Sum assured
$500,000
Currency
US dollar
Benefit term
Whole life
Entry age
0 - 75
SunBrilliance Indexed Universal Life (IUL) III is a flexible plan that’s indexed to the S&P 500 and designed to give you a good balance of lifetime coverage and high potential growth, with downside protection.
To leave a legacy. Dependents receive a death benefit from the policy, as well as any savings or investments.
Offers the option to receive Death Benefit payout in a single lump sum or in instalments for up to 10 years
With Dollar Cost Averaging which spreads the premium allocated to the Indexed Accounts to create Index Segments over 12 months
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Sum assured
$500,000
Currency
US dollar
Benefit term
Whole life
Entry age
0 - 75
Every purchase of SunBrilliance Indexed Universal Life (IUL) III triggers us to donate 0.5% from the premiums received with a cap of US$20,000 per policy towards philanthropy and charity programmes in Singapore.
Strive for healthy living from day one with our incentive programme where you enjoy non-smoker policy charges for the first three policy years while working on quitting smoking.
Remain smoke-free for 12 consecutive months during this period, and these savings may become permanent. Prioritise your health and receive lasting financial benefits for your commitment.
Indexed Universal Life (IUL) insurance is a life insurance that offers lifetime coverage and the indexed accounts to grow your cash value. The crediting rate to an indexed account is linked to the performance of an underlying index, such as the S&P 500, with a minimum guaranteed floor. An Indexed Universal Life (IUL) policy also allows you to adjust your premium payments and death benefits within certain limits, helping you protect and grow your wealth based on your protection needs and financial goals.
Life insurance can be used in your wealth planning for its insurance coverage and certain underlying guaranteed components. An Indexed Universal Life (IUL) insurance offers life coverage and allows you to participate in the potential upside of an index while having the built-in downside protection.
Both Indexed Universal Life insurance and Whole Life insurance are permanent life insurance policies that provide lifelong coverage, but they work differently. Indexed Universal Life (IUL) insurance offers more flexibility, allowing you to adjust premiums and death benefits, with cash value growth tied to market index performance (e.g. S&P 500). Whole Life insurance offers predictable, guaranteed cash value growth at rates predetermined by the insurance company, with fixed premiums and guaranteed benefits.
Indexed Universal Life (IUL) insurance offers flexibility in premium payments and death benefits, allowing adjustments within policy limits as your financial circumstances change. The cash value can grow through fixed interest rate accounts for stable returns or indexed accounts that track market performance for potential higher growth. IUL policies include built-in protection mechanisms: a "floor" (minimum interest rate, often 0%) ensures your returns are not below the floor rate during market downturns, while a "cap" limits maximum gains during strong market performance.
Indexed Universal Life (IUL) insurance offers potential for higher cash value growth compared to traditional whole life insurance when markets perform well, flexibility to adjust premiums and death benefits based on changing financial circumstances, and the ability to access cash value through loans or partial surrenders. Additionally, the policy provides downside protection against market losses while allowing participation in market upside.
IUL may be more suitable for individuals who want additional wealth growth opportunities, business owners seeking estate planning solutions, or individuals seeking retirement planning strategies with lifelong protection.
Indexed Universal Life (IUL) insurance offers lifetime coverage with policy value growth linked to the performance of a market index, subject to policy terms such as caps and charges. Before purchasing, it is important to understand how premiums are allocated, how charges and policy values work, and how index-linked crediting operates. You may also wish to consider whether this type of policy aligns with both your protection needs and long-term accumulation objectives, as policy value growth linked to an index can vary over time.
We're looking for new and innovative ways to do more, so that we can provide long-term value to our Clients.
Sun Life is backed by a strong AA rating from S&P – the highest rating among life insurance companies in Singapore.
Honouring our promises and delivering on our commitments for more than 150 years.
We're committed to helping our Clients achieve lifetime financial security and live healthier, brighter lives.
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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 Universal Life III 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 Universal Life III Insurance product or any member of the public regarding the advisability of investing in securities generally or in SunBrilliance Indexed Universal Life III 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 Universal Life Insurance II 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 Universal Life III 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 Universal Life III Insurance product or the timing of the issuance or sale of SunBrilliance Indexed Universal Life III Insurance product or in the determination or calculation of the equation by which SunBrilliance Indexed Universal Life III 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 Universal Life III 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 Universal Life III 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.