Best Investment-Linked Policy (ILP) Singapore 2026
ILPs may be considered by individuals seeking mid to long-term investment exposure together with insurance coverage. Their suitability depends on your financial needs, objectives, time horizon and risk appetite.
Competitive Quotes Over 15 Life Insurers
In the ever-changing financial landscape, a strategic investment is key to realizing your dreams. Tree Of Wealth excels in this, offering a careful selection from a range of over 10 investment-linked plans.
Our advisors tailor these plans to align perfectly with your financial goals and risk appetite, ensuring your investments pave the way for a prosperous future.
What is an Investment-Linked Policy?
An investment-linked policy, or ILP, is a life insurance policy that combines insurance protection with investment. Part of the premiums may be invested in selected funds, while insurance costs, policy charges and other applicable fees are deducted according to the policy terms.
The policy value depends on the performance of the selected funds after applicable fees and charges. Investment returns are not guaranteed, and the policy value may rise or fall.
Benefits of Investment-Linked Policy
Investment-linked policies provide access to a range of professionally managed funds, including retail and accredited investor funds where eligible. The available options should be assessed based on your financial goals, investment horizon and risk appetite.
Mid to Long-Term Wealth Accumulation
Build your wealth progressively through an investment-linked policy designed for medium- to long-term goals. Investment returns are not guaranteed.
Access Diversified Investment Options
Choose from professionally managed funds across different markets, sectors and asset classes. Fund selection should be based on your financial goals, time horizon and risk appetite.
Protection Alongside Investment
In the event of death, the policy provides a death benefit to your nominated beneficiaries, subject to the policy terms and conditions.
Best Investment- Linked Insurance Policy in Singapore
Singlife
Savvy Invest
Investment Period
Start-Up Bonus
AI Funds Access
Charges
Etiqa
Invest Builder
Investment Period
Start-Up Bonus
AI Funds Access
Charges
FWD Life
Invest First Plus
Investment Period
Start-Up Bonus
AI Funds Access
Charges
Thereafter 1-1.2%
Tokio Marine
#goTreasures
Investment Period
Start-Up Bonus
AI Funds Access
Charges
Tokio Marine
Atlas Wealth
Investment Period
Start-Up Bonus
AI Funds Access
Charges
Investment Period
Start-Up Bonus
AI Funds Access
Charges
Get the Best Investment- Linked Policy in Singapore 2026
Speak with an appointed financial adviser representative of Synergy Financial Advisers Ltd to compare selected ILPs across different providers.
Recommendations are subject to a suitability assessment based on your needs, financial situation, objectives, time horizon and risk appetite.
No upfront consultation fee unless otherwise stated. Policy fees, fund charges, insurance costs and other applicable charges may apply.
Frequently Asked Questions
ILPs are dual policies with two core components: insurance and investment. The premiums you pay are first used to purchase units in a sub-fund of your choice (investment). Subsequently, a portion of the units is then sold to pay for insurance and other charges, while the rest remain invested in the sub-funds.
When the sub-funds grow, so does your investment. As such, ILPs have become increasingly popular as a way of tackling two birds with one stone in recent years.
A participating whole life plan and an ILP are structured differently.
A participating whole life plan may provide guaranteed benefits and non-guaranteed bonuses determined through the insurer’s participating fund. An ILP allows premiums to be invested in selected funds, with its policy value affected by fund performance, fees, charges and insurance costs.
The appropriate option depends on the individual’s protection needs, financial objectives, time horizon and risk appetite.
ILPs often offer a diverse selection of funds that you can choose to invest in – usually over 90 or even hundreds or more unique individual funds based on your preferences. These include retail funds as well as Accredited Investor (AI) funds. Dividend-paying sub-funds can allow dividend payouts in cash or reinvestment of the payouts for compound investments.
There are currently two options for ILPs:
- Single Premium Policy: one lump sum premium payment to purchase units in a sub-fund. Offers lower insurance coverage compared to Regular Premium Policy
- Regular Premium Policy: on-going premium payment. Insurance coverage can be adjusted based on individual needs and preferences.
Inflation may reduce the purchasing power of money over time. Investing may provide opportunities for long-term wealth accumulation, but returns are not guaranteed and investments may not always keep pace with inflation.
Here we compare in-depth the charges, returns and break even yields for the ILPs in Singapore: Best Investment- Linked Policy Detailed In-Depth Comparison Singapore.
Starting earlier may provide a longer investment horizon and more time to ride through market fluctuations. It may also allow potential returns to compound over time, although investment performance is not guaranteed.
Regular investing can also encourage financial discipline by spreading contributions over time.
Regular contributions spread investments across different market conditions instead of investing the entire amount at one point in time. This may reduce the impact of market-entry timing, but it does not eliminate investment risk or guarantee better returns.
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