S&P S&P 500 Index - Capital Protected

S&P 500 Index

S&P 500 Index Principal Protected Products

Widely regarded as the best single gauge in the U.S. equities market, this world-renowned index includes a representative sample of 500 companies in the leading industries of the U.S. The S&P 500 focuses on the large-cap segment of the market, with over 80% coverage of U.S. equities, but it is also an ideal proxy for the total market.
The history of the S&P 500 dates back to 1923, when Standard and Poor’s introduced an index covering 233 companies. The Index, as it is known today, was introduced in 1957 when it expanded to include 500 companies.



S&P 500 Index Principal Protected notes' key advantages:

  • Principal Protected1
  • 100% Participation in the growth of the S&P 500 Index
  • Security through the safe and private custody of assets
  • Ability to participate in stock market growth without the downside risk

S&P 500 Index Composition2

Top Companies by Weight

Company GICS Sector
Apple Inc. Information Technology
Microsoft Corp Information Technology
Exxon Mobil Corp Energy
Johnson & Johnson Health Care
General Electric Co Industrials
Berkshire Hathaway B Financials
Facebook Inc Information Technology
Amazon Inc Consumer Discretionary
AT&T Inc Telecommunication Services
JP Morgan Chase & Co Financials

Sector Breakdown

Key Features
  • Flexibility to invest regularly or in lump sum
  • Investment Terms: 7 years lump sum or 15 years regular contribution
  • Currency: USD ($)
15 Year Regular Contribution Plan
Topic Detail
Currency USD $
Minimum Contribution USD 2,400 per annum
Minimum Increase USD 2,400 per annum (As Rider)
Modal Premium Annually, Semi-annually, Quarterly, and Monthly3
Investment Term 15 years
Principal Protection 140% Guaranteed at maturity4
Annual Administration Charge 1.7% years 1 - 15
Bid/Offer Spread 2% of each contribution on plans under USD 6,000 per annum
Policy Fee USD 7.00 Monthly
Asset Management Fee 0.125% monthly of account balance
Loyalty Bonus5 7.5% of contributions years 1 - 10
7.5% of contributions years 11 - 15
Surrender Charge Equal to the sum of the annual administration charges due for the remaining contract years at the time of surrender.
Free Partial Withdrawals Allowed after the completion of the second year, subject to maintaining USD 2,400 surrender value. Minimum surrender is USD 600. Free partial withdrawals available, but they negate the guarantee.
Issue Age 18 - 70 years
Guaranteed Death Benefit6 In the event of a relevant death, the standard amount payable will be 101% of the Account Value.

3. Monthly payments are only available with Credit Cards and Direct Debit.
4. This protection includes loyalty bonuses. All contributions must be made as per the signed illustration to qualify for guarantee. The underlying Principal Protection is derived from Structured Notes provided by financial institutions rated A or better by Standard & Poor’s, Moody’s or Fitch. The investor is facing Issuer/Counterparty Risk of these institutions. An insolvency of these institutions could lead to a partial or total loss of the capital invested by the investor. Please see plan documents for further details.
5. All premium payments due must have been received within the grace period, with no contributions decreases or partial withdrawals, for the Loyalty Bonus to take effect.
6. The Guaranteed Death Benefit shall not be payable if the Insured dies within the first 2 years of the Policy Issued Date from an illness or physical condition that pre-existed the Issue Date or if the Insured commits suicide. If all required contributions are not paid within the grace period, this benefit shall terminate and will not be reinstated.

7 Year Lump Sum Plan
Topic Detail
Currency USD $
Minimum Contribution USD 10,000
Minimum Increase USD 10,000 (As Rider)
Investment Term 7 years
Principal Protection 100% Guaranteed at maturity7
Administration Charge 0.125% monthly, years 1 - 7
Policy Fee USD 7.00 Monthly
Asset Management Fee 0.125% monthly of account balance
Surrender Charge End of year 1 - 9.0%
End of year 2 - 7.5%
End of year 3 - 6.0%
End of year 4 - 4.5%
End of year 5 - 3.0%
End of year 6 - 1.5%
End of year 7 - 0%
Free Partial Withdrawals Free partial withdrawals available, but they negate the guarantee.
Issue Age 18 - 85 years
Guaranteed Death Benefit In the event of a relevant death, the standard amount payable will be 101% of the Surrender Value.

7. 100% Capital Guarantee, minus Administration Fees charged during the term of the plan. Values will not be guaranteed if there are partial surrenders or withdrawals prior to the completion of the 7th year. The underlying Principal Protection is derived from Structured Notes provided by financial institutions rated A or better by Standard & Poor’s, Moody’s or Fitch. The investor is facing Issuer/Counterparty Risk of these institutions. An insolvency of these institutions could lead to a partial or total loss of the capital invested by the investor. Please see plan documents for further details.

1. The underlying Principal Protection is derived from Structured Notes provided by financial institutions rated A or better by Standard & Poor’s, Moody’s or Fitch. The investor is facing Issuer/Counterparty Risk of these institutions. An insolvency of these institutions could lead to a partial or total loss of the capital invested by the investor. Please see plan documents for further details.
2. Index Composition as of April 29th, 2016.