Prestige Heritage Index Income | Non-participating Endowment Solution
Prestige Heritage Index Income | Non-participating Endowment Solution
Wealth Creation is only the first chapter of success
Wealth is built over time – but true success is knowing how to make it work meaningfully today, while protecting it for tomorrow.
As priorities evolve, wealth builders seek more than growth alone. They seek confidence in uncertain times, yearly income to enjoy life’s rewards, and opportunities that remain connected to global markets.
Because wealth should not stand still. It should continue to grow with strength, while being preserved with purpose.
Introducing Prestige Heritage Index Income1 – a solution designed to deliver yearly income potential with global index-linked opportunities.
Grow with confidence. Preserve with purpose.
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Key benefits
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Index-Driven Growth with Yearly Income and Downside Protection
Enhance your wealth strategy with the plan’s Yearly Income Benefit2, offering the opportunity to receive regular cash payouts in a lump sum, linked to the performance of the selected underlying index. Your capital is further protected by a 0% floor on Index Return3, ensuring that negative market performance does not erode your investment.
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Protection Benefit to Safeguard Family Wealth Against Life’s Uncertainties
In times of uncertainty, enjoy greater peace of mind knowing that you and your loved ones is being financially protected, helping preserve family wealth when support matters most.
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Maturity Benefit with Capital Assurance4 for Peace of Mind
Celebrate your financial milestone with confidence. Upon maturity, the plan provides maturity payout designed to support your evolving wealth priorities.
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USD-Denominated Global Opportunities with Hassle-free Issuance
Diversify your wealth in USD and gain access to global index-linked opportunities with a plan designed for simplicity. With hassle-free issuance, eligible coverage starts from USD 100,000 – so your wealth journey begins seamlessly, from day one.
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 The “Yearly Income Benefit” is non-guaranteed and subject to the performance of the selected index or indices, the relevant segment Participation Rate and the prevailing index apportionment. Please note that past performance may not be indicative of future performance. Derivatives will also be used to provide the Yearly Income Benefit. The first segment will be initiated on the following calendar month from the policy issue date. Depending on the selected index apportionment, up to 9 segments per index may be created by the end of the policy term. A segment is always initiated on the 16th day of the month (i.e. the segment initiation date) and it will mature 12 months later, on the 15th day of the same month in the following year (i.e. segment maturity date).
3 The “Index Return” is the percentage change in the value of the relevant index from the start to the end of the segment. The Index Return for the relevant segment is uncapped and the minimum rate of return is guaranteed at 0% p.a. to safeguard your policy against market downturns. If the rate of return is determined to be at the minimum, no Yearly Income Benefit will be payable.
4 Capital is guaranteed upon maturity provided that no policy alterations such as partial surrenders are made during the policy term.
Prestige Heritage Index Income is a single premium, non-participating endowment insurance plan denominated in US dollars that provides index-linked returns based on the performance of the underlying indexes, providing a dynamic, responsive and risk-managed way to capitalize on market opportunities. The plan is linked to the performance of S&P 500 Engle 6% VT TCA Index and Citi Flexibeta 8% VT Index. 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 8 June 2026.
