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Prestige Heritage Index | Universal Life Legacy Solution

The Blueprint for a Timeless Legacy: Growth Beyond Protection

A timeless legacy should be built on protection and forged with a strategic blueprint for growth. The US Dollar denominated Prestige Heritage Index 1 is designed to be that blueprint, allowing you to harness the potential for high returns from the Index Account that is linked to the performance of the globally recognised S&P 500 Index while effectively growing your policy values from the Fixed Account, which provides minimum guaranteed crediting rates.

This robust approach to wealth accumulation is balanced by a strong foundation of security and flexibility. With a guaranteed floor rate of 0% on the Index Account, rest assured that your investment is safeguarded against adverse market conditions and your returns will never slip into negative territory. Nurture your wealth accumulation journey with flexible premium payments2 while securing lasting protection against death and terminal illness.

What’s more, the Prestige Heritage Index plan also offers loyalty crediting rates, ensuring you are rewarded for your commitment and further build your wealth. This is more than just a policy – it’s a dynamic financial strategy that provides the flexibility to adapt to your life and family, allowing you to build a legacy that can last for generations. 

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Key benefits of the legacy plan

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    Growth potential with market downside protection

    Take charge of your wealth accumulation journey with the flexibility to choose between two (2) account options: Fixed account or Index account and the option to decide how your premium is apportioned to your risk appetite and investment preferences.
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    Protection against market volatility with automatic premium spread

    Tailored to minimise your risk factors for the highest returns during market volatility, the Index Universal Life plan features an optional “Dollar-Cost Averaging” benefit to spread your premium allocations evenly into the Index Account over a period of twelve (12) months.
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    Designed to adapt to your ever-evolving needs

    Designed to adapt your ever evolving needs! Let  Prestige Heritage Index plan help you through life’s changing courses with flexible premium terms,  option to rebalance your account values between the Fixed Account and Index Account, Change Life Assured (CLA)3 option and easy access to your funds in case of emergencies. 
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    Lifelong coverage

    Enjoy lifetime coverage against death4 and terminal illness4,5, providing your family with a secure safety net while safeguarding your wealth. The non-lapse guarantee6 provides you with peace of mind by ensuring your protection will not lapse in the early policy years when your policy builds value.

Understand the details before buying

1 Please be aware that the currency of the plan is in US dollars. If the US Dollar is not your home currency, you will be exposed to foreign exchange volatility risks.
 

2 Flexible premiums refer to the planned premium amount payable during the selected premium payment term of 5 or 10 years. The initial planned premium shown in the policy illustration must be paid before the policy is issued. Subsequent premium payments can be made at any time and in any amount, subject to the Company’s approval. Premium payments will be accepted as long as the sum of all premiums received is less than or equal to the total Planned Premium. Please refer to the benefit illustration, product summary and policy document for more details.
 

3 An individual policyholder can exercise the option for CLA, and such CLA is subject to a maximum of two (2) times and the conditions determined by the Company. The initial life assured must still be alive when the change of life assured takes place. Each change of life assured shall be subject to the Company’s approval and subject to the policy is still being in force. Only the policyholder can request in writing for such CLA, two (2) years after the date of issue, and is subject to the Company’s approval.

4 Upon death or terminal illness occurring prior to life assured’s age 121 years last birthday, we will pay the higher of the basic sum assured or the account value. If death or terminal illness occurs on or after life assured’s age 121 years last birthday, we will pay the account value.
 

5 The terminal illness benefit limit is subject to a maximum of $20,000,000 per life (including basic plans and riders, if any). For policies and riders issued under high net-worth underwriting, a sub-limit of $7,500,000 applies to the same life assured. The specified amount is based on its absolute dollar value, regardless of the currency used.

Prestige Heritage Index is a non-participating universal life plan with flexible premium payments. The plan is linked to the performance of S&P500 Index through the Index Account while the Fixed Account provides minimum guaranteed crediting rates. This insurance product is not a bank deposit.

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. All enquiries related to claims and liabilities arising from the policies should be made with the Company.

You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford.

The above is for general information only. It is not a contract of insurance. You are advised to refer to the benefit illustration, product summary and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. For further information, reference shall be made to the terms and conditions specified in the policy issued by the Company

The terms “Great Eastern Labuan” and “the Company” shall refer to Great Eastern Labuan Company Limited.

Information correct as on 10 November 2025.

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