Retirement is an opportunity

Enjoy freedom to decide how you really want to live it, by making the most of your savings 

Steady monthly income for 10 or 15 years during the selected income period

Because a sure thing adds to anyone's chances for a good life.

Maximise what you already have

Use cash or Supplementary Retirement Scheme (SRS) to pay premiums.

One-time payment retirement plan

A single premium plan to keep your retirement planning simple.

Free up your time, without losing a salary

With a monthly income in place, there's so much more you can do with your retirement 

Key benefits Coverage / Options
Single premium payment One-time premium from as little as S$23,8251
Accumulation period for the amount invested 5 years or 10 years
Choice of income solutions

Receive Guaranteed Monthly Income2 for 10 years or 15 years

Opt for partial or full lump sum payout with Projected Bonuses3

Guaranteed returns Enjoy guaranteed returns of up to 1.81%4 per annum at policy maturity
100% capital guaranteed At the end of the accumulation period
Hassle-free application No medical check-ups needed
Choose your payment mode Cash or Supplementary Retirement Scheme (SRS)

Ready to talk about retirement?

Make an appointment with us or speak to your preferred financial adviser representative.

Terms and Conditions apply.

For complete details, please refer to the product brochure and product summary or speak to your preferred financial adviser representative.

1The single premium of S$23,825 is calculated based on 10 years accumulation period and 10 years payout period with a Guaranteed Monthly Income of S$250.

2You will receive your Guaranteed Monthly Income over your selected Income Period. Payments of the Guaranteed Monthly Income will start one month following the end of your selected Accumulation Period, with the final Guaranteed Monthly Income paid at maturity. 

3Projected Bonuses (Maturity Payout) consist of the non-guaranteed Reversionary Bonus accrued over the policy term, together with the Terminal Bonus. The Reversionary and Terminal Bonuses are non-guaranteed bonuses and depends upon the performance of Aviva Ltd's Participating Fund. Reversionary Bonus is non-guaranteed, but once declared and vested, it forms part of the guaranteed benefit of the policy. Terminal Bonus is non-guaranteed and it may be credited upon an insurance claim, surrender of the Policy or upon policy maturity. The non-guaranteed benefits are projected based on 4.50% projected investment rate of return and actual benefits payable will depend on the future performance of the Life Participating Fund. For more details, please refer to the Product Summary.

4The guaranteed returns vary depending on the different combination of Accumulation Period and Income Period chosen. It also varies with the Guaranteed Monthly Income chosen. This is published for illustration purposes. Based on MyIncomePlus for male, 50 years, Age Next Birthday, accumulation period of 10 years, Income period of 15 years and Guaranteed Monthly Income of S$1,000. Fixed returns of up to 1.81% per annum is only upon policy maturity. Total Yield to maturity of up to 3.99% per annum is not guaranteed. The non-guaranteed benefits are projected based on estimated bonus rates and actual bonus payable will depend on the future performance of the Life Participating Fund. For more details, please refer to the Product Summary.

The policy is underwritten by Aviva Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor's offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser representative, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.

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. This is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information last updated in Sept 2018.

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 Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites ( or