Etiqa eEASY save V: Guaranteed 2.68% p.a. Returns

policypal Etiqa eeasy save v promotion

In collaboration with PolicyPal, Tiq by Etiqa’s eEASY save V is an insurance savings plan that allows you to save for your big milestones with guaranteed 2.68% p.a. returns. eEASY save V features:

  • Premiums start from $10,000 to $200,000 yearly, for 2 years
  • Payable by cash only; not eligible for SRS
  • High guaranteed returns of 2.68% p.a., for 6 years
  • Short lock-in period of 6 years
  • 0.6% non-guaranteed loyalty bonus at end of Year 6 if you do not withdraw

You can apply for the eEASY save V plan right here on PolicyPal.


What is Etiqa’s eEASY save V plan for?

Big ticket costs like housing, wedding, and kids’ education can be tricky to save up for. With so many large expenses in the earlier halves of our lives, many of us find it hard to save up enough within such a short timeframe. That’s where Etiqa’s eEASY save V comes in.

Insurance savings plans like these are particularly important at this point, because bank deposit rates are low while stock market volatility is high.

If you keep your savings in a bank account, the returns are likely not high enough to even beat inflation. On the other hand, if you try to grow your savings by investing the cash, with markets as volatile as they are, you risk losing your capital.

With an insurance savings plan like Etiqa’s eEASY save V, there is now a middle ground for risk-averse investors. Let’s take a closer look at these key features of Etiqa’s eEASY save V plan.


2.68% p.a. guaranteed crediting rate

Optimise your savings and retire comfortably with guaranteed 2.68% p.a. crediting rate (for the first 6 years) with a premium size of $20,000 to $200,000. This is one of the highest returns on the market!

In addition, you can enjoy a non-guaranteed loyalty bonus equivalent to 0.6% of the account value at the end of 6 years. It is worth noting that the loyalty bonus applies at every 6th policy year so long as no partial withdrawal has been made prior.

In the current economic climate, high-interest savings accounts like the DBS Multiplier or UOB One account realistically offer only about 1% p.a. returns at most, falling short of what Etiqa’s eEASY save V can offer.

Meanwhile, you may be able to earn higher returns by investing the money, but the risk of losing your capital is also high in the short term. This is not ideal if you have a short investment horizon and a specific target amount, e.g. the downpayment for your home.


Option to withdraw savings after 6 years

eEASY save V is a flexible insurance savings plan. After the lock-in period of 6 years, you are free to make partial or full withdrawal without charges.

You can also continue holding the funds until 100 years old (the maturity date), but it will be at Etiqa’s prevailing crediting rate, which may not be 2.68% p.a.

With a 6-year lock in, this plan would be considered short-to-mid-term. It is certainly much shorter than traditional endowment plans which can last 10 or 20 years.

During the 6-year lock-in period, you can make a partial withdrawal without incurring penalties, but only under specific circumstances (if you or your spouse is diagnosed with terminal illness or physically/mentally incapacitated).


PolicyPal x eEASY save V promotion

From 01 Oct to 31 Dec 2020 (or until the tranche closes), PolicyPal is running an exclusive giveaway for users who sign up for Etiqa’s eEASY save V through us.

Depending on the total premiums you pay (i.e. how much you deposit), you are entitled to the following promotions:

  • Below $25,000: P$30 rebate
  • $25,000 to $49,999: P$50 rebate
  • $50,000 to $102,999: P$100 rebate
  • $103,000 to $200,000: P$150 rebates 

To be eligible for this promotion, you must purchase eEASY save V through the PolicyPal website or mobile app as a member. You must complete the free-look period of 14 days as well.

Ready to apply? Get the eEASY save V plan on PolicyPal.

Terms and Condition apply.

Should you require further assistance, feel free to email us at [email protected] or just leave your contact details here!

How can we help?


Read more:
Can You Retire Early with Short-Term Endowment Plans?
Summary of Tiq Endowment Plans in Singapore
Best Endowment Plans in Singapore


Important Notes 

This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive may be zero or less than the premiums you have paid for the plan.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites ( or or

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as of 14 Aug 2020.



PolicyPal is here to help you make informed and savvy financial decisions through the good times and the bad.

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