The single premium investment-linked life policy offers investment opportunity as well as life insurance protection by up to as much as 27% of the single premium paid. As its name suggests, policy owners pay a single lump sum premium. The benefits of this plan are directly linked to the performance of the investment options (funds) chosen by the policy owner in accordance with their risk preference.

The single premium paid is used to purchase units in the selected funds. The value of the policy is linked to units in those funds and fluctuates according to the performance of the underlying assets in these funds.

Purchasing an investment-linked life policy is a long-term commitment. An early surrender of the policy may involve high cost and the surrender value is dependent on prevailing market values of the underlying assets of the fund. Therefore, the surrender value may be less than the total premiums paid.

The policy is denominated in foreign currencies like the US$, Euro and SGD. The returns of the selected funds are not guaranteed but are dependent on the performance of the underlying assets. Like all investments, there are risks. The investment and currency exchange risks are borne by the policy owner. Past performance may not be indicative of future performance.