Investment-linked policies, or colloquially know as ILPs, are policies that combine both protection and investment. Its main draw lies in its flexibility and potential high returns, which comes with high risks as well. NTUC Income offers two ILP products: VivoLink and VivaLink.

We know what you’re thinking. No, VivoLink is not the name of the bridge to VivoCity. VivoLink is the sibling investment-linked plan (ILP) of VivaLink, which we reviewed in our previous article. In this article, fundMyLife examines NTUC Income VivoLink’s features and reviews it.

Disclaimer: we are neither endorsing nor hating on these products, nor ILPs in general. We believe that there’s a time and plan for everyone. As such, it is all the more important that consumers are aware of the pros and cons of these products.

What is it?

VivoLink is a regular premium ILP.  The plan pays the basic benefit or cash-in value (whichever is