Our Solutions – Singapore

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Utmost Wealth Solutions provides insurance-based solutions* to high net worth clients who want to sustain and pass on their wealth. Life insurance is a robust and proven solution, which assists in financial planning, enabling clients to pass on their wealth in a controlled manner.

Wealth solutions is our core business. We employ focus, scale and technical expertise to safeguard our clients’ wealth.

*a capital redemption variant may be available in certain jurisdictions.


A single contribution investment-linked open-architecture product where the benefits are linked to the performance of a portfolio of investment assets. This Plan is suitable if you are an accredited investor with a medium to long-term investment outlook. The minimum investment is US$150,000 (or currency equivalent) in a lump sum contribution or investment assets, or a combination of both.

Key Features

  • A whole of life insurance plan. The plan will pay a death benefit of 101% of the investment value of the plan following the death of the applicable life assured.
  • Professional Portfolio’s versatility means that it is equally effective whether your investment strategy is geared towards growth, capital preservation or to provide a regular withdrawal.

Please see our brochure here


A regular contribution whole of life investment-linked plan (“ILP”). Suitable for investors with a medium to long-term investment time horizon. Focus is designed as a partnership between you, your Financial Adviser and us. We provide you with a simple and easy-to-understand fee structure, a reward for maintaining your commitment (you commit to pay contributions for between 3 and 15 years) and access to low cost investment funds so that, together, we can focus on achieving your financial goals.

Key Features

  • The plan will pay a death benefit of 101% of the investment value of the plan following the death of the applicable life assured.
  • Commitment Reward: you will receive up to 5% of regular contributions paid, if you meet your commitment to us.

Please see our Product Summary here

Please see our Key Features here

Please see our FOCUS (Sing) ILP Sub Funds Brochure – April 2021

Please see our FOCUS Investment Linked Sub Funds Overview – June 2021

Please see our FOCUS Investment Linked Sub Fund Performance – June 2021


A single contribution whole of life, investment-linked plan (“ILP”). Choice is a versatile investment plan, designed to help you and your children achieve your ambitions. It can also be used to provide for a comfortable retirement. We designed Choice so that you can make the most of life’s opportunities and be prepared for life’s challenges.

Key Features

  • Designed to help you meet your long-term financial objectives
  • The plan will pay a death benefit of 101% of the investment value of the plan following the death of the relevant life assured.

Please see our brochure here

Please see our Singapore ILP Sub Fund Brochure – April 2021

Please see our ILP Sub-Funds Performance – June 2021


Utmost Wealth Solution’s international operation operates through Utmost Worldwide Limited, based in Guernsey, Channel Islands. Guernsey offers peace of mind through its policyholder protection regime that requires substantial segregation of planholder linked assets from the assets of the insurer. All planholders with Utmost Worldwide benefit from Guernsey’s ‘policyholder protection regime’ under the licensing conditions imposed by the GFSC. This means that at least 90% of the assets that support all Utmost Worldwide liabilities to planholders are held in trust with an independent third party trustee.

Plans issued by Utmost Worldwide Limited, Singapore Branch are subject to protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage, where applicable 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 LIA or SDIC websites (lia.org.sg or sdic.org.sg). The Scheme only covers guaranteed benefits in the case of investment-linked policies.

You can have immediate and secure access to your Plan information through our ‘Online Service Centre’. This allows you to view up-to-date valuations on your Plan. You can also submit certain requests through the ‘Online Service Centre’.

To log-in or register for access, please visit https://my.utmostworldwide.com/PortfolioManager/



How can we help?

To find out more about solutions available in Singapore, contact our sales team.



If you have a query about an existing policy, contact our customer support team.

Customer support


To manage your plan online, login to the Online Service Centre.

Online Service