GREATER OPPORTUNITIES | MORE FLEXIBILITY | OVERALL PROTECTION

The S&P 500 Plan provides investors access to 500 leading stocks representing the most widely held companies from all sectors of the economy

S&P 500 Index Composition

Index Composition as of January 29, 2021

TOP 10 COMPANIES BY WEIGHT:

Companies Symbol GICS Sector
APPLE INC. AAPL Information Technology
MICROSOFT CORP MSFT Information Technology
AMAZON.COM INC AMZN Consumer Discretionary
FACEBOOK INC A FB Communication Services
TESLA, INC TSLA Consumer Discretionary
ALPHABET INC A GOOGL Communication Services
ALPHABET INC C GOOG Communication Services
BERKSHIRE HATHAWAY B BRK.B Financials
JOHNSON & JOHNSON JNJ Health Care
JP MORGAN CHASE & CO JPM Financials

Sector Breakdown

Key Features

  • Regular Contribution Plan
  • Investment Terms: 10, 15, and 20 years
  • Currency: USD ($)
  • Principal Protected
  • 100% Participation in the growth of the S&P 500 Index
  • Ability to participate in stock market growth without the downside risk

Product Details

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 Monthly 1
Investment Terms 10, 15 and 20 years
Principal Protection 2 10 Year Term: 100%
15 Year Term: 140%
20 Year Term: 160%
Annual Administration Charge 10 Year Term: 2.0% per annum
15 Year Term: 1.7% per annum
20 Year Term: 1.1% per annum
Policy Fee USD 10 monthly
Structure Fee 0.125% monthly of Account Value
Loyalty Bonus 3
(Percentage of Total Contribution During the Period)
1 - 10 Years: 7.5%
11 - 15 Years: 7.5%
16 - 20 Years: 5.0%
Surrender Charge The value of the remaining initial units.
Free Partial Withdrawals Allowed after the completion of the initial period, subject to maintaining USD 2,400 surrender value. Free partial withdrawals available, but they negate the guarantee.
Issue Age 4 10 Year Term: ages 18 - 60
15 Year Term: ages 18 - 55
20 Year Term: ages 18 - 50
Guaranteed Death Benefit 5 In the event of a relevant death, the standard amount payable will be 101% of the Account Value.

1. Monthly payments are only available with Credit Cards and Direct Debit.
2. Guaranteed at maturity. This protection includes loyalty bonuses. All premium payments due must have been received within the grace period, with no contributions decreases or partial withdrawals, to qualify for guarantee. The underlying Principal Protection is derived from structured notes provided by highly rated financial institutions. 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.
3. 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. Loyalty Bonus will be paid after years 10, 15 and 20. S&P 500 10 Year Plans are not eligible for Loyalty Bonus.
4. The issue age limit may vary depending on the jurisdiction, please contact the Company for further information.
5. Limitations apply. Please refer to your Policy Documents for full details.