About this site

IUL Academy — how indexed universal life works

iul.com.sg is the Chinese-first classroom on indexed universal life (IUL) within the Xiaopoxian knowledge network. It explains only how this type of policy works: crediting mechanics (segments, point-to-point, lock-in dates, zero years), the four parameters of cap, participation rate, spread and floor, index options and volatility control, how insurers fund index interest from an option budget, cost of insurance and other charges, the two scales of a benefit illustration, policy loans and withdrawals, lapse and sustainability, the application process, Singapore and U.S. rules, common misconceptions, 100 Q&As and a glossary.

What this site does not do: it does not recommend products, does not present any product's charges, caps, participation rates, minimum premium or age limits as fact, does not list financing banks, loan-to-value ratios or interest rates, and does not promise returns, approvals or tax outcomes. Parameters quoted from public product pages carry the insurer, the date and the words "non-guaranteed, subject to change".

Sister sites: plan profiles, side-by-side parameters, premium-financing platforms and signing locations for nine Singapore IUL plans at iul.sg; VUL at vul.sg and vul.com.sg; participating whole life at wholelife.com.sg; retail ILPs at ilp.com.sg; term life and underwriting basics at term.com.sg; PPLI at ppli.com.sg; integrated HNW solutions at hnwsolution.sg and hnw.sg; Hong Kong versus Singapore regulation at vul.hk; Singapore's insurance regulatory system at xiaopoxian.com.sg; private banking and account opening at privatebank.hk and bankaccount.sg.

Operator

This site is operated by the Xiaopoxian content team to provide general education, comparison and reference material, and to register enquiries. It is not an insurer, bank, licensed financial adviser or insurance broker; its content has not been reviewed, approved or endorsed by the Monetary Authority of Singapore (MAS). Personalised advice, official quotations, account opening and application services are provided by the actual licensed or exempt institutions and their appointed representatives.

Content lead

Stella 武晓旭 · Stella Wu Xiaoxu
Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited

Practising in Singapore since 2017 (AXA Singapore consultant and manager), with Great Eastern Financial Advisers since 2021, serving Singapore and Greater-China cross-border high-net-worth families and business owners while building an adviser team.

Licensing and representative status are as recorded in the MAS Register of Representatives and by the principal firm. This site is not the official website of any licensed firm, and its content has not been reviewed by that firm or by MAS.

Editorial principles

1. We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
2. We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
3. We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
4. Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
5. If you spot an error or outdated figure, tell us via the contact page; corrections are dated.