InCred Wealth

Guaranteed Additions of 3% of the Sum Assured accumulate for each Policy Year completed upon vesting.
Option to select between Single and Limited Pay Premium Paying Terms (ranging from 5 to 12 years) for flexibility.
Lump Sum Vesting Addition payable upon vesting.
Guaranteed Death Benefit equivalent to the total Premium(s) paid to date, accumulated at an annual rate of 6%.

Not sure which insurance suits your needs?

When should one commence retirement planning?

The timing of retirement planning hinges on life stage and individual circumstances. Your needs at 30 versus 50 will vary significantly, thus it's crucial to strategize wisely.

If retirement is 20-30 years away, focus on accumulating assets. Aim to navigate this period financially sound, without undue credit or debts.

For those 10-15 years from retirement, it's time to refine the plan. Evaluate income options, align retirement goals with assets, and fine-tune the strategy.

Approaching retirement? It's about optimizing to minimize tax, maximize income, and manage assets for longevity.

Early planning is paramount, but as retirement nears, meticulous attention to detail becomes imperative.
What role does insurance play in retirement planning?

While often associated with death benefits, life insurance serves broader purposes. It can offer flexibility and access to cash value, complementing a comprehensive retirement plan. Properly chosen, it protects income, offers tax-free cash flow, manages taxes, safeguards against financial risks, and enhances portfolio returns. In essence, life insurance isn't just protection; it's a versatile asset throughout retirement.
Can policy nominees be changed?

Absolutely. Nominee changes are manageable online.
What is the vesting date?

In pension plans, the vesting date signifies maturity. It marks the commencement of benefit receipt, pension disbursement, or investment into an annuity.

Disclaimer
- 1. Only for policies that are in-force. (3% of sum assured on vesting) that will get accrued for each completed policy year. Subject to policy being in force and all due premiums being paid. Conditions Apply.