NTUC Income's Gro Capital Ease

3-Year Plan

Guaranteed Return & Capital Guaranteed

LATEST: Gro Capital Ease is now sold out. Current open tranche is China Taiping's i-Save 1.5% p.a. 3-Year Plan.




Gro Capital Ease

Pay by:*

We recommend that you pay through Internet Banking due to the COVID19 situation. However, cheque and cashier's order modes of payment remain available.

Once your application is created in NTUC Income's system, an SMS / Email with your proposal number will be sent to you. You will be able to make premium payment via cheque / cashier's order after you have received your proposal number.

Cheques / Cashier's Order are to be made payable to "NTUC Income". 
Please write the following at the back of your Cheque: 

- Name (as in NRIC) 
- NRIC Number
- Contact Number
- Proposal Number
- Adviser: InsureDIY Pte Ltd

For Cashier's Order Only

Please also submit a copy of the Cashier's Order Withdrawal Slip or Cashier's Order Application Form to sg_service@insurediy.com.

Your proposal number will be emailed to you in 5-7 working days. You can proceed to make payment via bank transfer after you have received your proposal number as this will need to be quoted as a payment reference number.   

* For Bank Transfer, Funds are to be paid out of an account held in your name (i.e. the policyholder).

Email Address
Handphone No. (8 digit of your phone no)
SRS Acc No.

Please check that your DBS SRS account number has 14 digits and ends with 223.

Please check that your OCBC SRS account number has 12 digits and ends with 223.

Please check that your UOB SRS account number has 9 digits and starts with 180.

First Name
Last Name
NRIC Number
Date of Birth
Residental Address
Postal Code
Are you solely a tax resident of Singapore?
Are you a U.S. Person / Person with a U.S. Indicia?
Tax Identification Number
Nature of Work(*)
Name of Employer(*)
Nature of Business(*)
Upload Picture of NRIC - Front(*)
Are you a smoker?(*)
Upload Picture of NRIC - Back(*)
Upload Picture of Passport or Proof of Address (Driving licence and NRIC are not accepted) (*)
POA includes utility bills, bank statement or letters issued by statutory or government bodies (dated within past 6 months) with letterhead, name, address and date shown.
How did you accumulate your wealth?

Are you the Payor for this policy?

First Name of Payor
Last Name of Payor
Reason for Third Party Payment
Payor NRIC number


I confirm that I am solely a tax resident of Singapore and do not have a foreign tax residency. My Singapore TIN is my NRIC or FIN.
I am not a Politically Exposed Person (PEP).
I confirm that I am the payor as well as the proposer for this plan.
I am not currently applying for any other Life Insurance policies and I do not intend to replace any of my existing policies with this policy.
I would not like my dependant(s) to be taken into consideration for the needs analysis and recommendation(s).
I wish to receive product advice only and do not need my other insurance plans to be considered for needs analysis.
My financial priority is short-term savings. I prefer fixed income, capital guaranteed products. The return is within my expectations.
I tend to be conservative and would sell my investments to preserve cash in a short-term decline and I am uncomfortable with any loss of capital.
Capital preservation is my priority and my investment time frame is less than 5 years.
There are no events that will affect my financial condition in the next 12 months.
Inflation of 0.57% is reasonable as this was the 2019 inflation.

I understand that my personal data will be used and transfered to InsureDIY Pte Ltd in accordance with the Privacy Policy, although I understand that InsureDIY Pte Ltd acknowledges that I may opt out of the use of my personal data for direct marketing purposes by indicating as such to sg_service@insurediy.com.

InsureDIY Pte Ltd and its affiliated companies would like to send me information on relevant products and services that may be of interest to me. Often, InsureDIY Pte Ltd or its affiliated companies are able to notify me on promotional prices that will give me good value. I agree to InsureDIY Pte Ltd and their affiliated companies using my personal data (email, telephone number and postal address) for direct marketing of products and services as set out in their Privacy Policy.


Cashback Exclusives For You!

Promotion 1: Integrated Shield Plans

Get up to $50 in cashback and $80 in InsureDIY vouchers if you appoint InsureDIY as your existing Integrated Shield plan adviser or apply for a new Shield plan.

Cashback is based on your Annual Shield Premium (including Rider premium). For NTUC Income and Raffles Health plans only. 

Specially for You: Add $10 to our standard cashback promo below!

Premium: Cashback

$500 - $699: $20

$700 - $999: $25

$1,000 and higher: $40

Plus $80 in InsureDIY vouchers to offset your Motor, Travel and Domestic Helper Insurance premiums

The link to our Integrated Shield comparison will be emailed to you separately.

Promotion 2: Motor Insurance Promotion

Get up to $50 in cashback and $80 in InsureDIY vouchers if you appoint InsureDIY as your existing Motor Insurance adviser.

- Valid for NTUC Income, AXA, HLA, Liberty, Tokio Marine, MSIG and Sompo Motor Insurance plans.

- Not for plans under dealership or other special schemes. Subject to a minimum premium of $800.

- You do not need to complete the application for the Short Term Endowment product to enjoy this promotion.

- Simply send us the signed Change of Adviser form and we will confirm your renewal premium before you proceed to renew through us. Form will be emailed to you.
Referral Code

In the event that this product is oversubscribed, we will keep you updated on future tranches as these become available.

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Key features for

NTUC Income's Gro Capital Ease - Waitlist Now

Guaranteed Returns



Capital Guaranteed

Guaranteed & Covered by SDIC

3 year term

3-Year Term

InsureDIY Capital Plus Promotions


Get InsureDIY

InsureDIY Online Application


Why Apply for Gro Capital Ease

NTUC Income's Gro Capital Ease is a 3-Year savings product that gives a much higher guaranteed return compared to fixed deposits (0.05% p.a. to 0.65%) or Singapore Savings Bonds (0.5%). 

Gro Capital Ease is now closed. Please apply above to waitlist and we will contact you once the next tranche is launched. We will also notify you of future similar products.


App users will be the first to be notified of the launch of the next tranche.


InsureDIY is the only adviser platform offering NTUC Income's Gro Capital Ease 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.  


Other Savings & Investment Products you may wish to consider: 

Product Product Type Register for these Products here:

10 SG Logo ChinaTaiping



Capital Guaranteed

Guaranteed Return

Insurance Product

1.5% p.a.

3-Year Plan

Apply Now

Best of Bond Funds:

PIMCO logo


JP Morgan logo

Unit Trusts

3-Year return: 4.80%

Apply Now


InsureDIY Promotion (Jan 2021) - Waitlist Now

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 Gro Capital Ease 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.

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Gro Capital Ease Jan 2021 Details - Waitlist Now

NTUC Income's Gro Capital Ease 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's Gro Capital Ease also includes an additional 5% Death and Total & Permanent Disability benefit cover from the second year. 

NTUC Income's Jan 2021 Gro Capital Ease Product Illustration (Apply for the Jan 2021 tranche.)

Policy Gro Capital Ease (CSN7)
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 1,000.00 812.65
2 1,000.00 1,050.00 825.50
3 1,000.00 1,050.00 838.50
3 1,000.00 Maturity Value


Other Savings & Investment Products


Product Product Type Register for these Products here:

10 SG Logo ChinaTaiping



Guaranteed Return

Capital Guaranteed

Insurance Product

1.5% p.a.

3-Year plan

Apply Now

Best of Bond Funds:

PIMCO logo


JP Morgan logo

Unit Trusts

3-Year return: 4.80%

Apply Now

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

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

InsureDIY is distributing the same product NTUC Income Gro Capital Ease as NTUC Income. We are offering exclusive promotions on Gro Capital Ease that are not available anywhere else. We are also the only distributor to offer an 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 Gro Capital Ease 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 Gro Capital Ease? 

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 Gro Capital Ease?

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


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

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 sg_service@insurediy.com after filling in our online application form here.

InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.