NTUC Income's Capital Plus

Guaranteed Return & Capital Guaranteed


Key features for

NTUC Income's Capital Plus

 (Details below are for the Mar 2020 Tranche. The next tranche return has not been announced yet.) 

Guaranteed Returns


(Return is not confirmed for the next tranche.)

Capital Guaranteed

Guaranteed & Covered by SDIC

3 year term

3-Year Term

InsureDIY Capital Plus Promotions


Get InsureDIY
Capital Plus

InsureDIY Online Application


Why Apply Early for Capital Plus

NTUC Income's Capital Plus is a 3-Year savings product that gives a much higher guaranteed return than fixed deposits or Singapore Savings Bonds.

March 2020 comparison:

Capital Plus March tranche: 2.13% p.a.

Fixed Deposits: 1.1% p.a. - 1.4% p.a.

Singapore Savings Bond: 0.34% p.a. (current)

This product sells out fast, so please apply early with us. By applying early, we will reserve your allocation for you in the next tranche and you will also be updated on any other tranches of similar products. There is no obligation to proceed with your application after you see the rate when the next tranche is launched. 

InsureDIY is the only adviser platform offering NTUC Income Capital Plus with an online processYou will be able to apply and transfer the premium to NTUC Income directly all from the comfort of your own home. We are an online financial adviser licensed by MAS and we are an approved adviser by NTUC Income.  

InsureDIY Promotion (March 2020 - Closed)

Get DIY$10 for Single Premium amounts of S$40,000 and above and DIY$5 for Single Premium amounts below S$40,000!

Single Premium Amount Bonus Reward
Below S$40,000 DIY$5
S$40,000 and above DIY$10


Refer your friends and family for Capital Plus and get DIY$10 each.


Referral Reward
DIY$10 each


DIY$ can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Check out our rewards catalogue here.

father and son in park

Capital Plus Mar 2020 Details

NTUC Income's Capital Plus is a 3-year single premium plan that provides a guaranteed return higher than the returns provided by Singapore Savings Bonds and fixed deposit rates.

This tranche can be paid for with cash or your SRS funds.

In addition to the guaranteed return at the end of 3 years, NTUC Capital Plus also includes an additional 5% Death and Total & Permanent Disability benefit cover from the second year. 

NTUC Income's Mar 2020 Capital Plus Product Illustration (Now closed. Register early for the next tranche.)

Policy Capital Plus (CSN4)
Policy Term 3 Years


  Death Benefit Surrender Value
End of Policy Year Total Premiums Paid to Date (S$) Guaranteed(S$) Guaranteed(S$)
1 1,000.00 1,000.00 919.15
2 1,000.00 1,050.00 938.75
3 1,000.00 1,050.00 958.75
3 1,000.00 Maturity Value


Other guaranteed return,
capital guaranteed


Product Expected Launch Date Register for these Products here:

10 SG Logo ChinaTaiping

China Taiping's i-Save

3-Year plan

Open for waitlist Waitlist Now 


Here are some common questions
about NTUC Income's Capital Plus Plan

1. Is there any difference between buying NTUC Income Capital Plus through InsureDIY or from NTUC Income directly?

InsureDIY is distributing the same product NTUC Income Capital Plus as NTUC Income. However, we are offering exclusive promotions on Capital Plus that are not available anywhere else. We are also the only distributor to offer an immediate online application process. So you will get more value through our promo and you also save time!


2. Is there a difference between using cash to pay for the NTUC Capital Plus premium versus using my SRS Funds? 

No, there is no difference in terms of the return on the policy. Of course, if you use your SRS Funds to pay for the policy, then the proceeds will be paid back to your SRS Fund. For policholders who pay in cash, the maturity proceeds will be paid by cheque to the policyholder.


3. What is the maximum premium size for NTUC Capital Plus? 

There is no specific maximum premium size. The maximum single premium per insured is subject to financial underwriting.


4. What are the minimum and maximum ages for NTUC Capital Plus?

Insureds from ages 10 to 80 can apply for NTUC Capital Plus.


5. If I am a foreigner, can I apply for NTUC Capital Plus?

Yes. However, you must be residing in Singapore at the time of application. We would need to collect additional documents:

  • Copy of passport with proof of entry
  • Valid employment pass for those who are working (minimum validity of 6 months prior to expiry)
  • Student pass or dependant pass is required for those who are not working
  • Proof of residential address such as a copy of the utility bills, bank statement or letters issued by statutory or government bodies (dated within past 6 months)


Please do email us the above documents at [email protected] after filling in our online application form here.


InsureDIY is an online financial adviser licensed by Monetary Authority of Singapore and we are an approved adviser by our panel of insurance companies. This advertisement has not been reviewed by the Monetary Authority of Singapore.