Free 30-min Consult

Who pays when you can't take care of yourself?

Long-term care in Singapore costs $3,000–$4,000 a month. Two policies — paired right — answer this question for you. Book a free 30-min consult with a Legacy Planner to see your numbers.

  • Pay $0 in cash — fully payable by MediSave & SRS
  • Zero hard sell. If it doesn't fit, we'll tell you
  • Personalised illustration with your real numbers
★★★★★

4.8 / 5 · 2,300+ Singaporean families helped

Three questions most Singaporeans avoid

A retirement plan without protection is just a wish.

01

"I won't be a burden."

Your daughter doesn't talk about it — but she's already imagining who quits their job, who pays the bills, who looks after you. Care Secure Pro pays your family monthly, so they don't have to choose.

The Caregiver Burden
02

"My MediSave is just sitting there."

You've contributed your whole working life. Most of it just sits there, locked, growing slowly. Use it to pay for disability income protection — $0 cash, no new expense, money that's already yours.

$0 Cash · MediSave Payable
03

"5 years of care = $200,000+."

That's not a hospital bill. That's someone helping you eat, bathe, dress — every day. Your savings? They run out. Your kids? They have their own families. Let's solve this in 30 minutes.

The Cost of Doing Nothing
Book your free 30-min consult

"Most people plan for retirement and forget that one disability claim can wipe out decades of savings."

— The Legacy Planning Philosophy

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The Two Policies

Two policies. One complete plan.

One protects the income you have. The other builds the income you'll need.

Pillar 01 — Protect

The plan that pays you when you can't earn.

Care Secure Pro — Disability Income Insurance by Income Insurance

CareShield Life pays a base amount only when you're severely disabled. Care Secure Pro tops that up — covering you from mild to severe disability, with payouts for caregivers and dependants. Fully payable by MediSave.

  • Disability benefit — paid monthly From mild (1 ADL impaired) through severe (3+ ADLs). Moderate & severe disability have no lifetime payout cap.
  • Caregiver & dependant benefits Extra monthly payouts so your family doesn't have to quit their job to care for you.
  • Lump-sum support benefit Up to 600% of your monthly benefit paid in a lump sum for home modifications and equipment.
  • Lifetime cover, guaranteed renewal Once you're in, you're in. No re-underwriting, ever. 24/7 worldwide coverage.
Pillar 02 — Grow

The plan that pays you back, monthly.

Gro Retire Flex Pro II — Endowment + Retirement Income by Income Insurance

First, you save. Then, the policy turns those savings into a guaranteed monthly income — for 10, 15, 20 years, or all the way to age 100. Want to retire 5 years earlier? Flex it. Pay with cash or SRS.

  • Guaranteed monthly cash benefit Choose your payout window — 10, 15, 20 years, or until age 100. The amount is locked in from day one.
  • Flexi Retire Option Shorten or extend your accumulation period by up to 5 years — once during the policy term.
  • Built-in protection rider Accidental Death + Disability Care + Retrenchment Benefit, bundled in. No extra application.
  • Secondary insured option Pass the policy to your spouse or child without disrupting the plan. Your legacy continues.
Side by side

Why most clients have both.

 
Pillar 01 Care Secure Pro
Pillar 02 Gro Retire Flex Pro II
Pay with
✓MediSave
✓Cash or SRS
Pays out
When you can't perform 1+ ADLs
Monthly during retirement
Coverage length
Lifetime
Up to age 100
Death benefit
300% of monthly benefit
105% of premiums + bonus
Cash value
—None
✓After 2 years
Frequently Asked

The questions every Singaporean asks.

Yes — within MediSave withdrawal limits set under the CareShield Life and Long-Term Care Act. Most clients pay $0 in cash. If your premium exceeds the limit, you can top up the difference with cash. We'll work it out exactly during your consult.
CareShield Life pays a base amount only when you're severely disabled (3+ ADLs). Care Secure Pro covers you from mild disability (1 ADL) and adds caregiver, dependant and lump-sum benefits. It's the difference between a base safety net and a full plan.
The monthly cash benefit is guaranteed once your policy is in force. Bonuses (terminal bonus and cash bonus) are not guaranteed — they depend on the performance of Income's Life Participating Fund. We'll show you both the guaranteed and projected illustrations side by side during your consult.
Yes. Gro Retire Flex Pro II includes a Flexi Retire Option that lets you shorten or extend your accumulation period by up to 5 years (once during the policy term). You can also change the payout period and appoint a secondary insured.
Zero obligation. In 30 minutes we'll review your existing CPF, MediSave, SRS and any current insurance, then show you whether (and how) these two policies fit. If they don't, we'll tell you. If they do, we'll prepare a personalised illustration.
Legacy Planners is a tied agency division of Income Insurance Limited. Our planners are licensed by the Monetary Authority of Singapore (MAS) and represent Income Insurance exclusively for these products.
Book Your Free Consult

30 minutes. Zero pressure.
One real plan.

Pick a time that works. We'll do the homework before we meet — so when we sit down (in person or on Zoom), we're talking about your plan, not pitching ours.

  • Honest review of your CPF, MediSave, SRS & coverage
  • Personalised illustration with exact premiums & payouts
  • No hard sell. If it doesn't fit, we'll tell you
Zero obligation · MediSave/SRS payable