Investment-linked Policies (ILP) in Singapore
ilp.com.sg is the site in the Xiaopoxian knowledge network dedicated to investment-linked policies (ILPs), for readers who live, work or invest in Singapore. It covers retail and mass-affluent ILPs only: how premiums become sub-fund units, where charges come from, 101 versus protection ILPs, regular investing and rebalancing inside a policy, insurer fund ranges versus independent fund platforms, how ILPs differ from neighbouring products, who they suit, the common criticisms and the regulatory response, and how to review an existing policy.
Sister sites cover what this site only links to: VUL and premium financing at vul.sg and vul.com.sg; IUL at iul.sg and iul.com.sg; participating whole life at wholelife.com.sg; endowments, annuities and reading illustrations at saving.sg and saving.com.sg; deposits, T-bills and investing outside a policy at savings.sg; term insurance at term.com.sg; general regulation and claims at xiaopoxian.com.sg; Hong Kong ILAS at vul.hk.
This site is not an insurer, a fund platform or a licensed advisory firm, recommends no specific product and makes no judgement on any sub-fund's future performance. The non-zero rates in policy illustrations are illustrative caps set under LIA rules (before fund management charges); they are not floors and do not represent expected or future results.
Operator
This site is operated by the Xiaopoxian content team to provide general education, comparison and reference material, and to register enquiries. It is not an insurer, bank, licensed financial adviser or insurance broker; its content has not been reviewed, approved or endorsed by the Monetary Authority of Singapore (MAS). Personalised advice, official quotations, account opening and application services are provided by the actual licensed or exempt institutions and their appointed representatives.
Content lead
Stella 武晓旭 · Stella Wu Xiaoxu
Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited
Practising in Singapore since 2017 (AXA Singapore consultant and manager), with Great Eastern Financial Advisers since 2021, serving Singapore and Greater-China cross-border high-net-worth families and business owners while building an adviser team.
| Credentials and education | CFP® professional STEP Associate IFPAS High Net Worth Adviser (2022) NUS BSc (Hons) Mathematics & Statistics NUS MSc Quantitative Finance Passed CFA Level I |
|---|---|
| Industry recognition | 2024 MDRT Top of the Table (TOT) 2024 IDA Golden Dragon Award 2026 GEFA Top Manager — Winner |
| Scope | Family protection and jumbo life cover, long-term savings and legacy arrangements, premium financing and liquidity analysis, interplay between insurance and trusts/family offices; working alongside private banks, lawyers, tax and trust professionals. |
Licensing and representative status are as recorded in the MAS Register of Representatives and by the principal firm. This site is not the official website of any licensed firm, and its content has not been reviewed by that firm or by MAS.
Editorial principles
- We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
- We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
- We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
- Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
- If you spot an error or outdated figure, tell us via the contact page; corrections are dated.