Etiqa’s ELASTIQ and SAVE3?

[taotato]

It’s not possible to buy esave advance online ?

 

[pathfinder6]

Does 14-days free look apply to this?

Frustrated because the deadline for encashable reward is when policy purchased by 31Jul, which is 3 days later. Worst is their email reply is not answering my question. Their reply emails keep asking for feedback and I just gave them 1 out of 5. ����

Finance product I purchase with another company 2 weeks ago took only one day to process. And transfer money in and out is immediate through an app , like normal online banking. Just too bad this company offers good rate for a pretty low cap, that is why I need to source for any finance company to park my money.

Etiqa withdrawal still have to go through them for approval (don't understand why must get approval since this is my money, really reminds me of CPF), cap at 6 month's delay. If money is needed urgently, I will be at people's mercy. No way for me, will apply for withdrawal once 90 days lock-in period is up. I really learned this through the hard way.

 

[JialatThisOne]

Does 14-days free look apply to this?

yeah you have 14 days free look period. Anyway you can always WhatsApp Policypal or Etiqa for quick response. Both have always been very responsive. For the poster with that experience, please try those channels first.

Also, as far as I know, no one has ever had withdrawal withheld for 6 months. It is only there to protect themselves in case of mass Bank run, but I have tried withdrawing and it is almost instant

 

[luvpraline]

yeah you have 14 days free look period. Anyway you can always WhatsApp Policypal or Etiqa for quick response. Both have always been very responsive. For the poster with that experience, please try those channels first.

Also, as far as I know, no one has ever had withdrawal withheld for 6 months. It is only there to protect themselves in case of mass Bank run, but I have tried withdrawing and it is almost instant

after withdrawing, is your withdrawal amount deducted from the "ad hoc top up" balance or "initial premium" balance?

 

[pathfinder6]

Just sharing, the following are all made clear up front (as well as the 14 days free look) during and after your application via PP:

- take note of the final amount to be paid and make payment within 7 days
- take up to 3 working days for PolicyPal to verify and incept your policy

 

[oceanicmanta]

Just sharing, the following are all made clear up front (as well as the 14 days free look) during and after your application via PP:

- take note of the final amount to be paid and make payment within 7 days
- take up to 3 working days for PolicyPal to verify and incept your policy

this is what I do :

apply in morning, wait for PP email then make payment (dont do it at night)

after payment, i reply to PP's email (as instructed) and also live chat PP to inform them

within a couple of hours, Etiqa will send me confirmation email & policy docs

 

[JialatThisOne]

need referal code for ELASTIQ.

$50 for you and 0.5% worth of credits of my invested sum for me?

if i go through referal from policypal, i will get PP referal rewards but not the 0.5%? (From ELASTIQ) Am I right? Read it from some blog

Hi I pm you for MAX rebates stacking

 

[TsukiSG]

Anyone directly signup ELASTIQ on Etiqa’s website and pay using DBS direct debit?

After my payment, a GIRO arrangement with Etiqa was set up. Is this normal?

 

[bigrooster]

Anyone directly signup ELASTIQ on Etiqa’s website and pay using DBS direct debit?

After my payment, a GIRO arrangement with Etiqa was set up. Is this normal?

I saw the DBS direct debit and realized it was not eNETS, but a direct debit authorisation = Giro and authorising them for subsequent debits. Hence I use PayNow instead.

 

[jnashville]

https://www.etiqa.com.sg/enrich-harvest/

Isnt this so similar to eeasy Save v?

Seems like theres a new product with 1.88 percent as well compared to previous 1.8

https://www.tiq.com.sg/product/tiq-...970.311272059.1596159972-484627297.1594286901

 

[oceanicmanta]

https://www.etiqa.com.sg/enrich-harvest/

Isnt this so similar to eeasy Save v?

Seems like theres a new product with 1.88 percent as well compared to previous 1.8

https://www.tiq.com.sg/product/tiq-...970.311272059.1596159972-484627297.1594286901

Enrich Harvest is same as eEasy SaveV, but I guess it is distributed separately (guess via MayBank) while SaveV is online

the 1.88% was the previous Etiqa 3yr 2.1% product (guaranteed crediting rate were reduced)

 

[jnashville]

Enrich Harvest is same as eEasy SaveV, but I guess it is distributed separately (guess via MayBank) while SaveV is online

the 1.88% was the previous Etiqa 3yr 2.1% product (guaranteed crediting rate were reduced)

Ooh okay thanks

I left about 100k spare cash after putting in various products including singlife, dash, eeasy save v, uob one, great270 and dbs multiplier.

Dont know whether should keep it liquid or put into another eeasy save v account for 6 years


Only thing I afraid is if etiqa fails...the surre der value is crap.

 

[oceanicmanta]

Ooh okay thanks

I left about 100k spare cash after putting in various products including singlife, dash, eeasy save v, uob one, great270 and dbs multiplier.

Dont know whether should keep it liquid or put into another eeasy save v account for 6 years


Only thing I afraid is if etiqa fails...the surre der value is crap.

sign up with family member / spouse ?

 

[jnashville]

sign up with family member / spouse ?

Yea already max out 2 x singlife, 2 x singtel dash.

For the eeasy save V, no diff with using my wife's name.. the surrender value if etiqa fails still the same no matter who's name.

Previously I had a structured deposit with maybank...it payout 2.6percent. This year march, maybank contacted me and terminated the policy and refunded the capital and prorated interest, probably due to bad economy.

Etiqa and maybank are the both actually maybank right

 

[oceanicmanta]

Yea already max out 2 x singlife, 2 x singtel dash.

Etiqa and maybank are the both actually maybank right

ST Dash is also underwritten by Etiqa

I only know Etiqa is insurance arm of MayBank, and there shld be regulatory differences between bank & insurance

 

[luvpraline]

Ooh okay thanks

I left about 100k spare cash after putting in various products including singlife, dash, eeasy save v, uob one, great270 and dbs multiplier.

Dont know whether should keep it liquid or put into another eeasy save v account for 6 years


Only thing I afraid is if etiqa fails...the surre der value is crap.

that was my dilemma too.. i just made sure i have high liquidity elsewhere for emergency use.. which i can see u have

there isn't much alternatives for better rates with less risks right now.. maybe cpf?

 

[jnashville]

that was my dilemma too.. i just made sure i have high liquidity elsewhere for emergency use.. which i can see u have

there isn't much alternatives for better rates with less risks right now.. maybe cpf?

Yea I already top up me and my wife SA account too. Now just thinking of this last 100k where to put. I have liquid emergency funds set aside already.

And today is the last day for those cashback promos. U think if I put in eeasy save v via policypal, will I still be entitled for these cashbacks when it's a public holiday?

 

[oceanicmanta]

Yea I already top up me and my wife SA account too. Now just thinking of this last 100k where to put. I have liquid emergency funds set aside already.

And today is the last day for those cashback promos. U think if I put in eeasy save v via policypal, will I still be entitled for these cashbacks when it's a public holiday?

Worst case, terminate within 14 days if they say not eligible.

I think if u made payment, they shld accept. Also, I think the SmartSave promo likely to continue, but not sure if interest will change.

 

[cannot.remember]

Guys I still got about $50k spare cash and I already have $50k in Elastiq. I can topup the account to $100k and still earn 1.8% currently right? Just that the $50k topup amount is not guaranteed so it might drop below 1.8%. I understand the $50k topup has no lock-in period

 

[luvpraline]

Yea I already top up me and my wife SA account too. Now just thinking of this last 100k where to put. I have liquid emergency funds set aside already.

And today is the last day for those cashback promos. U think if I put in eeasy save v via policypal, will I still be entitled for these cashbacks when it's a public holiday?

If the t&c states promo until today, then u should get the perks if u made payment today. Buying from etiqa is the fastest and safest bet, if through pp can live chat or email them to be sure. I found their staff quite responsive. He proceeded to process my payment within minutes when i asked, even on a public holiday