Smart Retirement

Guaranteed yearly cash payout immediately after your premium payment term.



 Guaranteed Payout 

Smart Retirement is a limited-pay regular premium endowment plan with yearly guaranteed cash payment during the Guaranteed Cash Payment (GCP) payout period.

Why do I need Smart Retirement?

Don’t I already have EPF?

70% of retirees use up all their EPF money within 3 years after retiring.* According to the Personal Money EPF Poll, 80% of the 353 respondents thought that their EPF money would not be enough for their retirement. **

*Sunday Star, 27 May 2007
** Personal Money, August 2009

Your retirement life should be one free of worry on loans, children’s education or mortgages. Your lifestyle should not change when you stop working. You should pursue your dreams – travelling around the world, experience the safari or even stay in the Ice Hotel.

Let Smart Retirement realize your retirement dreams.


What do I get out of it?

You enjoy life insurance protection throughout the policy term whilst receiving yearly Guaranteed Cash Payment up to 8.5% of the contractual premium. The accumulation option to defer the cash payout benefit to maturity date gives you more flexibility in planning your retirement.

What are the benefits?

Can I apply for this scheme?

How much can I be insured for?

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