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Secure Lifetime Income
for Your Retirement
Steady payouts. Lifelong assurance.
Your retirement, your way.
At Straits Alliance, we work with over 15 trusted insurers to help you compare and find the ideal lifetime income plan designed to support your retirement goals and lifestyle needs.
✅ Understand how each plan pays out during retirement
✅ Compare benefits, flexibility, and payout duration
✅ Receive tailored recommendations to match your financial future
WHY GET A LIFETIME INCOME PLAN?
Enjoy peace of mind with guaranteed income throughout retirement.
Lifetime of Income
As the name suggests, this plan provides you with a steady stream of income for life—as long as the policy is kept active.
Flexible Payment Options
Choose between a single lump sum payment or regular premium contributions.
Wealth Preservation
Enjoy consistent income while safeguarding your wealth. Lifetime income plans are designed with a preservation focus—ensuring that part or even all of your principal is guaranteed and returned to your loved ones upon death or policy termination.
3-Generation Legacy Solution
Purchase the plan under your loved one’s name and begin receiving income during your lifetime. Upon your passing, they can choose to continue receiving the income or surrender the policy for a lump sum. Eventually, the remaining death benefit will be passed down to their beneficiaries—extending your legacy across three generations.
COMPARE AND GET QUOTES FROM DIFFERENT
LIFETIME INCOME PLAN PROVIDERS
We work with a wide range of insurers to help you compare quotes and find the lifetime income plan in Singapore that best fits your needs.
LIFETIME INCOME PLAN
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OTHER FEATURES OF LIFETIME INCOME PLAN
PARTIAL SURRENDER
Some lifetime income plans offer a partial surrender option after a minimum holding period. This feature allows you to withdraw a portion of your principal while continuing to receive a reduced income payout—providing greater liquidity when needed.
SECONDARY LIFE ASSURED
Add a secondary life assured to ensure the continuity of your plan. This allows the policy to be seamlessly transferred to a loved one, so they can continue receiving income—whether you're around or not.
LEVERAGE OPTION
Selected insurers partner with banks to offer premium financing options. This lets policy owners finance part of their premium and only service the interest, with the flexibility to repay the principal at any time.
IMPORTANT CONSIDERATIONS WHEN CHOOSING LIFETIME INCOME PLAN
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Principal guarantee period
Be mindful of how many years it takes before your capital is guaranteed. Different plans have varying break-even timelines, so it’s important to align this with your financial goals and horizon. -
Financing considerations
If you’re using premium financing, remember that interest rates are variable and may fluctuate over time. Ensure you have a plan in place to manage potential rate changes. -
About projected returns
The 3% and 4.25% p.a. illustrated returns are industry-standard projections used across all insurers’ participating fund products. These figures are not guaranteed and actual returns may vary.
