Singlife
Legacy Indexed Income
A life insurance solution that transforms market performance into a tailored income stream, the way you want it.
Singlife Legacy Indexed Income allows you to customise your income stream to support your long-term wealth goals.
Your income is linked to the performance of specially selected indices – including volatility-controlled indices that aim to provide a more stable return. With a built-in floor rate of 0% per annum, your investment will never suffer a negative return.
Another key feature is flexibility and control – you get to decide how much income you want to receive each year, when it begins, and for how long, while additional gains are reinvested for continued growth of your policy value.
For retirement and income needs across different stages of life, Singlife Legacy Indexed Income offers flexibility aligned to your changing priorities.
You have the flexibility to plan up to five different income phases1 , each with its own target amount and duration, allowing you to plan your income thoughtfully across life’s milestones, with the option to make adjustments as your needs change.
Unlock higher growth potential
Earn potentially higher returns2 through the Index Account that is linked to the performance of five specially selected indices.
Keep your policy value growing
During the income payout period, you will receive income based on your chosen index’s performance. The maximum amount will be up to your chosen Target Yearly Income. Any extra gains in the same Policy Year will be automatically reinvested to support the growth of your policy value.
Features
Protection from market downturn
The guaranteed floor rate of 0% p.a. on the Index Account ensures that your investments will not suffer from a negative return, even in a market downturn.
Guaranteed Loyalty Bonus
Unlock an additional crediting rate of 0.70% p.a. on the Index Account from the 11th Policy Year onwards allowing your policy value to grow further.
Up to age 120 of the Life Assured
Penalty-free partial withdrawals3
Enjoy flexibility to make penalty-free withdrawals upon a key life stage event or if you need funds for any other unexpected situation.
Life Insurance Coverage
Provides lifelong protection against death and Terminal Illness.
Option to switch Life Assured
Have the option to switch the Life Assured4 to meet your changing needs.
Flexible premium payment term5
Choose to pay a lump sum in a single premium payment or pay annually over a period ranging from 2 to 20 years6.
Automatic Premium Spread
Option to spread the net premium allocated to the Index Account over 12 months to smoothen the impact of market fluctuations for a more stable long-term return from the Index Account.
Hassle free application
Guaranteed acceptance upon application with no medical underwriting needed.
Get started with Singlife Legacy Indexed Income
Your Index Account explained
How Singlife Legacy Indexed Income works
Start planning your income today
For a personalised consultation on Singlife Legacy Indexed Income, simply complete the form, and a dedicated Financial Adviser Representative will be in touch.
Prefer to speak with someone? Our team at Singlife Financial Advisers (“SFA”), a wholly owned subsidiary of Singapore Life Ltd. (“Singlife”) is here to assist you. Reach us at 6827 9980 (Mon – Fri, 9am to 6pm).
All ages mentioned refer to age next birthday.
1. This is subject to the condition that there must be no gaps between the end of one income stream and the beginning of the next.
2. The crediting rate for each Index Sub-account is calculated based on the point-to-point performance of the underlying indices (excluding dividends), multiplied by the applicable participation rate and subject to the floor rate, plus any guaranteed Loyalty Bonus Crediting Rate (if applicable). Please refer to the Product Summary for more details.
3. The Free Partial Withdrawal Benefit consists of Free Partial Withdrawal upon a Life Stage Event and Free Partial Withdrawal without a Life Stage Event. Free Partial Withdrawal without a Life Stage Event is only allowed from the 6th Policy Year onwards. Please refer to the Product Summary for details of the Life Stage Events covered, the withdrawal limits and other terms and conditions of the Free Partial Withdrawal Benefit.
4. The Policyholder can request for a change of Life Assured after the first Policy Year subject to the terms and conditions. Any request to change the Life Assured is subject to acceptance by Singapore Life Ltd. Please refer to the Product Summary for more details on the terms and conditions for change of Life Assured.
5. The planned premium term is the duration the Policyholder intends to pay premiums for the policy and it is chosen at policy application. Premium payments are flexible after the policy is issued. Please refer to the Product Summary for more details.
6. The planned premium term is subject to entry age of the Life Assured + planned premium term <= age 80 of the Life Assured.
7. Income Start Year is subject to entry age of the Life Assured + Income Start Year <= age 80 of the Life Assured.
8. Target Income Period is subject to entry age of the Life Assured + Income Start Year + Target Income Period – 1 <= age 120 of the Life Assured.
S&P 500 Index and S&P 500 Engle 8% VT TCA Index
The “S&P 500 Index” and the “S&P 500 Engle 8% VT TCA Index" are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”). The S&P 500 Engle 8% VT TCA Index incorporates methodology licensed from UBS AG (“UBS”). The Indices have been sublicensed for use by Singapore Life Ltd. S&P®, S&P 500®, US 500™, and The 500™ are trademarks of S&P Global, Inc. or its affiliates (“S&P”), Engle™ is a trademark of Engle Volatility Consulting LLC (“Engle Consulting”), the research principal of which is Robert F. Engle (“Engle”), and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Singapore Life Ltd. Singapore Life Ltd.’s Singlife Legacy Indexed Income based on the S&P 500 and/or the S&P 500 Engle 8% VT TCA Index are not issued or sold by SPDJI, S&P, Dow Jones Trademark Holdings LLC, their respective affiliates, Engle Consulting, Engle or UBS and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indexes.
Nasdaq-100 Engle 8% Index, UBS Gold Engle 8% Index and UBS Global Multi Asset Engle 8% Index
UBS AG and its affiliates (“UBS”) do not sponsor, endorse, sell, or promote Singlife Legacy Indexed Income (the “Product”). UBS has licensed certain UBS marks and other data to Singapore Life Ltd. for use in connection with the Product and the branding of the Product, but UBS is not involved in the calculation of the Product, the construction of the Product’s methodology or the creation of the Product, UBS is not involved in the sale or offering of the Product, and UBS does not make any representations or warranties with respect to the Product.
The Index applies a volatility control mechanism developed by UBS AG in collaboration with Engle Volatility Consulting LLC (“Engle Consulting”), the research principal of which is Robert F. Engle. Engle Consulting is not an investment adviser, does not guarantee the accuracy and completeness of the Index or the Product or any data or methodology either included therein or upon which it is based. Neither the Index nor the Product is sponsored, endorsed, sold or promoted by Engle Consulting or Robert F. Engle. Engle Consulting and Robert F. Engle do not make any representation or warranty, express or implied, to any financial institution, investor of or counterparties to the Index or the Product or to any member of the public regarding the Product or the advisability of investing in securities generally or in the Index or the Product particularly.
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Disclaimers
This policy is underwritten by Singapore Life Ltd.
This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. You may get a copy of the Product Summary from Singapore Life Ltd and the participating distributors’ offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.
Information is accurate as at 25 Feb 2026.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
