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Start with protection, legacy, cash value or financing needs.
Compare Singapore IUL plans
Place insurers, premium structures, index mechanics, charges and financing fit in one framework. Match the need first, then inspect two plans in detail.
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Three steps to a useful comparison
Compare structures
Align funding, guarantees, index mechanics and long-term charges.
Review the figures
Use official illustrations to test lower crediting and higher charges.
Three-minute starting point
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This is neither a quote nor a purchase recommendation. It identifies the mechanics worth comparing next.
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- Duration of death-benefit guarantees
- COI and net amount at risk
- Beneficiary and legacy liquidity
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Put every plan through the same questions.
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Index type
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Index choices
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Source date
Great EasternPrestige Legacy Index
Single, 5-year or 10-year versions
US dollars (USD)
Not disclosed; confirm in the latest official documents
S&P 500 · S&P 500 Engle 6% VT TCA · UBS Multi Asset Engle 6%
Supplied examples show a 0% index-crediting floor
S&P 500 example cap 9%; other strategies use different mechanics
Two volatility-control examples show 130%
Includes COI, policy charges and surrender-period effects
May be assessed case by case against lender terms
2026-09
Non-guaranteed parameters; confirm in the latest documents
Source ↗HSBC LifeDiamond Prestige IUL II
Supplied material focuses on single-premium structures
US dollars (USD)
Not disclosed; confirm in the latest official documents
S&P 500 · Nasdaq-100 · S&P Global Diversified · S&P U.S. Tactical Multi-Asset
Strategy examples range from 0% to 1%
Some strategies use caps; others use participation rates
Supplied examples range from 100% to 230%
Includes COI, administration and surrender charges
Subject to bank, platform and client collateral terms
2026-08
Non-guaranteed parameters; confirm in the latest documents
Source ↗All plan records
| Company / plan | Payment | Index choices | Floor | Cap | Participation | Source date |
|---|---|---|---|---|---|---|
| Great EasternPrestige Legacy Index | Single, 5-year or 10-year versions | S&P 500 · S&P 500 Engle 6% VT TCA · UBS Multi Asset Engle 6% | Supplied examples show a 0% index-crediting floor | S&P 500 example cap 9%; other strategies use different mechanics | Two volatility-control examples show 130% | 2026-09 |
| HSBC LifeDiamond Prestige IUL II | Supplied material focuses on single-premium structures | S&P 500 · Nasdaq-100 · S&P Global Diversified · S&P U.S. Tactical Multi-Asset | Strategy examples range from 0% to 1% | Some strategies use caps; others use participation rates | Supplied examples range from 100% to 230% | 2026-08 |
| ManulifeSignature Indexed UL Select III | Supplied material focuses on single-premium structures | S&P 500 · S&P 500 Plus · S&P PRISM · Euro Stoxx 50 · Hang Seng · S&P GSCI Gold ER | Supplied examples show 0% | S&P 500 Plus example cap 11.3% | PRISM example participation rate 146% | 2026-09 |
| TransamericaGenesis III Indexed Universal Life | Flexible-premium structure | Global Account · S&P 500 · S&P 500 Shariah · S&P 500 volatility-control strategies | Supplied examples show 0% | Some accounts are capped; uncapped volatility-control options are also available | Some capped-account examples show 100% | 2026-09 |
| AIAAIA Platinum Indexed Legacy III | Confirm in the official policy illustration | S&P 500 Index and product-specific indexed accounts | Not disclosed; confirm in the latest official documents | Not disclosed; confirm in the latest official documents | Not disclosed; confirm in the latest official documents | 2026-09 |
| PrudentialPRUApex Legacy Index II | Confirm in the official policy illustration | Product-specific indexed accounts | Not disclosed; confirm in the latest official documents | Not disclosed; confirm in the latest official documents | Not disclosed; confirm in the latest official documents | 2026-09 |
| SinglifeLegacy Indexed Universal Life | Confirm in the official policy illustration | S&P 500 · Nasdaq-100 and product-specific indexed accounts | Not disclosed; confirm in the latest official documents | Not disclosed; confirm in the latest official documents | Not disclosed; confirm in the latest official documents | 2026-09 |