MoneyBack

6% guaranteed cashback^ EVERY YEAR starting from Year 2

• Increase sum assured
  You can have the option of increasing your basic sum assured during your 1st policy year, subject to underwriting.
• Increase total payout and savings power
  Whenever you choose to reinvest** your cash coupons, you increase your plan's saving power. Reinvested coupons earn interest at 3% p.a., a rate that's higher than the savings account rate of 0.125% p.a., giving you greater returns upon maturity.
• Partial withdrawal of accumulated cash coupons
  MoneyBack is a flexible plan that allows you to withdraw your accumulated cash coupons either partially, or wholly at any time, subject to a minimum withdrawal amount of S$1,000, or the balance cash coupons available.
• Full sum assured will be payable regardless of cash coupons paid
  In the event of death, total and permanent disability, or terminal illness, the full sum assured will be payable regardless of any cash coupons already paid.
• Protection against death, total and permanent disability, terminal illness, and accidental death
  In addition to the full basic sum assured payable upon death, total and permanent disability, or terminal illness, you get 2X the cover in the event of accidental death.
• Optional benefits^† 
  You can choose to increase the protection of your MoneyBack plan with optional benefits^† like the following riders:

^ Cashback refers to coupon payouts received via cheque or via direct credit into your bank account. The guaranteed cashback from end of policy year 2 to 19 is 6% of the sum assured.
** Reinvested coupons will earn an interest of 3% per year. The interest rate is not guaranteed and is subject to change. 
^† Additional premiums payable on top of the premiums for the basic plan.