Just wanted to double confirm.. does anyone know the interest rate for SingTel Dash Easy earn after the 1 year is done?

In the terms & conditions shown above, they do state "For subsequent years, the crediting rate will be determined by Us based on the prevailaing rate, subject to the minimum guaranteed crediting rate of 0.0% p.a. which ensures that the Life insurerd's capital is fully guaranteed each year."

From another source, it states "Prevailaing market rates for subsequent years with your capital guaranteed."

Hence, we can infer there is no definite guaranteed interest rate (above 0%) after the first year. It will be up to the issuers to offer a new interest rate, based on the prevailaing market rates.

Additionally, it is interesting to note this statement in their terms as well.

"Please note that Etiqa Insurance reserves the right to delay the payment of the partial withdrawal amount for up to a period of 6 months from the date of your withdrawal application."

As we may assume, the first year guaranteed rates are a marketing tool to draw customers in. However, if they subsequently offer a less attractive rate after the first year, they may receive many withdrawel requests. So perhaps, this term guards them against a sudden surge in withdrawels. Just something interesting to consider as well!

They didn't mention anything about crediting rate after 1 year on their website:

Dash EasyEarn

You may want to read the fine details in their policy document or contact them for an answer.