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How it Works
1 Aug 2025
Sarah signs up for SavvyEndowment 21 (4-year plan) and paid a single premium of S$20,000.
Sarah’s policy term is from 1 Aug 2025 to 31 Jul 2029. During this period, Sarah also receives coverage for death.
Scenario 1: Sarah receives the potential total returns of 2.05% p.a.1 based on the higher illustrated investment rate of return of 2.35% p.a.1
She receives S$1,692 at the end of year 4 on top of her capital of S$20,000.
Potential yield at the end of 4 years | |
|---|---|
100% capital guaranteed2 | S$20,000 |
Gains based on potential total maturity yield of 2.05% p.a.1 | (S$20,000 x102.05% p.a.1 x102.05% p.a.1 x102.05% p.a.1 x102.05% p.a.1) – S$20,000 = S$1,692 (comprises S$1,564 guaranteed returns and S$128 non-guaranteed returns) |
Scenario 2: Sarah receives only the guaranteed returns of 1.90% p.a.1 based on the lower illustrated investment rate of return of 2.12% p.a.1
She receives S$1,564 at the end of year 4 on top of her capital of S$20,000.
Guaranteed yield at the end of 4 years | |
|---|---|
100% capital guaranteed2 | S$20,000 |
Gains based on guaranteed maturity yield of 1.90% p.a.1 | S$20,000 x 101.90% p.a.1 x 101.90% p.a.1 x 101.90% p.a.1 x 101.90% p.a.1) – S$20,000 = S$1,564 |
1 Aug 2025
Sarah signs up for SavvyEndowment 21 (3-year plan) and paid a single premium of S$20,000.
Sarah’s policy term is from 1 Aug 2025 to 31 Jul 2028. During this period, Sarah also receives coverage for death.
Scenario 1: Sarah receives the potential total returns of 1.83% p.a.1 based on the higher illustrated investment rate of return of 2.18% p.a.1
She receives S$1,120 at the end of year 3 on top of her capital of S$20,000.
Potential yield at the end of 3 years | |
|---|---|
100% capital guaranteed2 | S$20,000 |
Gains based on potential total maturity yield of 1.83% p.a.1 | (S$20,000 x 101.83% p.a.1 x 101.83% p.a.1 x 101.83% p.a.1) – S$20,000 = S$1,120 (comprises S$1,024 guaranteed returns and S$96 non-guaranteed returns) |
Scenario 2: Sarah receives only the guaranteed returns of 1.67% p.a1 based on the lower illustrated investment rate of return of 1.94% p.a.1
She receives S$1,024 at the end of year 3 on top of her capital of S$20,000
Guaranteed yield at the end of 3 years | |
|---|---|
100% capital guaranteed2 | S$20,000 |
Gains based on guaranteed maturity yield of 1.67% p.a.1 | (S$20,000 x 101.67% p.a.1 x 101.67% p.a.1 x 101.67% p.a.1) – S$20,000 = S$1,024 |
No, the life insured covered must also be the policy owner.
Foreigners who are Singapore Permanent Residents (PR) currently residing and paying tax in Singapore only may apply.
Yes. You can purchase more than one policy. You should consider your financial commitments when deciding on the amount of premium for this plan.
No, SavvyEndowment 21 is available via direct debit from your DBS/POSB bank account or from your DBS Supplementary Retirement Scheme (SRS) account. However, you can purchase more than 1 SavvyEndowment 21 policy.
The maturity benefit will be paid out to you at the end of your policy term.
- PayNow registered with Singapore NRIC/ FIN. Payment will be processed within 1 working day from the maturity date. PayNow is only applicable for payouts up to S$200,000 to the policy owner's Singapore bank account.
- Electronic Fund Transfer (EFT). Payment will be processed within 3 working days from the maturity date.
- Supplementary Retirement Scheme (SRS) account. Payment will be processed within 7 working days from the maturity date.
* Please take note that if the maturity date falls on a weekend or Public Holiday, it will be processed the next working day
For Cash policies, we will pay the maturity benefit to the DBS/POSB bank account that you pay your premiums from. This is the default maturity payout option. If this account is not active at your policy maturity date, we will pay out the maturity benefit to you via cheque.
For SRS policies, the maturity benefit will be credited into your SRS account.
