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Enjoy guaranteed savings and flexible cash withdrawal!

WeSave S2 Insurance Plan (the “Plan”) guarantees an average interest rate of 2.6% p.a.*, with no charge for policy surrender. We help you to save and achieve your financial goals with ease!

*“The 2.6% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term with a lump sum payment.

guranteed savings insurance plans
Great Guaranteed Returns
Guaranteed returns are provided throughout the entire policy term, with daily guaranteed crediting interest.
savings insurance no surrender charge
No-charge Full Withdrawal
Fully withdraw your funds whenever you need at no charge. You are entitled to a guaranteed return even if you surrender your policy before the policy ends.

Want to Know How Your Savings Increase in Value?

Try our savings calculator to calculate your return

Savings amount




Year end

Interest Rate (p.a)

The table above states your benefit amount with the assumption that all premiums are received by the Company in full on the premium due dates. The savings calculator is for illustration only and does not account for levy.  The Account Value illustrated may differ slightly from the actual benefit amount payable due to rounding differences.

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Grow Your Wealth with Ease; Plan Your Finances Freely

Take a look at how the Plan can suit different financial needs and guarantee a return:
Clara, Career Starter: Flexible Use of Savings
saving insurance no penalty fees

Clara worked for five years after graduation from university. She had a savings habit since she was a kid, and set a savings goal for herself every year. Without much investment knowledge, she hoped to choose a savings plan with a steady return to grow her personal wealth. Therefore, Clara decided to go for WeSave S2 Insurance Plan and paid a single premium of USD15,000 in full. Three years later, Clara’s family needed urgent financial assistance, so she decided to surrender her policy and withdraw the full amount to cater such financial needs. At last, she received USD15,996 as surrender benefit to cope with the situation without paying any penalty fees.

James, A First-Time Dad: Savings for Family Expenses
savings insurance high guranteed return

James, at the age of 33, had a newborn baby. He reckoned that there could be quite a lot of unexpected expenses, so he set aside some idle cash. He was wondering if he could invest in a flexible low-risk savings plan instead of leaving money with cash depreciating. In the end, James decided to go for WeSave S2 Insurance Plan and paid a single payment of USD 50,000 in full. He withdrew the savings in 3 years later due to an emergency, getting the principal amounts of USD50,000 and a guaranteed return of USD3,320.

David, Engineer: Guaranteed Return to Accumulate Wealth
savings insurance retirement

David, an engineer aged 55 years old, began planning for his retirement. He planned to save a sufficient amount of money to support his retirement life five years later. In the face of the uncertain market conditions and his busy work schedule, David wanted to build his retirement funds with a guaranteed savings plan providing stable return, and at the same time a plan that would not take him too much time to manage. He decided to apply for WeSave S2 Insurance Plan, paying a single premium of USD150,000 in full. Five years later when the savings plan matured, David successfully got back his principal amounts of USD150,000 and guaranteed return of USD20,600, giving him a perfect start to his carefree retirement.

Key Features and Benefits1

Get to know more about our Plan
Key SummaryKey Coverage
Policy CurrencyUSD
Issue Age18-65
Policy Benefit Term5 years
Premium Payment TermSingle payment
Maximum Cover Age70
Premium Payment FrequencySingle premium
Minimum Premium Amount (per policy)Single premium: USD 4,000
Maximum Premium Amount (per Life Assured individual)Single premium: USD 250,000
The aggregate premium limit across all “WeSave S1 Insurance Plan” and “WeSave S2 Insurance Plan” policies is limit to a maximum of USD 250,000.
Premium ChangeNot Applicable
Partial WithdrawalNot Applicable
Guaranteed Crediting Interest Rate (per annum)
Policy yearSingle Premium
Fees and ChargesNo charges
Surrender Benefit100% of Account Value
Death Benefit101% of Account Value
Accidental Death BenefitIf the death of the Life Assured individual is caused by an accident, in addition to Death Benefit, an extra 100% of Account Value will be given, subject to a maximum of USD 125,000 per Life Assured under all “WeSave S1 Insurance Plan” and “WeSave S2 Insurance Plan” policies.
What’s so special about the Plan?
A 2.6% p.a.*return is guaranteed for easy achievement of goals and dream realization.
You can surrender your policy at any time and yet enjoy interest, so you can manage your wealth with more flexibility.
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 Account Value 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.

*“The 2.6% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term with a lump sum payment.

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


*“The 2.6% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term with a lump sum payment.