Enrich Index Income
When markets rise and fall, staying focused on long-term goals can be challenging. Enrich Index Income is a non-participating endowment plan that offers index-linked growth potential through a dynamic and diversified investment approach that adapts to changing market conditions, helping you stay on track towards your financial goals with greater confidence.
Product type
Index-linked Endowment Plan
Policy term
10 years
Premium term
Single Premium and 3 Years
What you can get
Grow through a dynamic investment approach
Receive non-guaranteed Yearly Cash Benefits¹ linked to the performance of the Barclays RADAR 6% RC SGD Index and Barclays RADAR 6% RC USD Index. Designed to respond to changing market conditions, the index helps you stay on track towards your long-term financial goals while capturing growth opportunities.
Stay invested through changing markets
Build value, your way
Enjoy the flexibility to pay your premium as a single payment or over 3 years, choose a policy denominated in SGD or USD, and decide whether to receive your non-guaranteed Yearly Cash Benefits¹ or reinvest them into the next Index Segment to potentially build greater value over time.
Protect what matters most
Enjoy coverage against death, accidental death and terminal illness, helping to provide financial support for you and your loved ones.
No medical assessment required
Apply with ease and start building towards your financial goals without the need for a medical assessment.
Here’s how Enrich Index Income works
Daniel, a non-smoker aged 50, has built up savings over the years and wants them to work harder. While he wants to participate in index-linked opportunities, he is also mindful of market volatility and wants the reassurance that his capital is guaranteed² at maturity.
With Enrich Index Income, Daniel can access index-linked growth potential while receiving non-guaranteed Yearly Cash Benefits¹. He can choose to receive these payouts as income or accumulate them through reinvestment to support his longer-term goals.
Daniel’s goals
Grow
Participate in index-linked opportunities through the performance of the selected index.
Receive
Receive non-guaranteed Yearly Cash Benefits¹ when the index performs positively.
Protect
Enjoy capital guaranteed² at maturity while benefiting from a 0% floor rate that protects your non-guaranteed Yearly Cash Benefits¹ from negative returns.
Notes
The scenarios above are for illustration purposes only. Figures shown above are rounded to the nearest dollar.
The above illustrated values are based on illustrated investment return of 3.5% per annum (based on 8.6% index return, 41% participation rate4, and rounded to nearest 0.1%). Illustrated values based on illustrated investment return of 2.0% per annum are cited in the footnote below. The two rates, 3.5% per annum and 2.0% per annum, are used purely for illustrative purposes only, are non-guaranteed, and do not represent the upper and lower limits on the investment performance of the selected index.
The actual benefits payable will vary according to the future performance of the selected index. Past performance or any forecasts are not necessarily indicative of the future or likely performance of your selected index.
1 This is non-guaranteed and subject to the performance of the underlying index and the participation rate4 of each segment. Please note that past performance may not be indicative of future performance.
2 Capital is guaranteed upon maturity only if there are no policy alterations such as partial surrenders made throughout the policy term. Any outstanding debt under the policy will be deducted before the remaining balance is paid in one lump sum.
3 Subject to the prevailing participation rate4. The participation rate4 may be revised at the start of each new segment.
4 The participation rate is not guaranteed. The actual Yearly Cash Benefits1 payable may vary depending on the index return3 and the prevailing participation rate.
5 For scenario 1, please refer to the illustrated values based on the illustrated investment return of 2% per annum:
- Year 1: Illustrated non-guaranteed Yearly Cash Benefits1 is S$2,000
- Year 4: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is S$8,243
- Year 5: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is S$8,243 + S$0 = S$8,243
- Year 10: Total accumulated non-guaranteed Yearly Cash Benefits1 is S$19,508 and Total illustrated benefit is S$119,508
6 For scenario 2, please refer to the illustrated values based on the illustrated investment return of 2% per annum:
- Year 1: Illustrated non-guaranteed Yearly Cash Benefits1 is S$2,000
- Year 4: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is S$8,243
- Year 5: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is S$8,243 + S$2,165 = S$10,408
- Year 10: Total accumulated non-guaranteed Yearly Cash Benefits1 is S$21,898 and Total illustrated benefit is S$121,898
Here’s how Enrich Index Income works
Ben, a non-smoker aged 50, has built up savings over the years and wants them to work harder. While he wants to participate in index-linked opportunities, he is also mindful of market volatility and wants the reassurance that his capital is guaranteed² at maturity.
With Enrich Index Income (USD), Ben can access index-linked growth potential while receiving non-guaranteed Yearly Cash Benefits¹. He can choose to receive these payouts as income or accumulate them through reinvestment to support his longer-term goals.
Ben’s goals
Grow
Participate in index-linked opportunities through the performance of the selected index.
Receive
Receive non-guaranteed Yearly Cash Benefits¹ when the index performs positively.
Protect
Enjoy capital guaranteed² at maturity while benefiting from a 0% floor rate that protects your non-guaranteed Yearly Cash Benefits¹ from negative returns.
Notes
The scenarios above are for illustration purposes only. Figures shown above are rounded to the nearest dollar.
The above illustrated values are based on illustrated investment return of 6.4% per annum (based on 8.6% index return, 74% participation rate4, and rounded to nearest 0.1%). Illustrated values based on illustrated investment return of 4.0% per annum are cited in the footnote below. The two rates, 6.4% per annum and 4.0% per annum, are used purely for illustrative purposes only, are non-guaranteed, and do not represent the upper and lower limits on the investment performance of the selected index.
The actual benefits payable will vary according to the future performance of the selected index. Past performance or any forecasts are not necessarily indicative of the future or likely performance of your selected index.
1 This is non-guaranteed and subject to the performance of the underlying index and the participation rate4 of each segment. Please note that past performance may not be indicative of future performance.
2 Capital is guaranteed upon maturity only if there are no policy alterations such as partial surrenders made throughout the policy term. Any outstanding debt under the policy will be deducted before the remaining balance is paid in one lump sum.
3 Subject to the prevailing participation rate4. The participation rate4 may be revised at the start of each new segment.
4 The participation rate is not guaranteed. The actual Yearly Cash Benefits1 payable may vary depending on the index return3 and the prevailing participation rate.
5 For scenario 1, please refer to the illustrated values based on the illustrated investment return of 4% per annum:
- Year 1: Illustrated non-guaranteed Yearly Cash Benefits1 is US$4,000
- Year 4: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is US$16,985
- Year 5: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is US$16,985 + US$0 = US$16,985
- Year 10: Total accumulated non-guaranteed Yearly Cash Benefits1 is US$42,330 and Total illustrated benefit is US$142,330
6 For scenario 2, please refer to the illustrated values based on the illustrated investment return of 4% per annum:
- Year 1: Illustrated non-guaranteed Yearly Cash Benefits1 is US$4,000
- Year 4: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is US$16,985
- Year 5: Illustrated total accumulated non-guaranteed Yearly Cash Benefits1 is US$16,985 + US$4,679 = US$21,664
- Year 10: Total accumulated non-guaranteed Yearly Cash Benefits1 is US$48,023 and Total illustrated benefit is US$148,023
Frequently Asked Questions (FAQs)
Enrich Index Income and Enrich Index Income (USD) are non-participating endowment plans denominated in SGD and USD, respectively. The plans offer non-guaranteed Yearly Cash Benefits based on the performance of the underlying index over a 12-month period. For more information on the underlying index, please refer to the product brochure. Upon maturity, the policy provides a Maturity Benefit equal to 100% of the total premiums paid, subject to the policy terms and conditions.
The Policy owner may choose to receive the non-guaranteed Yearly Cash Benefits or reinvest them into the next Index Segment to accumulate value over the 10-year policy term. The policy also includes a guaranteed Floor Rate of 0% p.a., providing protection against adverse market performance.
Enrich Index Income and Enrich Index Income (USD) provide financial protection against death, accidental death, and terminal illness. If the Life Insured dies while the policy is in force, we will pay a Death Benefit equal to 101% of the total premiums paid, plus any accumulated non-guaranteed Yearly Cash Benefits. If the Life Insured dies as a result of an accident while the policy is in force, we will pay an Accidental Death Benefit equal to 105% of the total premiums paid, plus any accumulated non-guaranteed Yearly Cash Benefits.
Any outstanding amounts owed under the policy will be deducted from the benefits payable.
There are circumstances under which benefits may not be payable. Please refer to the Product Summary and Policy Contract for the full terms, conditions, exclusions and limitations.
The Policy owner may receive non-guaranteed Yearly Cash Benefits based on the performance of the underlying index. The index return is uncapped and subject to a minimum Floor Rate of 0% p.a., which helps protect against adverse market performance. The non-guaranteed Yearly Cash Benefits are determined based on the Index Return during the Segment Term, subject to the applicable Participation Rate and Floor Rate. Each Index Segment begins on the 16th of a calendar month and matures one year later on the 15th of the same month in the following year. Any Yearly Cash Benefit payable will be paid in a lump sum within 14 business days after the relevant Segment Maturity Date, provided the policy remains in force.
Please refer to the Product Summary and Policy Illustration for more details on the Yearly Cash Benefits.
The Policy owner will receive an annual statement after each Index Segment matures. The statement will provide details of the Yearly Cash Benefits credited and the Participation Rates applied to the current and previous segments.
The policy includes a guaranteed minimum Floor Rate of 0% p.a., which means negative index performance will not be applied when determining the Index Return. However, if the Index Return is zero, no Yearly Cash Benefits will be payable for that Segment Term.
All applicable fees and charges have been factored into the premium and are not charged separately.
Please refer to the Policy Illustration for more details of applicable charges.
At the end of the 10th Segment Term, provided the policy remains in force, Policy owner will receive a Maturity Benefit equal to 100% of the total premiums paid, plus any accumulated non-guaranteed Yearly Cash Benefits.
Any outstanding amounts owed under the policy will be deducted before payment is made.
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Disclaimer:
Neither Barclays Bank PLC (‘BB PLC’) nor any of its affiliates (collectively ‘Barclays’) is the issuer or producer of Enrich Index Income/Enrich Index Income (USD) and Barclays has no responsibilities, obligations or duties to investors in Enrich Index Income/Enrich Index Income (USD). The Barclays Regime Aware Dynamic Asset Rotation (RADAR) 6% RC SGD Index/Barclays Regime Aware Dynamic Asset Rotation (RADAR) 6% RC USD Index (the “Indices”), together with any Barclays indices that are components of the Indices, are trademarks owned by Barclays and, together with any component indices and index data, are licensed for use by Etiqa Insurance Pte. Ltd. as the issuer or producer of Enrich Index Income/Enrich Index Income (USD) (the ‘Issuer’). Barclays’ only relationship with the Issuer in respect of the Indices is the licensing of the Indices, which are administered, compiled and published by BB PLC in its role as the index sponsor (the ‘Index Sponsor’) without regard to the Issuer or the Enrich Index Income/Enrich Index Income (USD) or investors in the Enrich Index Income/Enrich Index Income (USD). Additionally, Etiqa Insurance Pte. Ltd. as issuer or producer of Enrich Index Income/Enrich Index Income (USD) may for itself execute transaction(s) with Barclays in or relating to the Indices in connection with Enrich Index Income/Enrich Index Income (USD). Investors acquire Enrich Index Income/Enrich Index Income (USD) from Etiqa Insurance Pte. Ltd. and investors neither acquire any interest in the Indices nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Enrich Index Income/Enrich Index Income (USD). The Enrich Index Income/Enrich Index Income (USD) are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Enrich Index Income/Enrich Index Income (USD) or use of the Indices or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Indices or any data included therein.
Age means the age at next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd. , a member of Maybank Group.
This brochure is published for general information only. It does not have any regard to the specific financial or investment objectives, financial situation and the particular needs of any specific person who may read this document and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be less than the total premiums paid. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. This content is for reference only and is not a contract of insurance.
For plan denominated in USD and if USD is not your home currency, You will be exposed to foreign currency exchange risks when You purchase this policy and during the policy term. This means that You may need to bear the charges, fees or losses (if any) resulting from any currency conversion on any transaction for this policy.
This policy is 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 (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 4 August 2026.
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