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FLEXI-Gold Saver Insurance Plan
FLEXI-Gold Saver Insurance Plan is an innovative universal life insurance plan not only giving you fast-growing savings and lifelong protection, but also offering you a wealth of Gold Bonuses!
- Extraordinary Rewards with Gold Bonuses
This plan offers you Gold Bonuses1, and you may redeem the Gold Bonuses to the same amount in 999.9 Gold Coupons2 or you may convert them into unscheduled premiums and deposit them into your policy to earn you extra returns.
2% Lifelong Guaranteed Gold Bonus
2% of the annual premium of the basic plan will be credited to the policy on every policy anniversary and up to the end of the benefit term.
Referral Gold Bonus
As the policyowner of FLEXI-Gold Saver, you will be entitled to a Referral Gold Bonus3 for any successful referral of this plan. This is equal to 3% of the first year annual premium on the basic plan of the referred policies. The more successful referrals you make, the more Referral Gold Bonus you can earn of this plan!
- 4% Guaranteed Interest Rate
To give you further security, FLEXI-Gold Saver offers you a 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.4
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
FLEXI-ULife Insurance Plan
The FLEXI-ULife Insurance Plan is a universal life insurance plan that keeps pace with you. Doing away with the limitations imposed by traditional whole life insurance, FLEXI-ULife offers you a tailor-made plan with more flexibility and even better choices to meet your ever-changing needs.
- Flexible Coverage
You can now simply adjust the original FLEXI-ULife policy to increase your coverage without applying for a new policy, thus saving additional policy fee. Most importantly, the premium rate for any new coverage will be based on your age when your policy was first issued instead of your current age, thus saving additional premiums. And, if necessary, you can reduce the sum insured as you wish.
- Exclusive Premium Flexibility
FLEXI-ULife allows you reduce the premium amount or even skip payments to cope with any financial emergencies, without any loan interest required, provided that your policy has accumulated a cash value. Most importantly, you still enjoy 100% protection.
- More Protection Options
FLEXI-ULife provides you with two life protection options: Level Benefit and Increasing Benefit, to match both your protection and savings needs. Most importantly, you can apply to switch the benefit option to better suit your circumstances at different points in time.
- Extra Bonus at Compound Rates
FLEXI-ULife credits interest monthly at a compound rate that helps your savings grow much faster.
- Guaranteed Interest Rate
FLEXI-ULife offers you a 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.1
- Unemployment Protection
FLEXI-ULife offers valuable “Unemployment Protection”. Should the policyowner be made redundant, there is an option which allows suspension of premium payments for 12 months. During this entire period, you will remain fully covered by the insurance.
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
5-Year Pay 10-Year Saving Plan
A short-term saving protection plan offers you higher flexibility and liquidity but lower return, whereas a long-term saving protection plan allows you to enjoy higher return but offers less flexibility, especially when fund is needed urgently. This plan offers a reasonable return in short-term and a more rewarding return in the long-term to cater for your own personal needs.
- Desirable Return in 5 Years
On the 5th policy anniversary, you will be entitled to a guaranteed coupon equal to 5% of the sum assured. Thus, this plan allows you to enjoy a higher flexibility and liquidity with a desirable return.
- More Rewarding Return in 10 Years
You will entitled to another guaranteed coupon equal to 15% of sum assured on maturity in 10 years. Thus, you can enjoy a more rewarding return.
- Ease with 5 Years Payment
You can choose to pay a series of regular payment for only 5 years based on your own financial status. The short premium payment period offers you more financial flexibility.
- Abundant Harvest in a Short Period
The policy will acquire a guaranteed cash value on attaining the first policy anniversary, which will escalate gradually over the policy term. On attaining the 5th policy anniversary, the guaranteed cash value will have exceeded the total premium you have paid. Short break-even period is a special feature of this plan, allowing you to enjoy higher financial flexibility. In case of emergency, you may also apply for a policy loan for extra financial flexibility.
- Flexible and Desirable Dividends
On top of the guaranteed coupons, you can also receive the policy dividends annually as long as the policy is in force. You may deposit the policy dividends with us to accumulate for interest until maturity so as t enjoy a rewarding return. Alternatively, you may also choose to receive the annual policy dividends in cash.
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
Saving Plan 8 Plus
Saving Plan 8 Plus offers a single premium for an eight-year annuity savings plan. Starting from the ninth years onwards, you will be receiving cash payment annually until the sixteenth year of the savings plan.
- Hassle-free Single Premium
You can choose to pay a single premium, which can speed up your financial plan, and let you stay worry free afterward.
- Five-year Savings, Ideal Rewards
You are guaranteed to receive 108% of your policy returns, including extra bonus. Your advance payments of the maturity value are up to 134%. Letting your rewards more ideal.
- Eight-year Annuity, Flexible Plan
You are guaranteed to receive 119% of your policy returns, including extra bonus. Your advance payments of the maturity value are up to 134%. We offer 15% of your premium to make your financial plan more flexible.
- Sixteen Years Savings, Plentiful Rewards
Receive 18% extra bonus on the sixteenth anniversary. Make your rewards more plentiful.
- Extra Bonus
You can receive extra bonus on every anniversary. You can choose to withdraw in cash or leave it with us to earn interest.
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
Golden Age Retirement Plan
Golden Age Retirement Plan is a flexible saving plan with life insurance protection and a choice of six different benefit periods to meet your financial status.
- Ease with Short Payment Term
You may select to pay a one-off single premium or a series of premium payments for only 5 years. Once your application is accepted, the premium remains unchanged with age. As the premium is fixed, you can have a much better and easier financial planning.
- Flexible Choice to Fit Your Needs
In view of the needs at different stages of life, you can choose the benefit term which meets your needs best. You can choose 40, 45, 50, 55, 60 or 65 to be the maturity age.
- Abundant Harvest on Maturity
This plan has a guarantee maturity benefit. You will be entitled to it on attaining the selected maturity age. With this desirable harvest, you can fulfill different dreams and enjoy wonderful life.
- Flexible and Desirable Dividends
Aside from having a comprehensive life protection, you can also receive policy dividends annually as long as the policy is in force. You may deposit the policy dividends with us to accumulate for interest until maturity so as to enjoy a desirable return. Alternatively, you may also choose to receive the annual policy dividends in cash or use it to offset against future premium.
- Optional Benefit for Better Protection
Base on your personal needs, you can choose to take up different optional benefits for a more comprehensive protection.
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
Rainbow Age Whole Life Plan
Rainbow Age Whole Life Plan provides you with a choice of four different maturity advancement periods to meet your different financial needs. You will receive the advance payments of the maturity value after your selected contribution years. Also, you can enjoy the lifetime protection until the insured’s age reaches 100.
- Flexible Choices to Fit Your Needs
Rainbow Age Whole Life Plan offers a choice of four different premium periods. You can select from 5-year, 10-year, 15-year or 20-year to be the premium term according to your own financial status so that you can achieve your financial goals relaxing and flexibly.
- Wealth Building with Cash Coupons
Rainbow Age Whole Life Plan provides cash coupons and the accumulated total is as high as 100% of the sum assured. The first cash coupon is declared at the end of the fifth policy year. You can collect the declared cash coupons at any time or deposit them with us to earn a desirable return.
- Flexible and Desirable Dividends
Aside from having a comprehensive life protection, you also receive the policy dividends annually as long as the policy is in force. You may deposit the policy dividends with us to accumulate for interest until maturity so as to enjoy a desirable return. Alternatively, you may also choose to receive the annual policy dividends in cash or use it to offset against future premium.
- Free Accidental Protection
In the unfortunate event of your death due to accident, an additional accidental death benefit can be as high as HK/MOP2,000,000 or USD250,000.
- Optional Benefit for Better Protection
Base on your personal needs, you can choose to take up different optional benefits for a more comprehensive protection.
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
Peaceful Age Whole Life Plan
Peaceful Age Whole Life Plan provides a whole life insurance protection as well as a savings feature. Peaceful Age Whole Life Plan offers a choice of four different premium payment periods to meet your personal financial status. At the end of the chosen premium payment period, you can still enjoy the original protection until the age of 100 with complete peace of mind.
- Flexible Choices to Fit Your Needs
Peaceful Age Whole Life Plan offers a choice of 6-year, 8-year, 10-year or 12-year to be the premium term. You can select according to your own financial status so a to achieve your financial goals relaxingly and flexibly.
- Flexible and Desirable Dividends
Aside from have a comprehensive life protection, you also receive the policy dividends annually as long as the policy is force. You may deposit the policy dividends with us to accumulate for interest until maturity so as to enjoy a desirable return. Alternatively, you may also choose to receive the annual policy dividends in cash or use it to offset against future premium.
- Free Waiver of Premium Benefit
In the unfortunate event of your total and permanent disability for an uninterrupted period of not less than 180 days during the premium payment period, the premium due for the Basic Plan within the period of your disability shall be waived. The waiver of premium benefit is free of charge.
- Optional Benefit for Better Protection
Base on your personal needs, you can choose to take up different optional benefits for a more comprehensive protection.
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
18-Year Pay Whole Life Insurance Plan
18-Year Pay Whole Life Insurance Plan offers a whole life insurance protection at an economical cost. With it, you can enjoy a whole life protection together with wealth accumulation.
- 18-year premium to bring lifelong protection.
You may select to pay an one-off single premium or a series of premium payments for only 18 years. Once your application is accepted, the premium remains unchanged with age. As the terms and the amount of the premium are fixed, you can have a much better and easier financial planning.
Enjoy a large amount of protection at a low premium outlay.
The plan comprises a saving element. After the 3rd policy anniversary, the policy will acquire a guaranteed cash value, which will escalate gradually over the policy term. In case of an emergency, you may also apply for a policy loan for extra financial flexibility when the policy is still in force.
- Enroll at an early age, and enjoy your retirement life.
- After the contribution period, you can still enjoy a fixed guaranteed cash value and extra bonus.
- Gives a reliable protection for your family and provides sufficient educational funds for your children.
For inquiries, please call our customer service hotline 2870 2800 or visit any of our branches.
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