and protection needs?
  
  

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

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

Is Etiqa Invest starter suitable for me?