NTUC Capital Plus (Register Early for Mar 2020 Tranche)

NTUC Income's Capital Plus
Guaranteed Return,
Capital Guaranteed
Returns are higher
than SSB & Fixed Deposits!


NTUC Income logo
NTUC Income Capital Plus
Single Premium Amount(*)
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This is the single premium amount that you will invest into this plan.

Capital Plus can be purchased by cheque or by SRS funds. The cheque must be made payable to “NTUC Income”.
Pay by:(*)
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SRS Operator
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SRS Account Number:
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Please check that your DBS SRS account number has 14 digits.
Please check that your OCBC SRS account number has 12 digits.
Please check that your UOB SRS account number has 9 digits.
About You
Name as in NRIC(*)
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NRIC Number
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Date of Birth
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Resident Status
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Country of Birth
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Nature of Work(*)
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Name of Employer(*)
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Annual Income S$(*)
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Employment Status

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Marital Status(*)
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Upload Picture of NRIC - Front(*)
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Upload Picture of NRIC - Back(*)
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Are you a smoker?(*)

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Contact Details
Please specify your email address.

Handphone No.(*)
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Residential Address
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Postal Code
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Source of Funds
Source of Funds to Pay Premiums(*)

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How did you accumulate your wealth?(*)

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I confirm that I am solely a tax resident of Singapore and do not have a foreign tax residency. My Singapore TIN is my NRIC or FIN.
I am not a Politically Exposed Person (PEP).
I confirm that I am the payor as well as the proposer for this plan.
I am not currently applying for any other Life Insurance policies and I do not intend to replace any of my existing policies with this policy.
I would not like my dependant(s) to be taken into consideration for the needs analysis and recommendation(s).
I wish to receive product advice only and do not need my other insurance plans to be considered for needs analysis.
My financial priority is short-term savings. I prefer fixed income, capital guaranteed products. The return is within my expectations.
I tend to be conservative and would sell my investments to preserve cash in a short-term decline and I am uncomfortable with any loss of capital.
Capital preservation is my priority and my investment time frame is less than 5 years.
There are no events that will affect my financial condition in the next 12 months.
Inflation of 0.4% is reasonable as this was the 2018 CPI
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Where did you hear about us?
Where did you hear about us?

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In the event that Capital Plus is oversubscribed, we will keep you updated on future tranches as these become available.

Key features for
NTUC Income's Capital Plus

 (Details below are for the Oct 2019 Tranche. Mar 2020 return has not been announced yet.) 


Guaranteed Returns


Returns of
2.3% p.a..
(Mar 2020 return is not confirmed yet.)

Capital Guaranteed


3 year term

3-Year Term

InsureDIY Capital Plus Promotions

Get InsureDIY
Capital Plus

InsureDIY Online Application


NTUC Income logo


Why Register Early
for Capital Plus


NTUC Income will be launching the next tranche of Capital Plus in March 2020. (Tentative date)


This product sells out fast, so please register your details with us to be the first to know about the next tranche.


Other than the return, we expect that the features of the next tranche to be similar to the previous tranche. We will confirm the March 2020 return with you before processing your application. You will pay NTUC Income directly after we process your application.


InsureDIY is the only adviser platform offering NTUC Income Capital Plus with an online process. We are an online financial adviser licensed by MAS and we are an approved adviser by NTUC Income.  


InsureDIY Promotion

Get DIY$10 for Single Premium amounts of S$40,000 and above and DIY$5 for Single Premium amounts below S$40,000!


Single Premium Amount Bonus Reward
Below S$40,000 DIY$5
S$40,000 and above DIY$10


Refer your friends and family for Capital Plus and get DIY$10 each.


Referral Reward


DIY$ can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Check out our rewards catalogue here.


NTUC Income logo


Capital Plus Oct 2019 Details

NTUC Income's Capital Plus is a 3-year single premium plan that provides a guaranteed return of 2.3% p.a. (CSN3, Oct 2019 tranche). This is higher than the 1.56% p.a. returns provided by Singapore Savings Bonds and fixed deposit rates.


This tranche can be paid for with cash or your SRS funds.


In addition to the guaranteed return at the end of 3 years, NTUC Capital Plus also includes an additional 5% Death and Total & Permanent Disability benefit cover from the second year. 


NTUC Income's Oct 2019 Capital Plus Product Illustration (Now closed. Register early for the next tranche.)



Policy Capital Plus (CSN3)
Policy Term 3 Years
Guaranteed Interest 2.30% Per Annum



  Death Benefit Surrender Value
End of Policy Year Total Premiums Paid to Date (S$) Guaranteed(S$) Guaranteed(S$)
1 1,000.00 1,000.00 920.70
2 1,000.00 1,050.00 941.90
3 1,000.00 1,050.00 963.55
3 1,000.00 Maturity Value

Here are some common questions
about NTUC Income's Capital Plus Plan

1. Is there any difference between buying NTUC Income Capital Plus through InsureDIY or from NTUC Income directly?


InsureDIY is distributing the same product NTUC Income Capital Plus as NTUC Income. However, we are offering exclusive promotions on Capital Plus that are not available anywhere else. We are also the only distributor to offer an immediate online application process. So you will get more value through our promo and you also save time!



2. Is there a difference between using cash to pay for the NTUC Capital Plus premium versus using my SRS Funds? 


No, there is no difference in terms of the return on the policy. Of course, if you use your SRS Funds to pay for the policy, then the proceeds will be paid back to your SRS Fund. For policholders who pay in cash, the maturity proceeds will be paid by cheque to the policyholder.



3. What is the minimum and maximum premium size for NTUC Capital Plus? 


The minimum premiums size for NTUC Capital Plus is S$20,000. The maximum single premium per insured is subject to financial underwriting.


4. What are the minimum and maximum ages for NTUC Capital Plus?


Insureds from ages 10 to 80 can apply for NTUC Capital Plus.


5. If I am a foreigner, can I apply for NTUC Capital Plus?


Yes. However, you must be residing in Singapore at the time of application. We would need to collect additional documents:


  • Copy of passport with proof of entry
  • Valid employment pass for those who are working (minimum validity of 6 months prior to expiry)
  • Student pass or dependant pass is required for those who are not working
  • Proof of residential address such as a copy of the utility bills, bank statement or letters issued by statutory or government bodies (dated within past 6 months)


Please do email us the above documents at sg_service@insurediy.com after filling in our online application form here.




InsureDIY is an online financial adviser licensed by Monetary Authority of Singapore and we are an approved adviser by our panel of insurance companies. This advertisement has not been reviewed by the Monetary Authority of Singapore.