FLEXI-Annuity Savings Plan
FLEXI-Annuity Savings Plan allows you to save with a guaranteed interest rate and extra bonuses for a lifelong annuity income for your golden years.

• Guaranteed lifelong income for the rest of your life
  You have total freedom to determine when to exercise the annuity option and convert the cash value into a fixed-income monthly annuity for life.¹
  
  
• Many more annuity options to suit your needs
  This plan provides the widest range of annuity options available in the market, including: “Lifetime fixed-income annuity,” “Lifetime fixed-income annuity with 10 years guaranteed payment”, “Lifetime fixed-income annuity with 15 years guaranteed payment” and “Joint annuitant fixed-amount lifetime annuity”², to meet your different needs.
  
  
• 4% Guaranteed Interest Rate
  The plan offers you a 4% guaranteed interest rate. The policy value is guaranteed to have accumulated to at least an amount as if the interest rate credited had been 4% p.a. ³

1. The earliest annuity date is at the 10th policy anniversary or the policy anniversary on which the insured has reached age 55, whichever is later. Current requirement on minimum cash value for annuity conversion of US$10,000.
2. Current requirement of the age of spouse when exercising the “Joint annuitant fixed-income lifetime annuity” option is 40 or above.
3. The “guaranteed interest rate” is only applicable to a policy that has been in force for 15 years or more.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.

FLEXI-Annuity Investment Plan
FLEXI-Annuity Investment Plan gives you a regular savings plan for investment in global market funds, making your money work harder to earn you greater potential returns. Best of all, it also aims to offer you lifelong monthly fixed income to protect your future quality of life by giving you an “Annuity Option”.¹

• Flexible investment portfolio
  Map your own ideal investment portfolio with our privilege global funds managed by professional fund managers to capture greater potential returns. Best of all, you may opt to change the portfolio at any time.
  
  
• Extra bonuses offering better returns
  FLEXI-Annuity offers you extra bonuses at the 10th policy anniversary and every 5 years thereafter until you execute the annuity option.
  
  
• A fixed-income annuity for the rest of your life
  You may execute the Annuity Option and convert the cash value into a lifetime fixed-income monthly annuity, guaranteeing you lifelong income.²
  
  
• Various annuity options for your selection
  With various annuity options ranging from “lifetime fixed-income annuity” to “lifetime fixed-income annuity with 10 years guaranteed payment” or even “lifetime fixed-income annuity with 15 years guaranteed payment,” etc., FLEXI-Annuity will meet all your needs whatever the future may bring.
  
  
• Flexible annuity date at any time
  With total freedom to determine the annuity date most favorable to you, you may capture greater potential returns and maximize your future income annuity.¹
  
  
• Flexible premium payments to suit your needs
  You have total control to determine and to change the premium amount, payment mode, or even the payment period at any time to match your financial status. You may also reduce the premium amount or even skip payments once the cash value is sufficient to cover policy charges.³
  
  
• Flexible cash withdrawal to cope with emergencies
  To provide for your liquidity requirements in case of emergency, you are free to redeem your funds for cash if the cash value is sufficient to cover policy charges.⁴

1. The earliest annuity date is at the 10th policy anniversary or the policy anniversary on which the insured has reached age 55, whichever is later.
2. The policy value is equal to the number of fund units multiplied by the bid price of the units, and the cash value is equal to the policy value less the surrender charge whenever applicable. Current requirement on minimum cash value for annuity conversion is US$10,000.
3. Current requirement on the minimum yearly target premium is US$500.
4. Cash withdrawal will be subject to a withdrawal charge. Please refer to Principal Brochure for details.

The above information is for reference only and does not constitute an offer or solicitation for the purchase or sales of any funds or insurance. Please refer to the Principal Brochure for details. For benefit coverage and exact terms and conditions, please refer to policy document. Each investment fund is subject to market and exchange-rate fluctuations and to the risks inherent in all investments. Fund prices may go down as well as up. This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.

For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.

Guaranteed-Lifetime Immediate Annuity Plan
Guaranteed-Lifetime Immediate Annuity Plan¹ is specially tailored for those aged 55 to 75 who have retired or are about to retire. With a single premium, you can IMMEDIATELY enjoy a lifetime monthly annuity income with an annuity rate of as high as 5% - 7% p.a.² Best of all, the annuity rate is guaranteed for life, even if you live to be over 80, 90, 100 or even older.

• Start off your retirement right away with Immediate Annuity
  To offer you further peace of mind and for an enjoyable retirement life, the monthly annuity will be paid immediately and directly into your designated bank account the month following the date the policy becomes effective.
  
  
• A wealth of annuity options to suit your personal needs
  The plan offers you a full range of unique annuity options to cope with your individual needs, which includes 10/15 Years Guaranteed Lifetime Fixed Annuity and 10/15 Years Guaranteed Lifetime Fixed Annuity – Joint Annuitants.
  

1. An Immediate Annuity is a contract by which an insurance company will pay a regular annuity payment (e.g. on a monthly basis) to its annuitants for life in exchange for a single premium. The regular annuity payment represents a portion of the single premium and an investment return on the single premium.
2. The above stated annuity rate is for reference only and not guaranteed. The actual annuity rate offered to the applicant may be higher or lower and will be based on the annuity rate applicable at the time of policy issue. Upon policy issue, the actual annuity rate will be fixed and guaranteed for life.

The above contains general information only. For full details, please refer to the policy documents. Luso International Banking Ltd. is an appointed insurance agent (Corporate body established in Macao) of MassMutual Asia Ltd. (“MassMutual Asia”). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Monetary Authority of Macao and Office of the Commissioner of Insurance of Hong Kong.