Singapore, November 7, 2025: China Taiping Insurance (Singapore) Pte. Ltd. (“CTPIS”) today announced the launch of Infinite Indexed Legacy (USD) and Infinite Indexed Wealth (USD), designed to meet the growing needs of legacy planning and wealth management for the high-net-worth individuals (HNWI).
The two indexed universal life plans adopt a dual growth strategy offering the best of both stability and growth potential, by allowing HNWIs to allocate premiums between a Fixed Account and Index Accounts.
The Fixed Account provides a guaranteed crediting rate of 4.5% per annum (p.a.) in the first two policy years. Thereafter, the crediting rate may vary based on market conditions, but CTPIS guarantees a minimum of 2.0% p.a.. To further reward long-term commitment, Infinite Indexed Legacy’s policyholders will enjoy an additional 0.35% p.a. crediting rate as a loyalty reward1 from policy year 11 onwards.
The Index Account captures potential market upside, with returns linked to the performance of two internationally recognized indices, offering a high participation rate2 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 portfolio of assets in both equities and bonds across Asia, Europe, and North America, with a high participation rate of 260%.
– An institutional grade index made available exclusively for CTPIS policyholders.
Lance Tay, General Manager of Life Insurance, China Taiping Insurance Singapore, said: “We are committed to empowering HNWIs with financial solutions that can sail smoothly through all market conditions. Our Index Accounts provide unlimited potential returns with limited downside risk. Unlike most Index Account in the market, we do not set a cap on index performance, and our built-in 0% segment floor rate ensures our clients will not experience any negative returns in the event of market downturn. Our suite of Infinite series product portfolio embodies our commitment to our clients’ long-term prosperity and intergenerational security.”
Policyholders can spread the Index Account premium over 12 months to smooth out market volatility. They can also reallocate3 future premiums between Fixed Account and Index Accounts according to their evolving risk appetite and rebalance3 the policy value between the accounts to align with market shifts and their long-term goals.
About Infinite Indexed Legacy (USD)
- A US dollar-denominated indexed universal life protection plan that safeguards wealth for legacy planning or business continuity.
- Provides coverage for single life or joint lives with first death and last death option.
- Option to change the life insured up to three times for estate realignment or multiple times for business continuity.
- No-lapse guarantee privilege4 for the first five years regardless of market performance.
- Offers non-smoker premium rates for the first three policy years and continues to enjoy the benefit when one stays smoke-free for 12 consecutive months.
About Infinite Indexed Wealth (USD)
- A US dollar-denominated savings-oriented indexed universal life plan for wealth accumulation and preservation.
- Flexible premium terms from single pay to 10 years or premium top-ups at any time.
- Option to appoint a secondary life insured for uninterrupted growth.
- Provides flexibility to take withdrawals as and when needed.
- Minimum surrender value – earn a fixed 2.0% p.a. on the net premiums, regardless of the underlying index performance.
Lance Tay added: “We are dedicated to assuring the financial well-being of our clients for generations to come. With 24 Premier Lounges worldwide offering bespoke services for dedicated healthcare programs and retirement at over 60 retirement communities across China, our clients or their parents can enjoy a golden retirement lifestyle with comfort, connection, and peace of mind.”
Infinite Indexed Legacy (USD) and Infinite Indexed Wealth (USD) are available via our Financial Advisory and banks partners.
Media Contact:
Cindy Cheng
Head, Marketing,China Taiping Insurance(Singapore)
Tel: (65) 6389 6158
cindy.cheng@sg.cntaiping.com
Stephanie Wong
Marketing Manager, China Taiping Insurance(Singapore)
Tel: (65) 6389 6540
stephanie.wong@sg.cntaiping.com