Savings & Investment Planning turns a portion of your premium into structured growth — goal-based plans for retirement, education, or long-term wealth, sitting on the same ledger as the rest of your coverage.
Most savings products are sold on projected returns and little else — a chart that assumes everything goes right. This plan starts from the other direction: what you need the money for, and by when, then works backward into a structure that fits.
Every plan sits inside your portal alongside your other coverage, with contribution history, current valuation, and projected maturity value updated against real market data, not a static illustration from the day you signed up.
Structured plans for different goals, timelines, and risk appetites.
Set a target — a home down payment, a wedding, a milestone — and contributions are structured to reach it on schedule.
Contributions allocated across market-linked funds for higher long-term growth potential, with risk level chosen by you.
Long-horizon plans structured to convert into a regular payout once you reach your chosen retirement age.
Milestone-based payouts timed to school and university stages, with a built-in waiver of future premiums if a parent passes.
Lower-risk plans with a fixed, disclosed return rate for savers who'd rather know the number in advance.
Plans structured to take advantage of applicable tax deductions on contributions and maturity proceeds under current law.
Three steps from goal to active contributions.
Set the target amount, timeline, and risk preference from your portal or with your dedicated underwriter.
Day 1Contributions are allocated across guaranteed, market-linked, or blended options based on your risk profile.
Day 2–3Contribution history and current valuation stay visible in your portal, with the option to rebalance annually.
OngoingActive Savings Plans
Typical Income Allocated
Recommended Plan Review
Maturity Payout Accuracy
What people usually ask before locking in contributions.
Most plans allow partial withdrawal after a minimum lock-in period, detailed on your plan schedule. Early exit before lock-in may involve a reduction in payout.
Guaranteed plans lock in a fixed return rate at the start. Market-linked plans allocate to funds whose value moves with markets, offering higher potential growth alongside more variability.
Yes, contributions can be increased, decreased, or paused from your portal, subject to minimums stated on your plan schedule.
Future premiums are waived and the plan continues toward its original milestone payouts, so the goal stays funded.
A quick planning session takes under five minutes.