Infinite Indexed Legacy (USD)
Pen tomorrow with peace of mind and lasting growth
Infinite Indexed Legacy (USD) is an indexed universal life protection plan that safeguards your wealth for legacy planning or business continuity.
Key Benefits
Lifetime high coverage against death and terminal illness.
Dual Growth Strategy
Allocate your premiums between Fixed Account and Index Account:
Fixed Account:
Guaranteed crediting rate of 4.5% p.a. in the first 2 policy years and the prevailing rate will not fall below the minimum crediting rate of 2.0% p.a..
Index Account:
Capture potential market upside with returns linked to the performance of “S&P 500 DRC 10% Index ER USD” and “UBS-CSOP GAMA Core Index ER USD”.
No cap on index performance to fully benefit when markets perform well.
Downside protection with 0% segment floor rate built in.
Choose to spread your Index Account premium over 12 months.
Enjoy 100% and 260% assumed participation rate for “S&P 500 DRC 10% Index ER USD” and “UBS-CSOP GAMA Core Index ER USD” respectively.
Option to reallocate your future premiums or rebalance your policy value.
Flexibility To:
Choose between single life or joint lives arrangements
Select between single-pay or multi-pay (2-10 years).
Change life insured up to 3 times.
Withdraw up to 5% of policy value annually from policy year 11.
Others Benefits
No-lapse guarantee privilege for the first 5 years.
Get rewarded with additional 0.35% p.a. crediting rate from policy year 11 onwards.
Enjoy non smoker rates for the first 3 years of your policy.
Protected up to specified limits by SDIC.
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Useful Tips
Is motor insurance mandatory in Singapore?
Driving a motor vehicle without a valid motor insurance plan to cover third-party physical harm is against the law in Singapore. Having a motor insurance plan in place not only protects you against third-party liability, it also reimburses you if you accidentally cause damage to your own car or someone else’s property.
What information should I consider when choosing a motor insurance provider?
- The premium payable and excess applicable
- Unnamed drivers (including young and inexperienced) excess
- The types of coverages (Comprehensive/Third Party/Third Party Fire and Theft)
- Driver restrictions (if any)
- Workshop restrictions
- List of approved repair workshops
- Non-standard exclusions
- Accident reporting and claims filing procedures
- Cancellation and refund policy
How does the motor insurance provider calculate my policy’s premium?
Most motor insurance providers in Singapore use a “risk factor rating system” when calculating your policy’s premium. The premium is calculated based on these factors:
- Profile of the vehicle
- Profile of the driver(s)
- Usage of vehicle
- Type of cover required
- History of claims
- No Claim Discount entitlement
What information do I need to give my motor insurance provider?
To better assess your risk and set an appropriate premium, the motor insurance provider will need some basic information:
- Your age
- Usage of your vehicle
- Make, model and year of make/registration of your vehicle
- Any other person(s) driving the vehicle beside you
- Recent motor accident claims (if any) including all vehicles owned or driven by you in the last 3 years.
- NCD entitlement
- Has the vehicle been modified? Please provide details of modifications
- Years of Driving experience in Singapore
- Existing medical conditions or physical impairment that may affect the driving of car (if any)