Key features for Our Top Legacy Retirement Products
Income: Luxe Plus Solitaire & China Taiping: Infinite Harvest Plus & Infinite Harvest (III)
Up to 3.75% p.a. cash benefit after Year 3
(Income)
Pass on cash benefit to future generations
High guaranteed cash benefit
Single Premium & Guaranteed acceptance
Online application
Why Apply for
Luxe Plus Solitaire, Infinite Harvest Plus,
Infinite Harvest (III)
If you are looking to secure your income in your retirement and pass on lifelong income to your children/grandchildren, you can consider Income's Luxe Plus Solitaire, China Taiping's Infinite Harvest Plus or Infinite Harvest (III). Why these products are great:
- Cash benefits of up to 3.75% p.a. of your single premium after Year 3
- Highest guaranteed cash benefit in the market
- Pass on this lifelong income to the next generation. Maximise the payouts!
Check out our side by side comparison below and then get started by getting a quote above!
Apply now and enjoy our special InsureDIY promotion!
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Luxe Plus Solitaire, Infinite Harvest Plus & Infinite Harvest (III)
Hassle-free application and guaranteed issuance (No medical underwriting requirements!)
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| Luxe Plus Solitaire | Infinite Harvest Plus | Infinite Harvest (III) |
| Premium terms available | ||
| Single Premium | Single Premium, 2 years or 3 years | Single Premium |
| Cash dividends start in year | ||
| Monthly dividend after Year 3 |
Single Premium: Monthly dividend after Year 3 2-Years Premium Term: Monthly dividend after Year 4 3-Years Premium Term: Monthly dividend after Year 4 |
Monthly dividend after Year 5 |
| Amount of Dividend @4.25% illustrated rate of return | ||
|
Guaranteed: 1.308% p.a. Non-guaranteed: 2.442% p.a. Total: 3.75% p.a. |
Single Premium and 2-Year premium Term: Guaranteed: 0.9% p.a. and Non-guaranteed: 2.49% p.a. Total: 3.39% p.a. 3-Year premium Term: Guaranteed: 0.87% p.a. and Non-guaranteed: 2.43% p.a. Total: 3.3% p.a. |
Guaranteed: 1.44% p.a. Non-guaranteed: 2.19% p.a. Total: 3.63% p.a. |
| Return @4.25% illustrated rate of return for a 45 year old male (Cash Dividends assumed to be paid out)1 | ||
|
Year 40: 3.3% Year 50: 3.51% Year 60: 3.6% |
Year 40: 3.16% Year 50: 3.17% Year 60: 3.17% |
Year 40: 3.52% Year 50: 3.6% Year 60: 3.62% |
| Policy Term | ||
| Up to age 120 | Up to age 120 | Lifetime |
| How can you leave a legacy for your loved ones | ||
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You can appoint your spouse or child as the secondary insured and the policy will continue even after the original insured has have passed away. The policy will end on the policy anniversary of the original insured's 120th birthday. |
You can appoint your spouse or child as the secondary insured and the policy will continue even after the original insured has have passed away. The policy will end on the policy anniversary of the original insured's 120th birthday. |
You may transfer the policy ownership to |
| Brochure | Brochure | Brochure |
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Here are some common questions about
Luxe Plus Solitaire, Infinite Harvest Plus &
Infinite Harvest Plus (III)
1. Can the Monthly Cash Benefit be accumulated with the company to accumulate interest?
The plan is designed to pay out the MCB. However, the policy owner may choose to accumulate the Monthly Cash Benefit with the respective insurers at a non-guaranteed interest rate. Both Income and China Taiping's current non-guaranteed interest rate are 3% p.a..
2. Can the policy owner request to change the Monthly Cash Benefit from a paid-out option to accumulated option and vice versa after the policy is incepted?
Yes, the policy owner may request to change the paid-out option to accumulated option anytime during the payout period and vice versa.
3. Can the accumulated Monthly Cash Benefit be withdrawn at any time?
Yes. Partial or full withdrawal of the accumulated Monthly Cash Benefit is allowed at anytime during the policy term.
4. Does the policy owner need to provide proof of survivorship on the life insured to receive the Monthly Cash Benefit?
The insurer reserves the right from time-to-time to request for satisfactory proof that the life insured is alive before paying the Monthly Cash Benefit.
5. What happens if the insurer is not notified immediately of the life insured’s death and continues to pay out the Monthly Cash Benefit?
Any Monthly Cash Benefit paid on or after the date of the life insured’s death will be deducted from the death benefit proceeds
6. Can I change the Life Insured?
No, once the policy is incepted, the Life Insured cannot be changed. For Income's Luxe Plus Solitaire and China Taiping's Infinite Harvest Plus, you can name a Secondary Insured who can continue to receive the cash benefits until the Original insured age reaches 120 (even if the Original Insured has passed away before age 120)
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.
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