Minimum premium
$250,000 (Single Pay)
$50,000 (5-year Pay)
Currency
US dollar
Benefit term
150 years
Issue age (age nearest birthday)
0 – 80 (Single Pay)
0 – 75 (5-year Pay)
SunBrilliance Indexed Savings is indexed to the S&P 500 to provide high potential growth and offers the flexibility to plan your wealth transfer across your future generations.
Key benefits of SunBrilliance Indexed Savings
Wealth accumulation
- through an Elite or Booster Indexed Account linked to the S&P 500 index performance
- with a higher multiplier factor of 125% in the market
- downside protection with 0% floor rate
- guaranteed loyalty bonus credited every year (from policy year 11 to 100) to increase your account value
Wealth transfer flexibility*
- to change ownership and life insured of the policy when it is in force
- to appoint Contingent Owner and Contingent Insured
- to split your policy into multiple policies to be shared by your loved ones
- Through a longer maturity term of 150 years
*Terms and conditions apply.
Early kickstart
to plan your legacy with quick issuance of policy with no medical underwriting required
Legacy Plus
Offers the option to receive Death Benefit payout in a single lump sum or in instalments for up to 10 years
Futureproof financial needs
- Flexible premium top-ups
- With free partial surrender (up to limits from policy year 11 onwards)
SunBrilliance Indexed Savings
Related documents
Download brochure (English)
Download brochure (Simplified Chinese)
Additional details of SunBrilliance Indexed Savings
Boost your savings by enjoying up to 10% Premium Top-Up for a limited period, when you purchase our SunBrilliance Indexed Savings product!
Campaign is valid for a limited period and is subject to terms and conditions.
FAQs on Indexed Savings Plan
An Indexed Savings Plan is an insurance product designed for wealth accumulation by offering the potential for higher returns linked to the performance of a market index such as S&P. The crediting rate comes with a capped rate and limited downside risk.
Unlike a protection insurance plan, which offers lifetime protection and death benefit payout, an Indexed Savings Plan is usually intended for wealth accumulation purpose.
Designed to complement your wealth planning, an Indexed Savings Plan can be a valuable financial tool that can facilitate seamless wealth transfer across multiple generations, with features that allow a change in policy ownership and life insured, to appoint contingent owner and life insured, or to split policies to gift to your loved ones.
An Indexed Savings Plan can also be flexible in allowing for regular premium top-up, which can build your savings over time. With potential higher returns linked to S&P index performance, it enables you to accumulate greater wealth to pass to your next generations.
Indexed Savings Plan insurance focuses primarily on cash value accumulation with a smaller life insurance component, whereas Indexed Universal Life (IUL) maintains a more substantial death benefit as a core feature. Indexed Savings Plans often have lower insurance costs and fees since the emphasis is on savings growth rather than life insurance protection.
Indexed Savings Plan insurance combines minimal life insurance coverage with a cash value component linked to market index performance (e.g. S&P 500). Other key features include downside protection through a floor rate (usually 0%), lower insurance costs compared to traditional life insurance products, and flexible fund access through loans or partial surrenders.
Benefits of Indexed Savings Plan insurance includes the potential for higher returns than traditional savings plans when markets perform well, downside protection against market losses, and flexible access to cash value.
Indexed Savings Plan insurance may suit individuals who prioritise wealth accumulation over life insurance coverage. Such policies may be suitable for those who want market participation with downside protection or need flexible access to their cash value.
An Indexed Savings plan is intended for long-term accumulation, with returns linked to the performance of a market index and features designed to support wealth transfer objectives. When considering this type of plan, it is useful to assess your ability to remain invested over the long-term and consider how the plan fits within your overall wealth strategy. You may also wish to think about your legacy planning goals, including who you intend to benefit and when benefits may be needed.
Peace of mind
We're looking for new and innovative ways to do more, so that we can provide long-term value to our Clients.
Confidence and peace of mind
Sun Life is backed by a strong AA rating from S&P – the highest rating among life insurance companies in Singapore.
Wealth beyond generations
Honouring our promises and delivering on our commitments for more than 150 years.
Our commitment
We're committed to helping our Clients achieve lifetime financial security and live healthier, brighter lives.
The S&P 500® is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Sun Life Assurance Company of Canada Singapore Branch. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by Sun Life Assurance Company of Canada Singapore Branch. SunBrilliance Indexed Savings Insurance product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the SunBrilliance Indexed Savings Insurance product or any member of the public regarding the advisability of investing in securities generally or in SunBrilliance Indexed Savings Insurance product particularly or the ability of the S&P 500® to track general market performance. S&P Dow Jones Indices only relationship to Sun Life Assurance Company of Canada Singapore Branch with respect to the S&P 500® is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® is determined, composed and calculated by S&P Dow Jones Indices without regard to Sun Life Assurance Company of Canada Singapore Branch or the SunBrilliance Indexed Savings Insurance product. S&P Dow Jones Indices have no obligation to take the needs of Sun Life Assurance Company of Canada Singapore Branch or the owners of SunBrilliance Indexed Savings Insurance product into consideration in determining, composing or calculating the S&P 500®. S&P Dow Jones Indices is not responsible for and have not participated in the determination of the prices, and amount of SunBrilliance Indexed Savings Insurance product or the timing of the issuance or sale of SunBrilliance Indexed Savings Insurance product or in the determination or calculation of the equation by which SunBrilliance Indexed Savings Insurance product is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of SunBrilliance Indexed Savings Insurance product. There is no assurance that investment products based on the S&P 500® will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.
S&P Dow Jones Indices does not guarantee the adequacy, accuracy, timelines and/or the completeness of the S&P 500® or any data related thereto or any communication, including but not limited to oral or written communication (including electronic communications) with respect thereto. S&P Dow Jones Indices shall not be subject to any damages or liability for any errors, omissions, or delays therein. S&P Dow Jones Indices makes no expires or implied warranties, and expressly disclaims all warranties, of merchantability or fitness for a particular purpose or use or as to results to be obtained by Sun Life Assurance Company of Canada Singapore Branch, owners of the SunBrilliance Indexed Savings insurance product, or any other person or entity from the use of the S&P 500® or with respect to any data related thereto. Without limiting any of the foregoing, in no event whatsoever shall S&P Dow Jones Indices be liable for any indirect, special, incidental, punitive or consequential damages including but not limited to, loss or profits, trading losses, lost time or goodwill, even if they have been advised of the possibility of such damages, whether in contract, tort, strict liability, or otherwise. There are no third party beneficiaries of any agreements or arrangements between S&P Dow Jones Indices and Sun Life Assurance Company of Canada Singapore Branch, other than the licensors of S&P Dow Jones Indices.