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Reply to “CPF LIFE eats all your interest if you die early?”


A misleading post titled "CPF LIFE eats all your interest if you die early? How many know this?” has been posted online. Read on to get your facts on CPF LIFE. Please share this with your friends and loved ones who may benefit from knowing more about CPF.



4 Facts You Should Know About CPF LIFE

  1. CPF LIFE is a life annuity that provides a regular monthly income for as long as you live.

  2. CPF LIFE is actuarially fair and works through risk-pooling. This means that interest earned on the annuity premium is shared amongst all members to form part of their monthly payouts.

  3. Upon a member’s death, any unused premium is refunded to the member’s beneficiaries. CPF Board does not keep any of the interest earned. Instead, it is pooled and used to ensure that remaining CPF LIFE members continue to get monthly payouts for as long as they live. This is explained consistently on the CPF and Are You Ready websites.

  4. If you are a CPF LIFE member, you will receive information on your life annuity through CPF LIFE statements. Members can also attend talks conducted by us regularly to find out more.

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