Guide to NTUC Income Investment-Linked Policies [2023]


NTUC Income Investment-Linked Policies

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NTUC Income Investment Linked Policies

Table of Contents

NTUC Income offers a range of 4 different investment-linked policies. In this article, we will be collating and summarising each product in each category.

NTUC Income VivaLink

NTUC Income VivaLink: Obsolete

NTUC Income’s VivaLink is a well-structured investment-linked policy offering you to stay insured while growing your investments. VivaLink offers flexibility to customise a plan suited to your needs.

From as low as S$100 a month, you can choose your death and total and permanent disability (TPD) coverage amount with guaranteed issuance for the first 10 policy years.

If death and TPD is caused due to an accident, you receive up to an additional 100% of the sum assured or $100,000 (whichever is lower).

Your monthly premiums are also used to purchase unit funds to grow in value. Through this plan, regular investing helps you benefit from dollar-cost averaging, making it smoother for potential market fluctuations.

The NTUC Income VivaLink allows you to change your monthly investment amount, make top-ups, or to withdraw at any time you like. You also can switch between funds at no charge. It is critical to note that there are minimum transaction amounts and minimum balances in place before you can do so.

At different specified life stages, you can opt to exercise either or both of the following

  • Increase death and TPD coverage without health reassessments
  • Receive bonus units for increases in your regular premiums


It also provides you with 5% of special bonus allocations for your premiums on the 15th and 20th year.

Riders include the Dread Disease Cover (ILP), Dread Disease Premium Waiver (ILP), Payor Premium Waiver, Enhanced Payor Premium Waiver, and Total Protect.

There is also the retirement option where you can reduce your coverage amount to 0 after the 10th policy year to accumulate more wealth. The amount of returns you get from this ILP depends on the performance of funds chosen.


  • Insurance-focused ILP
  • Premiums start at S$100 monthly
  • Coverage against death and TPD
  • Coverage against accidental death and TPD
  • Flexibility to change monthly investment amounts
  • Top-ups and withdrawals available
  • Free fund switching
  • Option to increase your sum insured at various life events
  • 5% bonus allocations in the 15th and 20th year
  • Retirement option to remove coverage and growth wealth instead
  • Choose from 5 riders


NTUC Income VivoLink

NTUC Income VivoLink: Obsolete

NTUC Income’s VivoLink is an investment-linked plan that allows you to earn better returns to meet various milestones in your life.

VivoLink offers you the ability to choose funds that match your financial goals and also how long you want to invest in them.

As there are uncertainties, you could change the amount you wish to invest each time and make withdrawals as often as you wish. They also offer up to 24 months of premium holiday if you are retrenched and can’t find employment for 3 continuous months.

Of course, in good times, you could make top-ups as well.

A team of experts manages your funds, making your experience seamless while helping you build your financial structure in the long-run.

With NTUC Income’s VivoLink, switching investments between available funds are made easy since there’s no fund switching charge. In fact, their annual management fees are approximately 35% lower than other funds in the market – meaning higher potential returns for you.

In terms of coverage, you are covered for death and TPD, accidental death, and dread diseases with no extra charges.


  • Choose from a wide range of funds
  • Change your investment amount as you wish
  • Withdrawals are available
  • Top-ups to the policy are available
  • Retrenchment premium waiver of up to 24 months
  • Free fund switching
  • Low annual management fees
  • Covered against death, TPD, and dread diseases
  • Covered against accidental death


NTUC Income FlexiLink

NTUC Income FlexiLink: Obsolete

NTUC Income’s FlexiLink is a single premium investment-linked plan that helps you get started with investing.

With a minimum premium of S$5,000, you can invest using CPF Ordinary Account or CPF Special Account.

You also can choose 2 funds from a variety of options and incur low annual management fees that are 35% lower than other market funds.

Through FlexiLink, you also have the ability to top-up your investments with a lump sum and withdraw part of your investments as often as you wish. You also have 2 free fund switches a calendar year.

In terms of coverage, you are covered against death and TPD at no extra charges.


  • Single premium ILP
  • Minimum premium of S$5,000
  • Invest using CPF-OA or CPF-SA
  • Choose 2 funds per policy
  • Withdrawals are available
  • Top-ups are available
  • Low annual management fees
  • 2 free fund switches a year
  • Coverage against death and TPD


NTUC Income GrowthLink

NTUC Income GrowthLink: Obsolete

NTUC Income’s GrowthLink is an investment-linked plan that helps kick start your investments with potentially higher returns and low management fees. You can begin with a single premium investment of S$10,000.

With GrowthLink, you can invest in funds that are being monitored continuously by investment professionals, making it easier for you to decide what suits your financial needs.

GrowthLink also offers a wide range of funds to choose from to cater to your financial goals. You can make top-ups, withdrawals, and also make free fund switches.

Despite active management, the annual management fees are about 35% lower than other market funds.

It also provides coverage against death and total and permanent disability at zero additional charges.


  • Single premium ILP
  • Minimum premium of S$10,000
  • Withdrawals are available
  • Top-ups are available
  • Low annual management fees
  • Unlimited free fund switches
  • Coverage against death and TPD



Yes, NTUC Income offers a wide range of investment plans for you to choose from. The mentioned products are summaries of each plan, and there are terms and conditions applied for each of their features.

Although some of the plans look highly attractive, not every plan is suited for you, and not every plan is as attractive as it seems. Thus, it is always advisable for you to conduct your thorough research before deciding to purchase any financial plans for yourself.

Check out our best ILPs in Singapore guide to help you with this.

If you’re still unsure of what you should be getting for yourself, always engage a trusted financial advisor. This makes sure that your different needs and wants are taken into consideration and plans are recommended based on your unique scenario.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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