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Signature Indexed Universal Life (II)
At a Glance
Policy returns are linked to the performance of internationally recognised indices
Downside protection from negative policy returns
Enjoy lower charges if you qualify for a preferential risk class
Features and Benefits
You work hard to build a legacy that lasts for generations - even more so when it comes to protecting it and keeping it safe. Signature Indexed Universal Life (II) can help you achieve this, by allocating premiums to both Fixed and Index Accounts. With this, you can receive potentially higher returns, while being protected from market fluctuations.
- Potentially higher crediting rates1 from an Index Account that is tied to reputable international indices
- Automatic Premium Spread to spread the net premiums allocated into Index Account over 12 months to earn a more stable return1
- Flexible premium payments2
- Whole life coverage against Death. Coverage against Terminal Illness to age 993
- Option to change Life Insured4 in the future
How It Works
How to Apply
1 Crediting rate for Index Account is calculated based on the point-to-point performance of the underlying indices, excluding dividends, subject to the floor and respective cap rate, plus guaranteed loyalty bonus crediting rate (if any).
2 You may pay premiums of any amount at any time before age 100, within the maximum limits we set. If you have cash value in the policy, you may skip a premium payment or stop paying premiums entirely. You may need to pay extra premiums if the actual interest we pay you is lower than illustrated, if you take a loan, if you make a withdrawal or the actual charges increase. The actual amount and frequency of premium payments will affect the policy vale and potentially the death benefit as well as how long the policy is kept in force.
3 Death benefit is the face amount of the policy or the policy value at the date of death, whichever is higher, less any outstanding policy debt. Terminal Illness coverage is up to age 99.
4 Allowed two years after the date we issue the policy to you. We will decide whether to accept the new life insured and it will depend on whether we can insure this new life insured and on other terms and conditions we may decide. The policy charges will be based on the new life insured’s age, gender, country of residence, underwriting class and any other ratings. For more details, please refer to the policy contract.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 25 April 2021.
DBS Private Bank Insurance Important Notes