Singlife Sure Invest | Investment-Linked Plan (ILP) | Singlife Singapore

Singlife Sure Invest

Investing for busy people

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Investing made simpler

Singlife Sure Invest is an investment-linked life insurance plan that provides a flexible combination of investment and protection, including death and terminal illness benefits. Through Singlife Sure Invest, you can invest in portfolios that are managed by world-class investment experts abrdn (formerly known as Aberdeen Standard Investments).

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More than just investment

An Investment-Linked Policy (ILP) that offers both investment opportunities and insurance protection


No lock-in period

Start investing with a minimum amount of S$1,000. Make withdrawals anytime with no lock-in period or penalty


Death benefit

Be covered against death and terminal illness at 101% of the net premiums; or account value, whichever is higher


Caters to your risk appetite

Choose from 3 simplified portfolios. Set up as many plans as you want!


Manage it all in one app

Along with the Singlife Account, you can save, earn, invest and be insured all in one place

How Singlife Sure Invest works

Singlife Sure Invest is a flexible investment-linked life insurance plan which nestles side by side with our Singlife Account to provide diversified and flexible investment opportunities beyond what is offered with the Singlife Account.

Like other ILPs, Singlife Sure Invest does not provide guaranteed returns. Investment returns are based on your portfolio performance, where the value of the units and the income accruing to the units, if any, may fall or rise. As such, you need to select portfolios that meet your investment objectives and risk profile.

Protection-wise, Singlife Sure Invest provides life insurance cover in the event of your death and terminal illness. Your loved ones will receive the higher of 101% of your Net Premiums or your Account Value.

What are net premiums?


Net premiums refer to the initial single premium plus any recurring single premium, ad-hoc premium, less any partial withdrawals.

What is account value?


Account value refers to the value of your portfolio at a point of time.

Three portfolios to cater to your risk appetite


Low Risk

The investment objective of this portfolio is primarily capital preservation.

Fund allocation
20% Equities
80% Fixed income

Choose this if:

  • You are just starting your journey with investing.

  • You prefer taking on less risk.

  • You are comfortable with lower returns.


Medium Risk

The investment objective of this portfolio is to achieve significant capital appreciation with some tolerance for market volatility.

Fund allocation

  • 50% Equities
  • 50% Fixed income

Choose this if:

  • You have a moderate risk appetite.

  • You seek a modest return on your investment.

  • You are comfortable with some volatility in return for a potentially higher investment performance.


High Risk

The investment objective of this portfolio is to achieve a high degree of capital growth with a high tolerance for market volatility.

Fund allocation

  • 80% Equities
  • 20% Fixed income

Choose this if:

  • You have a higher risk appetite.

  • You are comfortable with managing significant fluctuations with your investments, in return for potentially higher returns over the long term.

The Customer Knowledge Assessment (CKA)

Why is the CKA required for Singlife Sure Invest?

The CKA is needed to assess customers’ knowledge or experience before they can invest in Singlife Sure Invest.

Since 2012, to safeguard customers’ interest, the Monetary Authority of Singapore (MAS) required financial institutions to assess whether customers have the knowledge or experience to understand the risks and features of unlisted Specified Investment Products (SIPs), such as ILPs and unit trusts, before allowing them to purchase the product.

What is the criteria to pass a CKA?


Questions to be answered under a CKA relate to one’s educational qualifications, investment experience, and work experience. If you meet at least one of the following criteria, you are deemed to possess the knowledge or experience needed to purchase Singlife Sure Invest:

  • Have the relevant educational qualifications.
  • Have the relevant professional finance-related qualification.
  • Have a minimum of 3 consecutive years of relevant working experience in the past 10 years.
  • Have made at least 6 transactions in ILPs or unit trusts in the last 3 years.
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Start investing today

Invest and be insured within minutes with Singlife Sure Invest, the digital investment-linked policy.

Scan the QR code to download the Singlife App from Apple App Store and Google Play Store

A financial institution you can trust

Licensed by MAS

Singapore Life Ltd. (Singlife) is a direct life insurer licensed by the Monetary Authority of Singapore (MAS).

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Protected by SDIC

All policies, including the Singlife Account are covered under the Policy Owners’ Protection (PPF) Scheme administered by the Singapore Deposit Insurance Corporation (SDIC). The PPF Scheme protects policy owners in the event a life insurer which is a PPF Scheme member fails.

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This policy is underwritten by Singapore Life Ltd.


This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. You may get a copy of the Product Summary from us and the participating distributor's offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If 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 premium paid. Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The value of the units, and the income accruing to the units, may rise or fall. Past performance of the ILP sub-fund(s) is not necessarily indicative of future performance. This is not an insurance contract. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.


This advertisement has not been reviewed by the Monetary Authority of Singapore. The information is accurate as of August 2022.


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 us or visit the Life Insurance Association or SDIC websites ( or