Stellar Whole Life Insurance: The Offshore Fixed Deposit Alternative with Guaranteed USD/SGD Returns
In today’s unpredictable financial environment, safeguarding your wealth through low risk, stable investments is more important than ever. While fixed deposits are commonly used for this purpose, Stellar Whole Life Insurance, offered by Archipelago Life Insurance Limited, presents a more comprehensive solution combining guaranteed returns, insurance protection, and foreign currency exposure in either USD or SGD.
Unlike traditional fixed deposits that are often denominated in Malaysian Ringgit (MYR), Stellar Whole Life Insurance offers a guaranteed crediting rate in either USD or SGD, providing stable returns while reducing exposure to MYR depreciation. This makes it an ideal tool for:
- Hedging against currency risks
- Diversifying wealth internationally
- Preserving capital in uncertain markets
Note: The policy currency (USD or SGD) is selected at the time of purchase and cannot be changed later. Payouts will be made in the same currency as the premium paid.
Key Benefits of Stellar Whole Life Insurance as an Offshore Fixed Deposit Alternative
1. Foreign Currency Diversification (USD or SGD)
Stellar allows investors to choose between USD or SGD at the inception of the policy, offering protection from MYR volatility and enhancing international wealth allocation.
💡 Tip: To avoid forced conversion to MYR upon withdrawal, use a multi currency bank account or a platform like WISE.
2. How Guaranteed Returns in USD or SGD are Better than a Fixed Deposit
Stellar offers predictable, compounding growth over fixed terms, an advantage over fixed deposit rates, which are subject to BNM’s policy decisions.
Example of Guaranteed Growth:
- 5% p.a. for 3 years: USD 100,000 grows to USD 115,763
- 4.75% p.a. for 5 years: USD 100,000 grows to USD 126,116
Note: Rates current as of June 2024 and subject to periodic updates.
| Policy Term | 3 Years | 5 Years |
|---|---|---|
| Crediting Rate | 5% | 4.75% |
Table 1: Policy Term & Crediting Rate June 2024 (Rates may change periodically—please verify before purchasing.)
| Year | Principal Amount (USD) | Growth at 5% Annual Rate (USD) | Growth at 4.75% Annual Rate (USD) |
|---|---|---|---|
| Initial Year | 100,000 | 100,000 | 100,000 |
| Year 1 | 100,000 | 105,000 | 104,750 |
| Year 2 | 100,000 | 110,250 | 109,726 |
| Year 3 | 100,000 | 115,763 | 114,938 |
| Year 4 | 100,000 | 121,551 | 120,397 |
| Year 5 | 100,000 | 126,116 | 126,116 |
Table 1.2: Projected Growth of a USD 100,000 Investment at Current Rates
3. Flexible Maturity Options
At the end of the policy term, you can:
- (A) Surrender: Withdraw your full policy value
- (B) Renew: Automatically continue with the updated rate (you’ll receive a renewal notice 60 days before maturity)
- (C) Annuitize: Convert the policy into regular income payouts (monthly, quarterly, etc.), currently at a 3% annuitization rate
| Policy Details | Single Premium | Policy Term | Crediting Rate | Account Value Captured |
|---|---|---|---|---|
| Annuity Option | USD 100,000 | 3 Years | 5% p.a. | USD 115,763 |
| Annuitize Policy by End of Year 3 | Income for 5 Years | Annuitize Rate (June 2024) | Annual Annuity Payment | |
| 3% | USD 24,541 |
Table 1.3: Annuitization Example
4. Comprehensive Death Benefits
If the insured passes away during the policy term:
- Beneficiaries receive 120% of the single premium or account value, whichever is higher
- Excludes suicide cases
- 120% booster not applicable for insured persons over age 70
5. Simple, Hassle Free Application
Enjoy a fast and easy onboarding process:
- No medical exams
- No financial documents
- Quick approval
Stellar is an excellent offshore fixed deposit alternative for investors seeking a secure way to manage their international assets.
- High Net Worth Individuals – Seeking foreign currency diversification
- Retirees – Wanting predictable, multi currency income
- Families – Planning for legacy and estate distribution
- Professionals & Business Owners – Securing long term financial protection
About Archipelago Life Insurance Limited
Licensed under the Labuan Financial Services and Securities Act 2010, Archipelago operates within the regulated Labuan IBFC and is a member of the Labuan International Insurance Association (LIIA).
📌 Verify its licensing here: Labuan FSA
Why Work with Louise Holden Capital Management Sdn Bhd?
An approved financial advisory firm registered under Bank Negara Malaysia, offering personalized advice through licensed adviser Y.F. Tham.
🔗 Approved Financial Advisers – Bank Negara Malaysia
How to Apply
Email: [email protected]
WhatsApp: Click to chat
Required Documents
Individual Clients:
- Completed Application Form
- Certified True Copy (CTC) of NRIC/Passport
- Proof of Telegraphic Transfer (TT)
- KYC & FATCA Forms
Corporate Clients:
- Completed Application Form
- Certified Company Registration Docs
- Board Resolution
- FATCA Form
Policy Roles at a Glance
| Role | Description |
|---|---|
| Life Insured | Person covered (Age 18 to 75) |
| Policy Owner | Controls the policy (Age 18 to 75) |
| Beneficiary | Receives death benefits |
| Annuitant | Receives annuity payouts |
FAQ: Common Questions About Stellar
Q: Can I change the policy currency after purchase?
A: No. The policy is issued in either USD or SGD based on your initial premium and cannot be changed later.
Q: What happens if I withdraw to a MYR only bank account?
A: The payout will be automatically converted to MYR. To retain the foreign currency, use a USD or SGD account or services like WISE.
Q: Is Stellar safer than a fixed deposit?
A: While not capital guaranteed like a fixed deposit, Stellar provides a guaranteed crediting rate and life insurance coverage, making it a secure, stable long term alternative.
Secure Your Future with Stellar
As global markets shift, Stellar Whole Life Insurance offers a strategic, low risk approach to long term wealth management featuring guaranteed returns, currency flexibility at inception (USD or SGD), and insurance protection. For those who previously relied on fixed deposits, Stellar is a smarter upgrade toward financial security and peace of mind.
📧 Contact us today: [email protected]
📱 Chat on WhatsApp: https://wa.me/60146308805
👤 Learn more: About Me