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An Investment-Linked Policy (ILP) is a life insurance policy which provides a combination of investment and protection.

Through Grow, you invest in portfolios that are managed by abrdn (formerly known as Aberdeen Standard Investments), who have world-class investment expertise.

More than just investment

Grow is an Investment-Linked Policy (ILP) that offers a combination of investment opportunities and insurance protection.

No lock-in period

Start investing with a minimum amount of S$1000. 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.

Customisable portfolios

Set up as many plans as you want for your different financial goals. Give each any name you like! Note that you can only choose one of the three portfolios per application based on your risk appetite.

Simplified portfolios

Carefully constructed, closely monitored and rebalanced to achieve intended investment objectives.

Easily managed in one app

Along with Singlife Account, you get to save, earn, spend, invest and be insured easily.

Who's eligible for Grow?

How it works

Grow is nestled side by side with our Singlife Account to provide diversified investment opportunities beyond what is offered in the Singlife Account.

Like other ILPs, Grow 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, Grow provides life cover in the event of death and terminal illness. In the event of death or terminal illness, your loved ones will receive the higher of: 101% of your Net Premiums or your Account Value. Here's how it works.

What is net premiums?

What is account value?

Coverage against death and terminal illness

Different portfolios for different risk profiles



The investment objective of this portfolio is primarily capital preservation.


Fund allocations

20% Equities

80% Fixed income

This could be right for you if:
  • You are just starting your journey with investing.
  • You prefer taking on less risk.
  • You are comfortable with lower returns.



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

Fund allocations

50% Equities

50% Fixed income

This could be right for you if:
  • You have a moderate risk tolerance.
  • You seek a modest return on your investment.
  • You are comfortable with some volatility in return for a potentially higher investment performance.



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

Fund allocations

80% Equities

20% Fixed income

This could be right for you if:
  • You have a higher risk tolerance.
  • 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 it is required for Grow?

From 2012, to safeguard customers’ interest, the Monetary Authority of Singapore (MAS) required financial institutions to assess whether they 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.

Hence, CKA is needed to assess customers’ knowledge or experience before they can invest in Grow.

What is the criteria to pass CKA?

Start investing today

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

A financial institution you can trust

Licensed by MAS

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

Protected by SDIC

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

Got any questions?

What are the key features of Grow plan?

What are the minimum investment amount?

What happens if I do not meet the CKA requirements?

Any lock-in period for my investment?

Can I invest in specific ILP sub-fund(s)?

What are the charges payable?

What does the basic benefits cover?

Can I make partial withdrawals?

How often will I need to go through the CKA?

What is Singlife's Model Portfolio?

Grow Bonus Return Campaign

Earn additional 0.5% p.a.

on your first S$10,000 on top of the base return for your Singlife Account* from 1 July 2021 to 31 December 2022# when you invest with Singlife’s Grow, our investment-linked policy.

*Base return has been revised to 1% p.a. for the first S$10,000 in your Singlife Account from 1 Jul 2021.
#Your Grow policy has to be in force by 30 Nov 2022 to qualify.

The information on this page is meant for your general knowledge and does not regard any specific investment objectives, financial situations or particular needs any person might have. Nothing on this page constitutes the provision of financial advice.

Before making a commitment to purchase this product, you should consider whether the product is suitable for you by referring to the product summary, terms and conditions and FAQs. Alternatively, you may wish to seek advice from a financial adviser before making a commitment to purchase this product.

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is accurate as of January 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