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Maximise Growth with
Investment-Linked 101 Wrapper Plans
Invest smart. Stay protected.
A flexible strategy to build wealth while staying insured.
At Straits Alliance, we compare plans across 15+ top insurers to help you find the ideal Investment-Linked Policy (ILP) 101 wrapper that suits your risk appetite and financial goals.
✅ Discover a wide range of investment fund choices
✅ Compare features, fees, and flexibility across insurers
✅ Get tailored advice aligned with your investment objectives
WHY GET INVESTMENT-LINKED 101 WRAPPER PLAN?
A dual-purpose plan that combines insurance protection with investment growth potential.
100% of Your Money, Fully Invested
Unlike traditional ILPs, 101 wrapper plans channel your entire principal into investments with little to no insurance charges—maximising your potential returns.
Access Exclusive Investment Opportunities
Gain exposure to Accredited Investor or Restricted Funds typically unavailable to retail investors in Singapore.
Build Transferable Wealth
The insurance component of a 101 wrapper lets you nominate a beneficiary—allowing your investments to be passed on smoothly without going through complex will or probate processes.
Upfront Bonuses
Enjoy up to 3x bonus on your first-year investment from select plans, giving your portfolio an early boost toward long-term gains.
COMPARE AND GET QUOTES FROM DIFFERENT
INVESTMENT-LINKED PLAN PROVIDERS
We work with a wide range of insurers to help you compare quotes and find the investment-linked plan in Singapore that best fits your needs.
INVESTMENT-LINKED PLAN
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OTHER FEATURES OF INVESTMENT-LINKED PLANS
ADD RIDERS
Enhance your Investment-Linked Plan with optional riders for greater flexibility and protection.
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Premium Waiver
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Critical Illness (CI) Premium Waiver
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Payor Premium Waiver
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Payor Critical Illness Premium Waiver
GUARANTEED PRINCIPAL UPON DEATH
Ensures your beneficiary receives at least your original investment amount, even in the event of market downturns.
JOINT LIFE OPTION
Some insurers offer financing partnerships with banks—allowing you to pay only the interest while deferring the principal repayment.
You can also choose to change the life assured during the policy term, passing ownership to a loved one and allowing them to continue benefiting from the plan’s long-term growth potential.
IMPORTANT CONSIDERATIONS WHEN CHOOSING INVESTMENT-LINKED PLAN
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Understand surrender charges
Be aware of any surrender charges that may apply if you make a partial or full withdrawal during the premium payment term. These charges can reduce your returns if you exit the plan early. -
Know your minimum investment period
Check the lock-in period required for your investment. Understanding how many years your funds need to stay invested helps you avoid early withdrawal penalties or additional charges. -
Focus on breakeven yield, not just bonuses
Instead of looking solely at upfront or loyalty bonuses, pay attention to the breakeven yield. This reflects the actual return you need to recover all charges and bonuses over the policy term. A lower breakeven yield typically indicates better value.
