SunBrilliance Indexed Savings

You gift the headstart. Your savings plan sustains it. 

Contact us

SunBrilliance Indexed Savings is indexed to the S&P 500 to provide high potential growth and offers the flexibility to plan your wealth transfer across your future generations.

Key benefits of SunBrilliance Indexed Savings

Wealth accumulation

  • through an Elite or Booster Indexed Account linked to the S&P 500 index performance
  • with a higher multiplier factor of 125% in the market 
  • downside protection with 0% floor rate
  • guaranteed loyalty bonus credited every year (from policy year 11 to 100) to increase your account value

Wealth transfer flexibility*

  • to change ownership and life insured of the policy when it is in force
  • to appoint Contingent Owner and Contingent Insured
  • to split your policy into multiple policies to be shared by your loved ones
  • Through a longer maturity term of 150 years

*Terms and conditions apply.

Early kickstart

to plan your legacy with quick issuance of policy with no medical underwriting required

Legacy Plus

Offers the option to receive Death Benefit payout in a single lump sum or in instalments for up to 10 years

Futureproof financial needs

  • Flexible premium top-ups
  • With free partial surrender (up to limits from policy year 11 onwards)

SunBrilliance Indexed Savings

Related documents

Download brochure (English)

Download brochure (Simplified Chinese)

Additional details of SunBrilliance Indexed Savings

Minimum premium
$250,000 (Single Pay)
$50,000 (5-year Pay)

Currency
US dollar

Benefit term
150 years

Issue age (age nearest birthday)
0 – 80 (Single Pay)
0 – 75 (5-year Pay)

Boost your savings by enjoying up to 10% Premium Top-Up for a limited period, when you purchase our SunBrilliance Indexed Savings product!

Campaign is valid for a limited period and is subject to terms and conditions.

Learn more 

FAQs on Indexed Savings Plan

An Indexed Savings Plan is an insurance product designed for wealth accumulation by offering the potential for higher returns linked to the performance of a market index such as S&P. The crediting rate comes with a capped rate and limited downside risk.

Unlike a protection insurance plan, which offers lifetime protection and death benefit payout, an Indexed Savings Plan is usually intended for wealth accumulation purpose. 

Designed to complement your wealth planning, an Indexed Savings Plan can be a valuable financial tool that can facilitate seamless wealth transfer across multiple generations, with features that allow a change in policy ownership and life insured, to appoint contingent owner and life insured, or to split policies to gift to your loved ones.

An Indexed Savings Plan can also be flexible in allowing for regular premium top-up, which can build your savings over time. With potential higher returns linked to S&P index performance, it enables you to accumulate greater wealth to pass to your next generations.

Indexed Savings Plan insurance focuses primarily on cash value accumulation with a smaller life insurance component, whereas Indexed Universal Life (IUL) maintains a more substantial death benefit as a core feature. Indexed Savings Plans often have lower insurance costs and fees since the emphasis is on savings growth rather than life insurance protection. 

Indexed Savings Plan insurance combines minimal life insurance coverage with a cash value component linked to market index performance (e.g. S&P 500). Other key features include downside protection through a floor rate (usually 0%), lower insurance costs compared to traditional life insurance products, and flexible fund access through loans or partial surrenders.

Benefits of Indexed Savings Plan insurance includes the potential for higher returns than traditional savings plans when markets perform well, downside protection against market losses, and flexible access to cash value.

Indexed Savings Plan insurance may suit individuals who prioritise wealth accumulation over life insurance coverage. Such policies may be suitable for those who want market participation with downside protection or need flexible access to their cash value. 

Peace of mind

We're looking for new and innovative ways to do more, so that we can provide long-term value to our Clients.

Confidence and peace of mind

Sun Life is backed by a strong AA rating from S&P – the highest rating among life insurance companies in Singapore.

Wealth beyond generations

Honouring our promises and delivering on our commitments for more than 150 years.

Our commitment

We're committed to helping our Clients achieve lifetime financial security and live healthier, brighter lives.

Contact us

We will be in touch soon. Please leave your details below.

0 out of 500 characters inputted

0/500

Prove you are not a robot

By clicking "Submit" below, I confirm that I have read and understood the Personal Information Collection Statement (PICS)

By clicking the box, I agree that Sun Life Assurance Company of Canada Singapore Branch (“Sun Life Singapore”) may collect, use, store, transfer and share, as relevant, my Personal Data (as defined under the Personal Data Protection Act (“PDPA”)) for direct marketing purposes by itself or via its marketing partners, in particular, to contact me or send to me invitations, updates, newsletters, information and materials relating to Sun Life’s Singapore’s activities, events, talks, write-ups on market trends, opinions and survey results, in accordance with the PDPA and  Personal Information Collection Statement (“PICS”) of Sun Life Singapore found above.  Note: This contact form is not meant for sending of resumes for job applications. Any resumes sent through this form will not be responded to.

1Subject to terms and conditions

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. This webpage is for general information only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This webpage is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions.

The policy mentioned in this webpage are 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, Singapore or SDIC websites (www.lia.org.sg) or (www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at September 2025.

This webpage is meant for general information only. No part of the information herein shall be modified, extracted, reproduced or shared with any person or entity without the prior written consent of Sun Life.

No distribution arrangement, contract of insurance or any other legal relations is created or can be construed to be created involving Sun Life and you, solely due to the information herein and without a proper agreement being entered into in writing and duly executed.

While Sun Life believes that the information set out here is correct and accurate as at the date on which it is issued, Sun Life does not guarantee the correctness, accuracy or completeness of its contents. Further, Sun Life does not assume any responsibility, and has no obligation, to update this webpage or inform recipients of its updated contents in due course, if any of its contents changes. Sun Life is not liable for any loss, damages or expenses that may be incurred from reliance upon the contents herein.

No part of this webpage shall be construed as advice from Sun Life or an indication of whether any product referred to herein is suitable for any particular individual or entity. This webpage does not constitute solicitation or an offer to purchase any product mentioned herein. The suitability of a product for any person needs to be considered bearing in mind the relevant person’s own circumstances and needs, and as such, qualified professional advisors, such as lawyers, accountants, tax and financial advisors, should be engaged by the relevant person as (s)he deems fit before (s)he decides whether or not to purchase any product. Except as expressly set out, Sun Life does not make any representations as to the selling or other restrictions that apply to life insurance products that it offers. Distributors have the sole responsibility to acquaint themselves at all times with, and comply fully with, relevant laws, regulations and other requirements, as applicable, in relation to distributing insurance products.

Sun Life Assurance Company of Canada is an insurance company federally incorporated in Canada, with OSFI Institution Code F380 and its registered office at 1 York Street, Toronto, Ontario, Canada M5J 0B6. It is regulated by Office of the Superintendent of Financial Institutions, Canada. Sun Life Assurance Company of Canada Singapore Branch (UEN T19FC0132B) is registered with the Accounting and Corporate Regulatory Authority of Singapore as a foreign company, with its registered office at 50 Raffles Place, #26-04 Singapore Land Tower, Singapore 048623. It is licensed and regulated by the Monetary Authority of Singapore. Where Sun Life Assurance Company of Canada Singapore Branch is referred to as “Sun Life Singapore”, this is strictly for marketing and branding purposes only, and no legal significance is expressed or implied. Sun Life Assurance Company of Canada is a member of the Sun Life group of companies. The Sun Life group of companies operates under the “Sun Life” name. Sun Life Financial Inc., the publicly traded holding company for the Sun Life group of companies, is not a product offering company and is not the guarantor of the obligations of its subsidiaries.

The S&P 500® is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Sun Life Assurance Company of Canada Singapore Branch. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by Sun Life Assurance Company of Canada Singapore Branch. SunBrilliance Indexed Savings Insurance product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the SunBrilliance Indexed Savings Insurance product or any member of the public regarding the advisability of investing in securities generally or in SunBrilliance Indexed Savings Insurance product particularly or the ability of the S&P 500® to track general market performance. S&P Dow Jones Indices only relationship to Sun Life Assurance Company of Canada Singapore Branch with respect to the S&P 500® is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® is determined, composed and calculated by S&P Dow Jones Indices without regard to Sun Life Assurance Company of Canada Singapore Branch or the SunBrilliance Indexed Savings Insurance product. S&P Dow Jones Indices have no obligation to take the needs of Sun Life Assurance Company of Canada Singapore Branch or the owners of SunBrilliance Indexed Savings Insurance product into consideration in determining, composing or calculating the S&P 500®. S&P Dow Jones Indices is not responsible for and have not participated in the determination of the prices, and amount of SunBrilliance Indexed Savings Insurance product or the timing of the issuance or sale of SunBrilliance Indexed Savings Insurance product or in the determination or calculation of the equation by which SunBrilliance Indexed Savings Insurance product is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of SunBrilliance Indexed Savings Insurance product. There is no assurance that investment products based on the S&P 500® will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P Dow Jones Indices does not guarantee the adequacy, accuracy, timelines and/or the completeness of the S&P 500® or any data related thereto or any communication, including but not limited to oral or written communication (including electronic communications) with respect thereto. S&P Dow Jones Indices shall not be subject to any damages or liability for any errors, omissions, or delays therein. S&P Dow Jones Indices makes no expires or implied warranties, and expressly disclaims all warranties, of merchantability or fitness for a particular purpose or use or as to results to be obtained by Sun Life Assurance Company of Canada Singapore Branch, owners of the SunBrilliance Indexed Savings insurance product, or any other person or entity from the use of the S&P 500® or with respect to any data related thereto. Without limiting any of the foregoing, in no event whatsoever shall S&P Dow Jones Indices be liable for any indirect, special, incidental, punitive or consequential damages including but not limited to, loss or profits, trading losses, lost time or goodwill, even if they have been advised of the possibility of such damages, whether in contract, tort, strict liability, or otherwise. There are no third party beneficiaries of any agreements or arrangements between S&P Dow Jones Indices and Sun Life Assurance Company of Canada Singapore Branch, other than the licensors of S&P Dow Jones Indices.