Wealth Management SolutionsWealth Management Solutions

Wealth Management Solutions

From helping you build your wealth to protecting your assets, our comprehensive suite of world-class products offers solutions for every wealth management objective.

LIQUID ASSETS

Build your wealth while enjoying peace of mind

  • Earn base interest: 80% of the 1-month Singapore Dollar Interbank Offer Rate
    (1-month SIBOR)
  • Earn Bonus Interest that steps up each month: Starting from 0.1% p.a. to a maximum of 1.2% p.a.
Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg

Diversify your cash holdings into a broader range of foreign currencies.

To open your Citibank Foreign Currency Time Deposit account, simply deposit a minimum of S$10,000 or equivalent into a foreign currency deposit of your choice.
See Your Preferential Interest Rates >
  • Enjoy maximum liquidity with tenures from a week to a year, or even an overnight deposit
  • Choose from more than nine world currencies
  • Switch freely between currencies without any penalty
Foreign Currency Time Deposit

Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies.

You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk tolerance level.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg

  • Keep track of your money with consolidated monthly statements
  • Withdraw money at over 1.4 million Citibank and shared ATMs worldwide
  • Enjoy free checking facility
Citibank MaxiSave Account

This account is not applicable to corporations, companies, firms and sole proprietorships. A Citibank Account Service Fee is levied on balances below a minimum combined amount in your current and savings account, deposits, investments and loans. See our various pricing guides here for further information.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg

Enjoy competitive interest rates on your unfixed deposit (when held to maturity) plus the flexibility to withdraw cash while earning interest on the withdrawn amounts.
Citibank MaxiSave Account

This account is not applicable to corporations, companies, firms and sole proprietorships. A Citibank Account Service Fee is levied on balances below a minimum combined amount in your current and savings account, deposits, investments and loans. See our various pricing guides here for further information.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg

Enjoy competitive interest rates and flexible tenures from one week to 36 months.

If you currently hold a transactional or savings account with Citibank, you can simply transfer funds to your Citibank Singapore Dollar Time Deposit or Citibank Singapore Dollar Unfixed Deposit via our 24-Hour Citigold Hotline at (+65) 6225-5226(+65) 6225-5226 or at any Citibank ATM.

Alternatively, you may also personally deposit cash, cheques or bank drafts at any Citibank branch.

  • Enjoy automatic renewal of your deposit upon maturity
  • Earn higher returns on compounded interest
Singapore Dollar Time Deposit and Singapore Dollar Unfixed Deposit

All rates are subject to change and vary according to tenure and deposit amount. Rates are available only for individuals.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg

SHORT TERM INVESTMENTS

Capitalise on targeted market opportunities and achieve your financial goals in the near term

Citibank Foreign Currency Trading Account offers you a trading line of up to 10 times of your Pledged Assets with us. With this account, you can take advantage of short-term foreign exchange movements or hedge against foreign exchange exposures.

Citibank Currency Trading Account

(Subject to a maximum trading line of US$10 million or equivalent)

The risk of loss in leveraged foreign exchange trading may be substantial. You may sustain loss in excess of your initial margin funds. Placing contingent orders, such as "stop-loss" or "stop-limit" orders will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders, and you may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You shall remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in the light of your investment objectives, your financial means and your risk profile. (This product is not available to US Persons.)

This dual-currency account provides potentially higher returns than a traditional time deposit by taking advantage of currency exchange rate movements via the sale of a currency option. A part or all of the higher interest earned on this investment represents the premium received on this option.

Citibank Premium Account

By investing in a Citibank Premium Account, you are allowing the bank to repay you at a future date in an alternate currency that is different from the currency in which your initial investment was made, regardless of whether you wish to be repaid in this currency at that time.

A Premium Account is unlike a traditional bank account as it is an investment and returns may vary. Premium Account is subject to a number of risks. A Premium Account is an investment in one or more foreign currencies. It is subject to foreign exchange rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert any alternate currency into the base currency.

The higher rate of interest you may earn in the Premium Account as compared to a traditional time deposit may not compensate you for the foreign exchange loss. The Premium Account is not an insured product under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investment and Treasury products are not available to US persons.

Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers may assist you with information on any exchange controls that are relevant to the currencies in which you invest. You should note that a Premium Account is an investment product that should be held to maturity. Early withdrawal of a part of a Premium Account prior to the maturity date is not permitted. Early withdrawal of the whole of a Premium Account is permitted but strongly discouraged, because you will have to pay early termination charges and these charges will be deducted from the amount repaid under the Premium Account. As a result, the amount repaid to you may be less than the principal amount. If you wish to terminate your Premium Account prior to maturity, please contact the Bank.

The Bank may, at any time at its discretion, terminate the Premium Account. This may happen, for example, if restrictions on convertibility and transferability become applicable to any of the currency in your Premium Account. In such cases, payment to you may be made in the alternate currency or another currency chosen by the Bank. You may incur a loss on the principal amount in such cases.

You should obtain the advice of a licensed or an exempt financial advisor before making a commitment to enter into a Premium Account transaction. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether a Premium Account is suitable for you in light of your investment objectives, your financial means and your risk profile. For more information on a Premium Account, you should also carefully read the terms and conditions of the Premium Account.

This type of account lets you enjoy potentially better returns than those on traditional time deposits if your view on the share price movement of the underlying share is correct.
  • Enjoy potentially better returns without having to lock-in your principal for a long tenure
  • Get exposure to specific underlying share at pre-agreed share price ('Strike Price') and benefit from the enhanced interest rates that arise from the option premium you receive
Citibank Equity-Linked Account

A Citibank Equity-Linked Account is a short tenure (1 to 3 months) non-principal guaranteed investment that involves an embedded put option which gives the bank the right to pay your principal and interest earned in either the base currency (the currency in which your initial investment was made) or the underlying share (the share which the principal could be used to purchase). A part or all of the interest that you earn on the Citibank Equity-Linked Account represents the premium that the bank pays you for the embedded put option.

Unlike bank deposits, Citibank Equity-Linked Accounts are subject to investment risks and potential returns may vary, depending on the official closing price of the underlying share on the Expiry Date. If the closing price of the underlying share is at or above the Strike Price, principal and interest in the base currency will be payable. If the closing price of the underlying share falls below the Strike Price, interest in the base currency will be payable and the underlying share will be delivered. Citibank has the discretion to pay cash instead of delivering the underlying share in the event of unforeseen circumstances, due to but not limited to, unavailability of shares. The amount of cash payable will be computed based on the closing price of the underlying share on the Expiry Date multiplied by the quantity of the underlying share to be delivered as stated in the written confirmation. In such a case, an immediate loss on the principal will be realised.

Prior to entering into a transaction, investors should consult with their own legal, regulatory, tax, financial and accounting advisors to the extent they consider it necessary, and make their own investment decisions (including decisions regarding the suitability of this transaction) based upon their own judgement and advice from those advisors they consider necessary.

In the event that investors choose not to seek advice from a financial advisor, they should carefully consider whether this product is suitable for them in light of their investment objectives, financial means and risk profile. In establishing the Citibank Equity-Linked Account for investors, Citibank Singapore Limited acts as a principal and not as an agent.

Repayment of Citibank Equity-Linked Account is subject to the laws and the regulations of Singapore.

Early Withdrawal Risk (Early Termination by Investor)

Citibank Equity-Linked Account is an investment product that should be held to maturity. Early withdrawal of a part of Citibank Equity-Linked Account is not permitted. Early withdrawal of the whole of Citibank Equity-Linked Account is only allowed with the consent of Citibank. If the Citibank Equity-Linked Account is terminated before maturity, early termination charges will be deducted from the amount repaid under the Citibank Equity-Linked Account, hence resulting in a loss of the principal.

Potential Return Risk

There is no assurance that the potential return of the Citibank Equity-Linked Account at maturity will be more than the amount initially invested. Depending on the circumstances, the return on the Citibank Equity-Linked Account may be less than returns on a direct investment in the underlying share or a regular bank deposit and may even be negative.

Foreign Exchange Risk

Investments in Citibank Equity-Linked Accounts that are not denominated in an investor's base or home currency i.e. the currency that the investor ordinarily transacts in, are subject to the risk of exchange rate fluctuations that may cause a loss of the principal if the principal is converted back to the investor's base or home currency. Exchange controls may also be applicable in respect of certain foreign currencies.

Early Termination by Citibank

A general condition of a Citibank Equity-Linked Account is that Citibank may, at its discretion, redeem or terminate the Citibank Equity-Linked Account prior to maturity by mailing investors a draft payable to the investor for the principal and pro-rated interest. There may be other conditions that affect the value of the Citibank Equity-Linked Account and investors should refer to the Citibank Equity-Linked Account Agreement and Risk Disclosure Statement for further details.

Event Risk

There may be adjustments to the terms of the Citibank Equity-Linked Account upon the occurrence of certain events such as market disruption, mergers, nationalisation, insolvency and changes in taxation law.

Leverage Risk

Borrowing to fund the establishment of the Citibank Equity-Linked Account (leveraging) can have a significant negative impact on the value of and return on the investment. All hypothetical examples given by the Bank of the potential performance of the Citibank Equity-Linked Account do not take into account the effect of any leveraging. Investors considering leveraging should obtain advice on applicable risks from the leverage provider and/or their financial adviser(s).

The Citibank Equity-Linked Account is not an insured product under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investment and Treasury products are not available to US persons.

A Citibank Gold Account helps you diversify your portfolio as its price tends to move independently of other investments and key economic indicators.

To open your Citibank Gold Account, simply purchase a minimum value of US$25,000 or equivalent.

  • Offers potential reduction in the overall risk of your portfolio
  • Serves as a great tool to hedge against inflation
  • Offers a "safe haven" in times of financial, economic and social turmoil
Citibank Gold Account

A Citibank Gold Account is a non-interest bearing account. There is no physical delivery of Gold and no physical deposit or withdrawal of Gold is permitted.

Investments in gold are subject to price fluctuations which may provide both opportunities and risks. There is no yield or interest generated and a loss may be incurred due to fluctuations in its price. Physical delivery of gold, or physical deposit or withdrawal and wire transfer of gold to and from the gold account is not permitted. You should therefore determine whether any gold investment is suitable for you in the light of your investment objectives, your financial means and your risk profile.

Investments in gold are not insured products under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.

Investment products including Gold Accounts, Premium Account with Gold, and gold trading are not available to U.S. persons and may not be available in all jurisdictions. Citibank Singapore Limited is acting as principal in buying or selling the gold in your Gold Account.

This premium trading service provides you easy, instant access to the US, Hong Kong and Singapore markets, allowing you to seize trading opportunities as you spot them.

To open your Citibank Brokerage Account, please contact your Citigold Relationship Manager or click here.

  • Make trading decisions with access to market and company news
  • Receive real-time news and quote updates
  • Trade easily through Citibank Online or our Phone Traders
Securities

Securities investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. The price of securities can and does fluctuate, sometimes dramatically, and any individual security may experience upward or downward movements, and may even become valueless. Therefore it is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. This is the risk that customers should be prepared to accept. Investors investing in securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Citibank is not recommending the Citibank Brokerage Account or giving any advice in relation to customers' securities investments. Customers will take complete responsibility for any losses resulting from their trading strategy. Investment products are: Not Bank Deposits. Not Bank Guaranteed. May Lose Value. Not Insured By Any Government Agency. Not subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investment and Treasury products are not available to US persons.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg

LONG TERM INVESTMENTS

Diversify your investments across countries and investment types. Choose from many levels of risk and returns

Comprising a mix of securities such as stocks, bonds and futures, our wide range of unit trust portfolios is professionally managed by the world's leading names in fund management.

Aberdeen Asset Management Asia Limited

AllianceBernstein (Singapore) Ltd

Allianz Global Investors Singapore Limited

Amundi Singapore Limited

BlackRock Investment Management

BNP Paribas Investment Partners

DWS Investment S.A.

Eastspring Investments

Fidelity Worldwide Investment

First State Investments (Singapore)

Henderson Global Investors (Singapore) Ltd

JPMorgan Asset Management (Singapore) Ltd

Legg Mason Asset Management Singapore Pte Limited

Manulife Asset Management

PIMCO Asia Pte Ltd

Schroder Investment Management (Singapore) Ltd

Templeton Asset Management (Singapore) Ltd

Threadneedle Investment

UBS Global Asset Management

UOB Asset Management Ltd

Unit Trusts

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc., or any of their affiliates or subsidiaries and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such a document or make any offer or solicitation.

Investment products are: Not Bank Deposits. Not Bank Guaranteed. May Lose Value. Not Insured By Any Government Agency. Not subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investment and Treasury products are not available to US persons.

All applications for units in the unit trusts must be made on the application forms accompanying the prospectus, which are available from Citibank branches. Investors should read the prospectus before deciding whether to invest in units in the unit trusts.

Achieve your long-term investment goals with our high-quality Fixed Income Securities such as bonds and structured notes.
  • Receive more predictable returns on your investments
  • Enjoy the assurance of lower risk potential as compared to equity investments
Fixed Income Securities (Bonds and Structured Notes)
Bonds:

Bonds are debt instruments issued by the Government, Government Agencies, supranational agencies or corporations. Bonds may pay a regular (monthly, quarterly, semi-annual or annual) fixed rate of interest, a variable rate of interest or no interest over the life of the bond, with tenures ranging from a year to as long as 30 years.

Structured Notes:

Structured Notes link the market value of, or coupon payments on, securities to a wide range of financial instruments including market interest rates, equities, indices, credit markets or even a combination of these instruments. Investments in Structured Notes are available in various tenures, denominations, and currencies, and may or may not return 100% of principal invested at maturity.

Fixed Income Securities are obligations only of the issuer. Unless otherwise stated, they are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citibank, N.A., Citigroup, Inc. or any of its affiliates or subsidiaries (except in the case that Citigroup Inc., or any of its affiliates or subsidiaries is the issuer,) and are subject to investment risks, including the possible loss of the principal amount invested. These Fixed Income Securities are not insured products under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investors investing in Fixed Income Securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Citibank Singapore Limited acts as the Bondholder's agent/principal in the purchase or sale of bonds/notes, as applicable.

Investment and Treasury products are not available to US persons.

Structured product transactions are complex and an investment in a structured product may involve a high risk of loss on your initial investment. Prior to entering into a transaction, you should ensure that you understand the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether this product is suitable for you in light of your investment objectives, financial means and risk profile.

HOME FINANCE

Be it purchase financing or refinancing of local properties, enjoy preferential interest rates on your home loans

Take your pick from the wide variety of interest rate packages – from SIBOR link to fixed rate packages. You can also earn interest adjustment of up to 50% of the effective home loan interest rate with your linked Checking Account.
  • Save on home loan interest payments with the interest adjustment feature
  • Switch freely between interest rate packages
  • Enjoy on-demand access to our dedicated Mortgage Client Care team at (+65) 6238-8838 (+65) 6238-8838

INSURANCE

Comprehensive, tailor-made solutions that help you protect what matters most

Created for legacy planning and wealth preservation, this solution helps you give your loved ones a precious gift: a strong, stable legacy that endures for generations.

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  • Guaranteed crediting rate on initial premium for the first 3 years
  • High insurance coverage all through life plus growth of wealth
  • Access to cash value from day one

As one plan that benefits three generations, this flexible solution provides regular additional income and long-term growth potential for your money.

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  • Pay for just 10 years and enjoy protection up to age 100
  • Annual guaranteed cash payouts from end of 10th policy year
  • Additional protection against total and permanent disability

Designed to go beyond preserving your existing assets, this plan is an enduring and meaningful gift that spans three generations - yourself, your child, and your grandchild.

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  • Financial certainty with guaranteed monthly coupons starting after the 5th policy year all the way up to age 100
  • Wealth enhancement with growth opportunities from potential monthly dividends
  • Hassle-free application with no medical questions asked

Offering both protection and savings, this plan lets you tailor your coverage to match your changing needs through life. It also offers a guaranteed cash value and potential bonuses that you can leave to your loved ones.

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  • Choice of multiplier coverage of up to 5 times
  • Options to cover against any stage of Critical Illnesses
  • Limited payment for protection up to age 100

Designed to make your savings go the extra mile for you, this limited-pay plan offers you potentially attractive returns while keeping you protected.

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  • Pay for just 5 years and enjoy maturity benefit after 10 years
  • No medical questions asked
  • Flexibility of saving in either S$ or US$

Created to help you take charge of your retirement with ease, this retirement plan comes with many choices to suit your financial position and make it easy for you to plan your life after you've said goodbye to work.

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  • No medical questions asked
  • Guaranteed monthly income payable from chosen retirement age and potential dividends to cushion inflation
  • Choice of payment and retirement ages to better meet your unique retirement needs

Savings for the future - and extra cash for everyday pleasures. Get both at the same time with this limited-premium payment, participating endowment plan.

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  • Guaranteed cash payments annually from end of 2nd policy year right through till 14th policy year
  • Lump sum cash payout upon maturity for your savings goal
  • Peace of mind with capital guarantee of the premiums paid

This regular premium savings plan allows you to pay off your premiums faster, while helping to save for the things that matter most: your child's education, or planning the holiday of a lifetime, or saving for retirement.

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  • Protection for your family while saving for their future
  • Flexible policy terms to suit your financial objectives
  • Choice of optional riders to enhance your coverage
This flexible protection plan has been created for homeowners who have taken out a housing loan - should the worst happen, it takes care of your loved ones by paying what's remaining of your housing loan.
  • Guaranteed repayment of outstanding housing loan in event of death, disability, or terminal illness
  • Shorter premium period for full loan tenure
  • Coverage is portable over to any new mortgage loan

This affordable term plan helps you meet your protection needs at different stages of your life, and protect your family with all that you have.

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  • Cost-effective protection for you and your loved ones
  • Reassuring coverage that's renewable up to age 101, regardless of your health
  • Choice of enhancing coverage with optional riders
Blending a MediShield Life component with additional private insurance, this Medisave-approved medical expense reimbursement plan offers you more benefits plus the freedom to stay in private hospitals or Class A/B1 wards in public hospitals.
  • Comprehensive hospital coverage for life, for any ward of your choice
  • Affordable premiums using your CPF Medisave funds
  • Peace of mind with unlimited lifetime claims

This plan provides adults aged 40 to 70 years long-term and comprehensive protection against 40 conditions, all the way up to age 100.

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  • Easy access to wider critical illness coverage at an affordable premium
  • Guaranteed critical illness coverage up to age 100
  • Early payouts for 7 conditions

Critical illness can happen anytime, and potentially wipe out all your savings. This plan gives you and your family the reassurance of financial support, so you can focus on recovery.

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  • Comprehensive coverage for 43 critical illnesses, death and total and permanent disability
  • Freedom to convert policy to any of AIA's whole life or endowment plans with equivalent or similar coverage
  • Affordable premiums for peace of mind

Designed to protect you against the loss of income due to disability, this plan complements your accident, health and severe disability coverage to offer all-round protection.

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  • Effective protection for your biggest asset - income
  • Continued stream of income in event of disability
  • Premium waiver with continued protection
  1. Citi Singapore financial quotient ("Fin-Q") Survey 2014
  2. AIA Singapore Health Matters Survey (with adults aged 40-70) conducted by Nielsen in March 2014.

This is only general product information provided by us and is not a contract of Insurance. The information provided must be read with, and subject to, all the terms and conditions and exclusions contained in the policy contract. Full details are stated in the policy contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you are responsible for ensuring that any insurance product you have applied for is suitable for you. All insurance applications are subject to the insurer's underwriting and acceptance.

Insurance products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc. or any of their affiliates or subsidiaries. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

Insurance products are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. They may be protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For the list of insurance companies which are scheme members, please refer to this link - https://www.sdic.org.sg/pp_scheme_members.php. Coverage is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

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24-Hour Citigold Hotline
(+65) 6225-5226(+65) 6225-5226