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    logo
    Invest starter

    Build the wealth you want starting with S$100 a month

    Find out more
    Invest starter

    Build the wealth you want starting with S$100 a month

    Find out more

    Register now to stack these rewards:

    S$20 cash when you meet with an Etiqa Assurance Manager + Up to S$2,500 cashback when you invest with Etiqa

    Your financial goals are within reach

    You’ve been thinking about how to achieve your financial goals, but you want to enjoy your lifestyle as it is.

    Invest starter from Etiqa, a regular premium investment-linked plan, allows you to invest as little as S$100 per month1.

    That way, you continue to have the income to spend on the things that make you happy while watching your money grow.

    Enjoy these benefits with Etiqa Invest starter

    Small commitment

    Just takes S$100 per month1 to start investing.

    More protection, more rewards

    Get extra bonus of up to 10% of first-year premium of an eligible plan that you sign up for yourself or a family member.

    View eligible plans

    Access to exclusive portfolio funds 

    Enhance your investment strategy with portfolio funds that have been curated by in-house experts and switch them anytime without charges2.

    Flexibility to meet your needs

    Opt to reduce your premium, make partial withdrawals or activate premium holiday from the 6th policy year at no charge when you need it.

    Low policy charges

    Enjoy low policy charge of 0.80%1 of the monthly average account value and get a refund from the start of the 4th policy year for every 3 years3

    Hassle-free application

    No medical check-ups needed for the base plan.

    Death & terminal benefit

    Get a payout that is higher of your account value or 105% of net premiums4, less any outstanding amount

    Optional health riders

    Add-on Accelerated Critical Illness or Extra disability care rider for that additional coverage.

    More rewards with every add-on protection

    Receive extra reward5 of up to 10% of your first-year premium of an eligible plan that you sign up for yourself or your family.

    List of eligible plans
    Open

    Plans Amount of reward based on % of first-year annual premium
    Invest builder and rider (if any) 5%
    Essential whole life cover and rider (if any) 10%
    Essential term life cover and rider (if any) 5%
    Essential Cancer Care cover and rider (if any) 10%
    ePROTECT mortgage and rider (if any) 10%

    Terms & conditions apply. Please refer to the policy contract for more details.

    Enjoy up to S$2,500 cashback when you invest with Etiqa 

    Terms and conditions apply.

    Act now

    How it works


    Mike, age 25, non-smoker

    Looking for: 

    • Just started on his first job, and would like to sign up for an investment-linked plan that doesn't require high capital to begin. 

    Opts for: 

    • Invest starter with monthly premium of S$100

    Policy fees and charges apply. Please refer to the policy contract for full details of the terms and conditions.
    The scenario(s) above are for illustration purposes only.

    *The above illustrated values are based on illustrated investment rate of return of 8% per annum. Should the illustrated investment rate of return be 4% per annum (p.a.), the illustrated policy value would be S$57,178 at age 59, The two rates, 4% p.a. and 8% p.a., are used purely for illustrative purposes only, are non-guaranteed and do not represent the upper and lower limits of 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.

    Leave your details below

    The team is ready to assist you with any queries. Share your details, and Etiqa will reach out by the next working day, or start an instant WhatsApp chat with them.

    Plus, get S$20 cash when you meet with an Etiqa Assurance Manager for a financial health check - no purchase needed. T&Cs apply.

    Learn more about How We Use Your Information for Marketing, Singtel's Data Protection Policy and Etiqa's Personal Data Policy (Singapore).

    Useful Information

    Product summary:

      Invest starter

    Product brochure:

      Invest starter

    Policy contract:

      Invest starter

      Advanced CI rider

      Extra disability care rider

    Others:

      Semi-Annual Funds Report: 2023

    Understand the details before buying

    Promotion terms and conditions

    Click here for the terms and conditions for the up to S$2,500 cashback promotion
    Click here for the terms and conditions for the "Meet with an Etiqa Assurance Manager" promotion.

    Footnotes

    1. Subject to policy terms & conditions
    2. Etiqa reserves the right to revise the fund switch charges (if applicable) by giving 30 days’ written notice.
    3. The policy charge refund is in the form of additional units for every completed 3 years, provided that no partial withdrawal is made.
    4. Net premium refers to the total premium paid plus top-up(s), less any partial withdrawal.
    5. The reward will be credited to Your policy in the form of additional units to Your Account value in accordance to the investment portfolio chosen by You. The additional units will be purchased based on the unit price on the next valuation date. Please refer to the policy contract for more details.

    Disclaimer

    Terms and conditions apply.

    As an introducer, Singtel is not permitted to give advice or provide recommendations on any investment product to you; or arrange any contract of insurance in respect of life policies, other than to the extent of carrying out introducing activities. Singtel may be remunerated by Etiqa Insurance Pte. Ltd (UEN: 201331905K) (“Etiqa”) for each successful referral. Singtel will disclose the amount of the successful referral remuneration it receives from Etiqa in respect of your referral if requested by you. Please direct all insurance enquiries to Etiqa (https://www.etiqa.com.sg/).

    This policy is underwritten and distributed by Etiqa. This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

    Invest starter is an Investment-linked Plan (ILP) which invest in ILP sub-fund(s). Investments in these plans are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s). 

     
    A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from Etiqa via https://www.etiqa.com.sg/portfolio-funds-and-ilp-sub-funds. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s). 
     
    As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

    This policy is protected under the Policy Owners’ Protection Scheme  which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Etiqa or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg). 
     
    This advertisement has not been reviewed by the Monetary Authority of Singapore. 

    Information is correct as at 21 February 2025. 

    Discover other wealth accumulation plans

    Get up to S$2,500 cashback 

    Singtel Growth Assure
    Invest smart flex

    Underwritten by Etiqa.

    Get a start-up bonus up to 80% of premiums1

    • Receive multiple bonuses
    • The ability to activate premium-free period from 6th policy year1

    • No medical check-up required for basic plan

    Learn More

    Get up to S$2,500 cashback 

    Singtel Growth Assure
    Invest builder

    Underwritten by Etiqa.

    Start investing from S$200 a month2

    • Accelerate your potential returns with multiple bonuses
    • Free and unlimited fund switching

    • No medical check-up required for basic plan

    Learn More

    Back to Singtel Wealth Protect


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