Participate in market opportunities tied to forward-looking indices — the S&P 500 Engle 6% VT TCA Index4 and Citi Flexibeta 8% VT Index5. Tailor your investment to match your outlook, with the flexibility to adjust your index selection every year.
Your single premium contribution is guaranteed at maturity. Regardless of market fluctuations, your capital remains secured, providing a reliable foundation for long-term financial confidence.
Choose to withdraw your Yearly Income Benefit1 or allow it to accumulate for potentially higher future value, depending on your financial objectives.
Receive a lump sum benefit of 101% of the single premium paid in the event of death, increasing to 105% for accidental death, without the need for a medical assessment.

Index Income (USD) is a single premium, non-participating endowment insurance plan denominated in US Dollars that provides non-guaranteed yearly income benefit based on performance of the selected underlying index or indices on a 12-month rolling basis and the relevant segment participation rate, after applying prevailing index apportionment. When the index returns are positive, you can choose to receive yearly income benefits on a yearly basis or let them accumulate for potentially higher future value. At the same time, it guarantees 100% of your capital at maturity, provided that no policy alterations such as partial surrenders are made during the policy term. Please refer to the Product Summary and Policy Contract for more details.
Index Income (USD) provides you with financial protection against death and accidental death. If the life assured dies during the policy term, we will pay 101% of the single premium paid. If the life assured dies from an accident during the policy term, we will increase the payout to 105% of the single premium paid. Any Yearly Income Benefit left to accumulate with us will also be paid out with interest earned (if any). We will deduct any debts under the policy before paying the remaining sum and the policy will end after we make this payment. There are certain situations when we will not pay the benefits under this policy. Please refer to the Product Summary and Policy Contract for more details.
If the life assured is still surviving when the policy matures, we will pay the single premium with the last Yearly Income Benefit (if any) within 14 business days from the last segment maturity date. Any Yearly Income Benefit left to accumulate with us will also be paid out with interest earned (if any).
The policyholder will receive an annual update after a segment has matured. The update will include information on the Yearly Income Benefit and Participation Rates for the current segment and previous segment.
We have included fees and charges when working out the premium and you will not be separately charged for these. However, we will not bear any costs associated with the telegraphic transfer, including any bank fees or charges incurred that may arise for any payment under this policy.
If you surrender your policy after the 14-day free-look period, you may lose part or all of the premiums paid. This is because the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.
Buying a new policy may mean we need to reassess the life assured’s health and circumstances and may result in higher premiums and/or benefit exclusions due to the age and health status.
As Index Income (USD) is denominated in US Dollar, you should be aware that if the US Dollars is not your home currency, you will be exposed to foreign exchange volatility risks between the time you purchase the policy to the time the policy benefits are payable. You must therefore recognise and accept this foreign exchange exposure.
For more details on Index Income (USD), please refer to the product summary of the plan. Alternatively, you may also speak to your financial representative or call us at 1800 248 2888 (9am to 5.30pm (Mon- Fri).
The acceptable payment methods are via bank transfer, telegraphic transfer or USD cheque.
A guaranteed minimum rate of return of 0% p.a. safeguards your policy against market downturns. If the rate of return is determined to be at the minimum, no Yearly Income Benefit will be payable.
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1 The “Yearly Income Benefit”, also referred to as index-linked returns, 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).
2 Please be aware that if the US Dollar is not your home currency, you will be exposed to foreign exchange volatility risk.
3 Capital is guaranteed upon maturity provided that no policy alterations such as partial surrenders are made during the policy term.
4 The S&P 500 Engle 6% VT TCA Index is a rule-based index that leverages a unique volatility control methodology that dynamically adjusts its exposure to the S&P 500 index futures. By dynamically adjusting its exposure to the S&P 500 index futures, its returns can vary significantly from the S&P 500 index. Please note that past performance may not be indicative of future performance.
5 The Citi Flexibeta 8% VT Index is a rules-based multi-asset index that dynamically allocates between two portfolios: (1) CoreAllocation: a growth-oriented portfolio comprising equities, government bonds and gold and/or (2) Reserve Allocation: a defensive portfolio comprising government bonds. Please note that past performance may not be indicative of future performance.
6 The “Index Return” is the percentage change in the value of the relevant index from the start to the end of the relevant 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.
7 The “Participation Rate” is a rate used to calculate the Yearly Income Benefit. It is non-guaranteed and can vary for each segment, but it will not go below the guaranteed minimum Participation Rate of 60%.
All figures in the above illustrations are based on an Illustrated Investment Rate of Return (IIRR) of 6.00% p.a. with an average Participation Rate of 90% and an accumulation interest rate of 3.35% p.a. and are subject to rounding.
Based on an IIRR of 3.00% p.a., guaranteed minimum Participation Rate of 60% and an accumulation interest rate of 1.85% p.a.:
* The Yearly Income Benefit is US$6,000.
# The total accumulated Yearly Income Benefit at age 59 is US$58,173.
^ The total illustrated benefit at age 59 is US$258,173.
† The total Yearly Income Benefit at age 59 is US$54,000.
‡ The total illustrated benefit at age 59 is US$254,000.
The two IIRRs used (6.00% p.a. and 3.00% p.a.) are purely illustrative and do not represent lower and upper limits on the index performance. The actual benefits payable will depend on the actual performance of the index, Participation Rates and prevailing index apportionment.
¶ At an IIRR of 6.00% p.a., the prevailing interest rate is 3.35% p.a.. At an IIRR of 3.00% p.a., the prevailing interest rate is 1.85% p.a.. This rate is not guaranteed and can be changed from time to time.
All ages specified refer to age next birthday.
All figures used are for illustrative purposes only and are subject to rounding.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The above is for general information only. It is not a contract of insurance or a recommendation to buy an insurance product or service. This document does not take into account the specific investment and protection aims, financial situation or particular needs of any particular person. You may wish to seek advice from a financial adviser before making a commitment to purchase this product. If you choose not to seek advice from a financial adviser, you should consider whether this product is suitable for you.
The terms, conditions and exclusions of this insurance plan are specified in the policy contract. If you are interested in the insurance product, you should read the product summary and policy illustration (available from us) before deciding whether to buy this product.
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 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 (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
In case of discrepancy between the English and the Chinese versions, the English version shall prevail.
Information correct as at 4 May 2026.
The “S&P 500 Engle 6% VT TCA Index" is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and incorporates methodology licensed from UBS AG (“UBS”), and has been sublicensed for use by The Great Eastern Life Assurance Company Limited (“Great Eastern”). S&P®, S&P 500®, US 500™, and The 500™ are trademarks of S&P Global, Inc. or its affiliates (“S&P”), EngleTM 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 Great Eastern. Great Eastern’s Index Income based on the S&P 500 Engle 6% VT TCA Index is 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 S&P 500 Engle 6% VT TCA Index. For more information on the index, please refer to https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-engle-6-vt-tca-index.
Citi Flexibeta 8% VT Index is administered and published by Citigroup Global Markets Limited (together with its affiliates, “Citigroup”). Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world. Index Income (USD) (the “Financial Product”) is not designed, sponsored, endorsed, sold, underwritten, distributed, promoted, issued or administered by Citigroup, and Citigroup makes no representation regarding the advisability of investing in such Financial Product. Citigroup gives no express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use. In no event shall Citigroup be liable for any direct, indirect, special or consequential damages in connection with any use of the Citigroup data and information. For more information on the index, please refer to https://www.citivelocity.com/investmentstrategies/indices/ciisfb8v. Select “Singapore (Individual)” from the region and user type dropdown.