Best investment linked policy singapore
Choosing the right investment-linked policy (ILP) can be tricky, especially with so many options available. In this guide, we compare the best investment-linked policies in Singapore for 2026, analysing their features, returns, and protection benefits to help you make an informed choice.
InterestGuru.sg presents a list of the 6 Best Investment Linked Policies (ILPs) for your insurance coverage and wealth accumulation needs:
What Makes a Good Investment Linked Policy?
The main objective of any Investment Linked Policy should be for wealth accumulation through dollar cost averaging. By investing regularly over a longer period of time, you ride out volatility to achieve long-term market growth in your investment plan.
There are mainly 2 types of Investment Linked Policy (ILP) in the market focusing on:
High Wealth Accumulation – Investment Linked Policies (ILP) in this category have a high initial capital boost to buffer for market volatility (initial negative market conditions) or enhance returns (initial positive market condition) of your investment plan. However, the boost will be negated due to high yearly product charges. Withdrawal and encashment are usually heavily penalized which reduces your returns in your investment plan.
High Insurance Coverage – Investment Linked Policies (ILP) in this category allow riders to cover Critical Illness, Early Critical Illness, and Total Permanent Disability. The coverage for Death and Total Permanent Disability is also significantly higher. However, insurance charges and mortality charges will start to cause a reduction in your financial returns at the later life stages. Hence, options to remove insurance coverage and focus on investment returns will be an excellent feature.
For more on how pre-existing conditions can affect your application, see our guide on how pre-existing medical conditions can affect your insurance application. If you are also considering guaranteed-return options, see our roundup of the best savings and endowment plans in Singapore.
The Best Investment Linked Policies (ILP) for Coverage and Wealth Accumulation
The investment linked policies are hand-picked due to their product features and unique selling points.
Our criteria for picking the best Investment Linked Policies (ILP) are as of below:
Flexibility and range of available sub-unit trust funds
Options for removing protection coverage
Policy charges on the Investment Linked Policy (ILP)
Available protection coverages
Unique product features
Get Quote: Compare and get your Investment Linked Policies quotes across different insurers
Note: The Investment Linked Policies (ILP) listed below are not ranked in any priority. Expect a break-even period of 10 to 15 years for all Investment Linked Policies (ILP) as most of the premiums paid in the initial years are used to pay for policy charges/admin fees and insurance charges.
For a broader look at how ILPs work and whether one is right for you, see our guides on how does Investment Linked Policy work and is an Investment Linked Policy right for me.
Best Investment Linked Policy (ILP) for Policy Charges – FWD Invest First Summit
FWD Invest First Summit, one of the newest Investment Linked Policy (ILP) offered by FWD Insurance whom recently just entered the life insurance market.
What we like about FWD Invest First Summit is it’s relatively low minimum regular premium ($300/month) to kick start your wealth accumulation journey. You do not need a huge amount to start investing, do yourself a favor, start investing in small amount as soon as possible to kick start your wealth accumulation journey!
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