*The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.

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*The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.

Get a quote
Save for a better tomorrow
Want to achieve different goals after 5 years? WeSave E1 Insurance Plan (the "Plan" or “WeSave E1”) guarantees a rate 3.1% p.a., which means you can get a guaranteed cash value up to 116.5% of total premium paid upon maturity, getting you closer to your goals. You can enjoy a 5-year guaranteed return when the Plan reaches maturity with just a single premium payment.
Competitive guaranteed return
Our new savings insurance product provides you the guaranteed cash value up to 116.5% of the total premium paid when the policy matures, representing a guaranteed rate of 3.1% p.a., making the most of your investment with minimum risk.
Hassle-free wealth management
Too busy to manage your investments? Live in the moment and leave the wealth management to us. You can simply sit back and await our great return to help you achieve your goals. The maximum savings amount is USD1 million.
Start your savings insurance plan anytime
The Plan is simple and straightforward. You can apply for the Plan anytime by making a single premium payment through online transfer1.
Want to know how much you can get after 5 years?
Try our savings calculator to calculate your returns.

Savings amount

USD

US$4,000

US$1,000,000

Guaranteed Return
upon Maturity

USD 116500

Guaranteed Rate up to
p.a.* at the end of
the 5th year

End of
Policy Year
Total Premium Paid
(USD)
Guaranteed Cash Value
(USD)

The calculator is for illustration only and does not account for levy payment. The Guaranteed Cash Value illustrated may differ slightly from the actual benefit amount payable due to rounding differences.

*The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.

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Kick-start a bright future ahead
Live outside the box with a steady return

Begin early to aim for more25-year-old Charlotte is having a stable income. She wishes to accumulate wealth through steady return but does not have much investment knowledge. She applies for WeSave E1 Insurance Plan and pays a single premium of USD20,000. After 5 years when the Plan matures, she gets all principal amount and guaranteed returns of USD 3,300. She gains a total return of 16.5% with the guaranteed rate of 3.1% per annum.

Charlotte

Begin early to aim for more

Plan now for the new journeyTommy, at the age of 30, is taking on more obligations and strives for financial freedom. Amidst market uncertainty, Tommy hesitates in taking risks in the stock market. He plans to keep a part of capital as savings for stable wealth accumulation. He applies for WeSave E1 Insurance Plan and pays a single premium of USD50,000. After 5 years when the Plan ends, he gets all principal amount and USD8,250 guaranteed returns.

Tommy

Plan now for the new journey

Prepare for the next adventurePeter, at the age of 55, is planning for retirement. He sold his property as retirement funds. Due to market conditions, he aims at getting a stable guaranteed return to accumulate wealth. Therefore, he applies WeSave E1 Insurance Plan and pays a single premium of USD800,000. When the Plan matures after 5 years, he gets all principal amount and USD132,000 guaranteed returns to start his retirement life earlier.

Peter

Prepare for the next adventure

Key Features and Benefits 2
Get to know more about the Plan
Key Summary Key Coverage
Basic Information
Policy Currency USD
Issue Age 18 – 70
Policy Benefit Term 5 years
Premium Payment Term Single payment
Maximum Cover Age 75
Premium Payment Frequency Single premium
Minimum Premium Amount (per policy) USD 4,000
Maximum Premium Amount (per Life Assured) USD 1,000,000
The aggregate premium limit across all WeSave E1 policies is limited to a maximum of USD 1,000,000.
Partial Surrender Not applicable
Guaranteed Maturity Return 3.1% p.a., equivalent to a total return of 116.5% of Total Premium Paid
Benefits
Surrender Benefit 100% of Guaranteed Cash Value
Maturity Benefit 100% of Guaranteed Cash Value
Death Benefit The higher of the following:
101% of Total Premium Paid
100% of Guaranteed Cash Value
Accidental Death Benefit If the death of the Life Assured individual is caused by an accident, in addition to Death Benefit, an extra 100% of Total Premium Paid will be given, subject to a maximum of USD 125,000 per Life Assured under all WeSave E1 policies.
What’s so special about the Plan?
A rate of up to 3.1 % p.a.* is guaranteed to make all dreams possible.
Enjoy a 5-year protection with a single premium payment and live in the moment!
What’s not covered?
If the Life Assured individual commits suicide within the first year of policy, Death Benefit will not be payable; however, 100% of Total Premium Paid will be payable.
Accidental Death Benefit will not be payable for the Life Assured individual’s participation in semi-professional or professional sport, whether practice, training or competition.
No matter what savings goals you have,
we offer different plans to help you achieve them!

Plan comparison

Example

High return

WeSave E1 Insurance Plan

  • Savings amount up to USD 1 million
  • A guaranteed rate of 3.1% p.a.* after the 5-year plan reaches maturity
  • Invest with a single premium payment to get a competitive return after 5 years
This plan works best for you, if …
You have relatively low financial burden (e.g. paid off mortgage loan, personal loan and debt)
You have sufficient funds to deal with emergency

*The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.

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VS

Flexible

WeSave S2 Insurance Plan

  • Savings amount up to USD 250,000
  • A guaranteed average rate of return of 2.6% p.a.# during the 5-year plan
  • Principal and return guaranteed with no early surrender charge
This plan works best for you, if …
You have relatively high financial burden (e.g. haven’t paid off mortgage loan, personal loan and debt)
You lack sufficient funds to deal with emergency

#The “2.6% p.a.” refers to the guaranteed average annualized rate of return should the “WeSave S2 Insurance Plan” be held for its entire five-year benefit term with a lump sum payment.

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Frequently Asked Questions
Product Features & Benefits Policy Currency & Premium Policy Application & Payment Policy Servicing

Remarks:

*The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.