Invest flex wealth II

Start strong. Stay rewarded.

Your consistency deserves recognition.

• Accelerate your investment early. Receive a start-up bonus of up to 75%¹ in your first year to give your portfolio a head start.
• Stay the course. Earn a 3% special bonus on your regular premiums from as early as your sixth policy year^2,3.
• Be rewarded for commitment. Receive a 0.1% per annum loyalty bonus³ on your account value once your premium term ends.

Your discipline today becomes the foundation of your confidence tomorrow.

Flexibility made for real life.

Because life changes, your plan moves with you.

• Choose what fits your goals. Pick a premium term between 3, 5, 10, 15 and 20 years to match your milestones.
• Pause when you need to. Enjoy a premium-free period that keeps your policy growing even when you take a break³.
• Access your funds with ease. Make two free withdrawals³ from your fourth policy year onwards to manage unexpected needs.
• Grow at your pace. Top up your premiums anytime to build your investment further.

Protection that gives you peace of mind.

Focus on your goals knowing that you and your loved ones are protected.

• Coverage that protects your loved ones. Receive the higher of 101% of total premiums paid⁴ or your regular premium account value in the event of death or terminal illness.
• Continued assurance. With Extra secure waiver II, your policy continues without premium payments if the life insured is diagnosed with any of the 37 covered severe-stage critical illnesses.

¹For policy with 20 years premium term. Start-up bonus varies by premium term, please refer to the policy contract for more details.

²For policy with 10 years premium term.

³Please refer to the policy contract for details.

⁴Upon the death of the life insured while the policy is in force, the death benefit payable is the sum of:

• 101% of (total regular premium paid less all partial withdrawals made from the regular premium account) or the regular premium account value, whichever is higher; and
• Top-up account value,

less any amounts owing to us.

Max, age 45 and a non-smoker, wants to build his retirement fund. He signs up for Invest flex wealth II with a payment term of 10 years at S$10,000 in annual premium.

Over time, his discipline pays off. His investment grows with start-up, special and loyalty bonuses. He enjoys the flexibility to adjust his plan and the protection that keeps his loved ones secure.

Policy fees and charges apply. Please refer to the policy contract for full details of the terms and conditions.

The scenario above is for illustration purposes only. Figures shown above are rounded to the nearest dollar.

The illustrated dividend payout is 6.73% p.a. under an illustrated investment return of 8%, and 2.73% p.a. under an illustrated investment return of 4%.

The above illustrated values are based on illustrated investment rate of return of 8% per annum. Illustrated values based on illustrated rate of return of 4% per annum are cited in the footnote below. The two rates, 8% per annum and 4% per annum, are used purely for illustrative purposes only, are non-guaranteed and do not represent the upper and lower limits on the investment performance of the selected funds. The actual benefits payable will vary according to the future performance of the selected funds. Past performance or any forecasts are not necessarily indicative of the future or likely performance of your selected funds.

⁵Dividend means payment of distribution under certain funds. Etiqa has the sole discretion to determine the distribution payable for the units in that fund; the rate and frequency of such payment of distribution; and/or the method of distribution. Please refer to policy contract for more information.

⁶Please see the figures below for illustrated values based on the illustrated rate of return of 4% per annum.

• Age 68: Illustrated account value before payout option change is S$129,496. Annual dividend ranges between S$3,331 to S$3,485 from Age 68 to Age 80 (13 years).
• Age 81: Death benefit is S$123,300. Total dividend paid is S$44,302. The total death benefit and dividends are S$167,603 (1.8x of premiums paid).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as of 29 October 2025.

Etiqa Insurance is a member of Maybank Group, and is an underwriter for both Life & General Insurance policies. The benefits of any life insurance products shown in the above information are subjected to individual policy terms and conditions. Please refer to Important Notes for details.