InLife Launches Global Equity Premium Income Fund

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What Readers Should Know

InLife has launched the Global Equity Premium Income Fund, a VUL fund that invests through a feeder fund into JPMorgan’s Nasdaq Equity Premium Income ETF. It combines an actively managed equity portfolio with an options-based income strategy to support potential monthly payouts. GEPI will be available for new applications and eligible existing VUL policies, including Wealth Assure Plus and Solid Fund Builder,…

Key Takeaways

GEPI is a VUL fund: It is accessed through eligible InLife investment-linked insurance policies.
The target investment is JEPQ: GEPI invests through a feeder fund into JPMorgan’s Nasdaq Equity Premium Income ETF.
Income is a key objective: The target strategy uses equities and options-based income generation to support potential monthly payouts.
Investment risks remain: Distributions and capital are not guaranteed, and the options strategy can limit participation in market gains.
Eligible existing policies can participate: Fund switches and top-ups are available subject to InLife’s requirements.

InLife has introduced the Global Equity Premium Income Fund (GEPI), a variable unit-linked insurance fund that combines exposure to global equities with an options-based strategy designed to generate potential monthly income.

GEPI invests through a feeder fund into the JPMorgan Nasdaq Equity Premium Income ETF (JEPQ). The target fund holds an actively managed equity portfolio and uses an options strategy to support income generation.

The offering expands InLife’s investment-linked fund choices for policyholders seeking exposure to major global businesses alongside potential income distributions.

Combining equity exposure and income generation

According to InLife, the target fund provides exposure to companies similar to those represented in the Nasdaq-100, an index of 100 of the largest non-financial companies listed on Nasdaq.

The strategy combines equity investing with income generated from selling call options. In exchange for receiving option premiums, an options-based income strategy can give up some participation in market gains.

JEPQ also uses equity-linked notes as part of its investment approach. These instruments carry additional risks, including liquidity and counterparty risks, according to J.P. Morgan’s disclosures.

GEPI therefore offers a different investment approach from simply holding a fund that tracks the Nasdaq-100.

Potential monthly payouts, with market risk

InLife positions GEPI for investors seeking regular potential income and a smoother experience investing in Nasdaq-related equities.

Higher market volatility can increase option premiums, potentially supporting income generation. However, stronger premium income does not necessarily mean a higher overall investment return, particularly if the underlying equities decline.

Monthly payouts, investment returns, and capital are not guaranteed. J.P. Morgan notes that investment returns and principal values fluctuate, and investors may receive less than their original investment when redeeming shares in the target ETF.

Policyholders should assess potential distributions alongside changes in fund value and the charges applicable to their VUL policy.

Another option for eligible InLife policyholders

InLife Chief Product and Innovation Officer Jose Eduardo O. Ang said the fund responds to Filipino investors’ interest in global innovation and technology businesses, while addressing concerns about market volatility through an active income strategy.

The company said GEPI will be available for new applications and eligible existing InLife VUL policies, including fund switches and top-ups.

Eligible products include Wealth Assure Plus and Solid Fund Builder, subject to applicable requirements.

Because access is through a VUL policy, customers should review both the fund’s investment features and their insurance contract’s terms, including charges and payout arrangements.

Interested policyholders can consult their InLife financial advisors or visit the Global Equity Premium Income Fund page for more information.

Reader Questions

Frequently Asked Questions

What is InLife’s Global Equity Premium Income Fund?

GEPI is a VUL fund offering equity exposure and potential monthly income through an investment in a feeder fund targeting JEPQ.

What is JEPQ?

It is the JPMorgan Nasdaq Equity Premium Income ETF, which combines an actively managed equity portfolio with an options-based income strategy.

Are monthly payouts guaranteed?

No. Payouts depend on the applicable fund and policy arrangements, and investment income can vary.

Can the investment lose value?

Yes. The fund remains exposed to market and other investment risks, and income generation does not guarantee capital protection.

Which InLife policies can access GEPI?

InLife identifies Wealth Assure Plus and Solid Fund Builder among eligible policies, subject to applicable requirements for applications, switches, and top-ups.

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