NTUC Capital Plus (Tranche Closed)-NTUC-CTP

NTUC Income's Capital Plus
(Capital Plus Tranche is Closed)

NTUC Income 2-Years: 1.85% p.a.

China Taiping 3-Years: 2.05% p.a. 


Current open tranches
Guaranteed return & capital guaranteed

NTUC Income's Capital Plus is currently closed. Check out other short-term products with guaranteed returns!


Interest rates have been falling over the post few months. SSB was 1.52% in early Jan 2020 and is now 0.34%. Fixed deposit rates: 1.1% p.a. - 1.4% p.a.


Current open tranches:


Product Status Apply here:

NTUC Income logo


NTUC Income's Gro Capital Ease
2-Year plan 1.85%

Open for application APPLY NOW

10 SG Logo ChinaTaiping

China Taiping's i-Save
3-Year plan 2.05%

Open for application




Key features for
NTUC Income's Capital Plus

 (Details below are for the Mar 2020 Tranche. Next tranche has not been launched yet.) 


Guaranteed Returns


(Tranche is closed.)

Capital Guaranteed


3 year term

3-Year Term

InsureDIY Capital Plus Promotions

Get InsureDIY
Capital Plus

InsureDIY Online Application


NTUC Income logo


Next tranche of Capital Plus


We have now closed applications for NTUC Income's Capital Plus. 


Current open tranches:

NTUC Income's Gro Capital Ease (2-Year, 1.85% p.a.) (Apply here)

China Taiping's i-Save (3-Year, 2.05% p.a.) (Apply here)


InsureDIY is the only adviser platform offering an online application process. We are an online financial adviser licensed by MAS and we are an approved adviser by NTUC Income and China Taiping.  



Other open tranches
Guaranteed return & capital guaranteed

 Current Singapore Savings Bond Rate: 0.34% p.a., fixed deposit rates: 1.1% p.a. - 1.4% p.a.

Product Expected Launch Date Apply here:

NTUC Income logo


NTUC Income's Gro Capital Ease
2-Year plan 1.85%

Open for application APPLY NOW

10 SG Logo ChinaTaiping

China Taiping's i-Save
3-Year plan, 2.05%

Open for application APPLY NOW


InsureDIY Promotion for Capital Plus

(Mar 2020 Tranche Closed)

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$10 each


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 Mar 2020 Details

NTUC Income's Capital Plus is a 3-year single premium plan that provides a guaranteed return higher than the 0.58% 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 Mar 2020 Capital Plus Product Illustration (Now closed.)



Policy Capital Plus (CSN3)
Policy Term 3 Years



  Death Benefit Surrender Value
End of Policy Year Total Premiums Paid to Date (S$) Guaranteed(S$) Guaranteed(S$)
1 1,000.00 1,000.00 919.15
2 1,000.00 1,050.00 938.75
3 1,000.00 1,050.00 958.75
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 [email protected] 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.