SunBrilliance Indexed Universal Life is a life insurance plan that can keep up with you, and the markets. It is a flexible plan that’s indexed to the S&P 500 and designed to give you a good balance of lifetime coverage and high potential growth, while also allowing you to optimise how your premiums are invested.

Key benefits

Lifetime coverage Lifetime coverage applies if Net Cash Surrender Value minus loan amount is not less than zero.

To leave a legacy. Dependents recieve a death benefit from the policy, as well as any savings or investments.

High potential growth

Through an Indexed Account linked to the S&P 500 index performance  

Downside protection

With 0% p.a. floor on the Indexed Account and a guaranteed 2.5% p.a. crediting rate for the Fixed Account in the first 20 years

Legacy Plus

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

Spreading out of risks from market volatility

With Dollar Cost Averaging which spreads the premium allocated to the Indexed Accounts to create Index Segments over 12 months


  • To customise your premium amount and allocation between Fixed, Indexed Multiplier or Optimum Account based on your preference, as there are no designated premium allocation options to choose from.
  • To rebalance the account value between Fixed and Indexed Accounts after the first policy year. 

Additional details

Sum assured

US dollar

Benefit term
Whole life

Entry age
0 - 75

Every purchase of SunBrilliance Indexed Universal Life triggers us to donate up to 0.5% from the premiums received with a cap of US$20,000 per policy towards philanthropy and charity programmes in Singapore.

Learn more


Indexed Universal Life insurance is a life insurance that offers lifetime coverage and the indexed accounts to grow your cash value. The crediting rate to an indexed account is linked to the performance of an underlying index, such as the S&P 500, with a minimum guaranteed floor. An Indexed Universal Life policy also allows you to adjust your premium payments and death benefits within certain limits, helping you protect and grow your wealth based on your protection needs and financial goals.

Life insurance can be used in your wealth planning for its insurance coverage and certain underlying guaranteed components. An Indexed Universal Life insurance offers life coverage and allows you to participate in the potential upside of an index while having the built-in downside protection.

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.

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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 information brochure 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 information brochure 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 information brochure 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 ( or (

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at July 2023.

This document 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 document 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 document 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 document 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 One Raffles Quay, #10-03 North Tower, Singapore 048583. 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 TrademarkHoldings 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 Universal Life 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 Universal Life Insurance product or any member of the public regarding the advisability of investing in securities generally or in SunBrilliance Indexed Universal Life 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 Universal Life 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 Universal Life 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 Universal Life Insurance product or the timing of the issuance or sale of SunBrilliance Indexed Universal Life Insurance product or in the determination or calculation of the equation by which SunBrilliance Indexed Universal Life 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 Universal Life 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 Universal Life 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.