Navigating Change with Confidence: Building Wealth and Legacy for Generations

26 Nov 2025

26 Nov 2025

Amid global uncertainty, high-net-worth individuals and family wealth stewards are placing greater emphasis on strategies that balance wealth protection and growth. Index-linked universal life insurance has become a preferred solution, combining the security of protection against market downturns and benefits from market growth with indices-linked returns. It serves as a cornerstone of long-term wealth management and legacy planning. China Taiping Insurance Singapore (“CTPIS”) introduces two USD-denominated Indexed Universal Life plans – Infinite Indexed Legacy (USD) and Infinite Indexed Wealth (USD).

Tailored Solutions for Every Need

Infinite Indexed Legacy (USD) is a protection plan designed for legacy planning or business continuity. It offers single or joint lives options, allows for change of life insured for estate realignment or business continuity purposes. Secure your legacy and ensure enduring financial stability for generations to come. Read more here.
Infinite Indexed Wealth (USD) is a savings-oriented plan for wealth accumulation and preservation. It offers flexible premium terms from single pay up to 10 years, flexibility to make top-up or withdrawals, and the option to appoint a secondary life insured for uninterrupted growth. Read more here.

Dual Growth, Dual Strength

Experience the best of both stability and growth potential by allocating your premiums between two strategic options. The Fixed Account with a guaranteed minimum crediting rate and an Index Account that captures uncapped market returns from world-class indices.

The Fixed Account provides steady, guaranteed returns, with a 4.5% p.a. crediting rate for the first two years. Thereafter, the prevailing rate will not fall below the minimum crediting rate of 2.0% p.a.. From the 11th policy year, policyholders enjoy an additional 0.35% p.a. loyalty bonus, further enhancing long-term value.
The Index Account captures potential market upside, with returns linked to the performance of two internationally recognized indices, offering a high participation rate and no cap on index performance to reap higher potential returns.
- S&P 500 Daily Risk Control 10% USD Excess Return Index– 100% participation rate in US equity market with a long track record.
- UBS-CSOP Global Asset Momentum Allocation Flex Equity and Bond Net Index ER USD – A well-diversified, institutional-grade index—available exclusively to CTPIS policyholders, featuring equities and bonds across Asia, Europe, and North America, with a high participation rate of 260%.

From the 3^rd policy year onwards, you can rebalance or reallocate premiums between the accounts to align with market shifts and your long-term goals.

Conclusion

At China Taiping Insurance (Singapore), our mission is to safeguard the financial wellbeing of families for generations to come. Our suite of Infinite Series product portfolio embodies our commitment to our clients’ long-term prosperity and intergenerational security.

Important Notes:

Please refer to the respective Product Summaries for the list of T&Cs.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. This article is for general information only and does not have regard to your specific investment objectives, financial situation and any of your particular needs. You should seek advice from a financial adviser representative before making a commitment to purchase the plan. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this plan is suitable for you. This article is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. The specific details applicable to this insurance plan are set out in the policy contract.

Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is accurate as of 30 November 2025.