FLEXI-Invest Insurance Plan
FLEXI-Invest is an investment-linked universal life insurance plan that not only invests your money for higher potential long-term returns, but also provides flexible life insurance to protect your wealth.

• Global Investment Funds to Match Your Investment Strategy
  No matter whether you are an aggressive, modest or conservative investor, with our global investment funds managed by professional investment managers, you can easily map out your preferred investment portfolio to reach your investment targets.
  
  
• Maximum Flexibility in Adjusting Your Investment Portfolio
  Our top priority is to help you capture market opportunities and increase the potential for greater returns. That’s why with FLEXI-Invest you can always change your fund allocation at any time to realize your investment targets or even adjust your level of investment among the various funds, in any amount, as you wish.1
  
  
• Extra Bonus
  To help you achieve long-term investment objectives, FLEXI-Invest offers you extra bonuses - on the 20th policy anniversary and every five years thereafter – which will be used to buy additional investment units.

1. Fund switching will be subject to a discounted bid-offer spread of 1%. Please refer to the 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.

Premier-Choice Flexi Plan
Premier-Choice Flexi plan which offers 3 attractive potential returns, 6 investment flexibilities plus an extra protection for peace of mind, enabling you to enjoy higher potential returns. What's more, you can enjoy Wealth Suite Online services free of charge.

3 Attractive Potential Returns

• Up to 30% First Year Bonus Contribution
  Offers a guaranteed Bonus Contribution each month in the first year, with a total amount of up to 30%¹ of the first year target premium of the basic plan.
  
  
• Extra Bonus for Loyal Customers - Maturity Bonus
  You will receive a guaranteed extra-handsome Maturity Bonus² on policy maturity, giving you more capital to maximize your future potential returns.
  
  
• No Bid-offer Spread For Most Funds
  To save more of your money for investment and to make your money work much harder for you, no bid-offer spread³ is charged for most fund options.

6 Investment Flexibilities

• Choose from Some 100 Diversified World-class Funds
  Offers a wide choice of some 100 premier investment funds managed by renowned world-class investment managers⁴, helping you to capture the best market opportunities and maximize potential returns.
  
  
• Free Fund-switching
  Offers you an unlimited number of opportunities to switch your investment funds, free of any service charge⁵.
  
  
• Flexible Increase in Investment
  You have the flexibility to increase the target premium of your basic plan⁶. Best of all, you will be entitled to receive a Bonus Contribution every time you increase your investment⁷.
  
  
• Various Investment Term Options
  Offers 26 investment-term options ranging from 5 years to a maximum of 30 years, giving you total control over your finances.
  
  
• Flexible Maturity Options
  Upon policy maturity, you may still keep your plan running⁸ so as to seize the best timing for fund redemption and lock in the greatest potential investment gains.
  
  
• Flexible Cash Withdrawal
  For you to enjoy greater liquidity in case of emergency, you can redeem your funds for cash⁹ once your policy has accumulated a cash value. Alternatively, you may skip premium payments as long as the cash value of your policy is sufficient to cover any policy charges¹⁰.

An Extra Protection for Peace of Mind

• Free Accident Premium Waiver Benefit¹¹
  In the event that the insured suffers total disability due to accident for not less than 6 months, we will take full care of all subsequent premium contributions for the basic plan up to US$10,000 annually for each insured¹².

1. If the policyowner chooses a 30-year investment term with target yearly premium of the basic plan of or exceeding US$15,000, he/she will receive a 30% first year Bonus Contribution. 1% to 29% first year Bonus Contribution will be awarded for other choices of investment term and target yearly premium. For details, please refer to the Principal Brochure.
2. The amount of the Maturity Bonus is equal to 1.25% of the aggregate annual policy value during the investment term. The annual policy value is the average monthly policy value during the respective policy year.
3. For the bid-offer spreads of certain funds and details of other charges under this plan, please refer to the Principal Brochure.
4. Some Fund are not allowed sold in Macao ,please refer to the Principal Brochure for details
5. The bid-offer spreads of certain funds are stated in the "Investment Choice" brochure.
6. For any increase in target yearly premium, the minimum remaining investment term should be 5 years, while the insured should be aged 70 or below. The policy maturity date will remain unchanged after an increase in target yearly premium. Any increase in target yearly premium will be subject to the prevailing administration requirements. Prior notice will be given to policyowners should there be any changes in administration requirements for increase in target yearly premium.
7. For any increase in target yearly premium, the Bonus Contribution rate will be calculated based on the remaining investment term of the policy, which should be a whole number.
8. The investment units of a policy will be retained until the date when the insured reaches the age of 100.
9. You can withdraw any amount provided that the balance of the cash value of the policy is sufficient to cover policycharges for the next two months. MassMutual Asia Ltd. may, at its absolute discretion, limit the number of units of an investment fund to be redeemed on any valuation date to up to 10% of the aggregate number of outstanding units of such investment fund. Withdrawals will be subject to a withdrawal charge. Please refer to "Summary of Current Charges" in the Principal Brochure for details of the withdrawal charge.
10. If the cash value is insufficient to cover policy charges, the policy will be terminated with no value. Nevertheless, a grace period of 31 days will be provided before such termination.
11. The insured should be aged between 18 and 65 when exercising the Accident Premium Waiver Benefit.
12. The target yearly premium of the basic plan to be waived under all Premier-Choice Flexi plans of the same insured is up to US$10,000 per annum on a per-life basis.

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.

Premier-Choice Flexi Plus

Premier-Choice Flexi Plus¹ is a premier-quality single-premium investment-linked insurance plan offers you many special features and flexibilities to help you move faster towards your investment goals.

3 Ways to Supercharge Your Investments

• Easy Access to some 100 Diversified World-class Funds
  Map out your ideal portfolio with a wide choice of some 100 premier investment funds² managed by renowned world-class investment managers. The full spectrum of investment funds helps you to capture the best market opportunities and enhance potential returns.
  
  
• No Bid-offer Spread for Most Funds
  To save more of your money for investment and make your money work much harder for you, no bid-offer spread³ is charged for most fund options.
  
  
• Special Bonus Enhances Potential Returns
  In order to enhance your potential returns, Premier-Choice Flexi Plus offers you an extra Special Bonus. At the beginning of each policy month, if the net investment or policy value attains US$30,000 or above, the Special Bonus will be credited to your policy⁴.

Special Bonus will be provided according to the following scale:

Net Investment is the sum of the initial single premium and all unscheduled premiums, net of any surrender value that has been partially surrendered.

Additional investment units will be bought with the Special Bonus according to your fund allocation instructions in effect at the time.

3 Investment Flexibilities

• Free Fund Switching
  Premier-Choice Flexi Plus allows you to freely switch your investment funds⁵, free of any service charge⁶, tactically gearing your investment strategy towards market conditions in order to help boost the overall portfolio performance.
  
  
• Flexible Increase in Investment
  To reach your investment targets faster, you have the flexibility to make top-up unscheduled premiums⁷ in your plan at any time⁸ to increase your investment.
  
  
• Flexible Cash Withdrawal
  To enable you to enjoy greater liquidity in case of emergency, Premier-Choice Flexi Plus offers you the flexibility to make cash withdrawals⁹ by redeeming your funds. Best of all, no surrender charge is incurred for any cash withdrawal within the encashment limit¹⁰. For cash withdrawals made more than 5 years after the last premium payment, no surrender charge is applicable.

1. The minimum initial single premium for the Premier-Choice Flexi Plus is US$10,000. The policy is denominated in US Dollars. The minimum for each unscheduled premium is US$5,000.
2. The allocation for each selected fund should be not less than 10% of total investment and should be a whole-number percentage.
3. The bid-offer spreads of certain funds are stated in the “Fees and Charges” under “Note to Investors” in the “Investment Choice Brochure”.
4. The Special Bonus is applicable from the 2nd policy month.
5. Maximum number of fund switches and switching amount may be subject to conditions imposed by an individual fund. Please refer to the “Investment Choice Brochure” for details.
6. Bid-offer spreads are imposed on some fund options as stated in the “Investment Choice Brochure”.
7. Each unscheduled premium will be subject to monthly deductions. Please refer to “Summary of Current Charges” in the “Product Brochure” for details.
8. When making an unscheduled premium, the insured must be aged 70 or below.
9. Cash withdrawals will be subject to withdrawal and surrender charges. Please refer to “Summary of Current Charges” and illustrative example in the “Product Brochure” for details. Cash withdrawals can be made provided the balance of policy value is not less than US$5,000.
10. Cash withdrawals in excess of the encashment limit will be subject to a surrender charge. Please refer to “Summary of Current Charges” and illustrative example in the “Product Brochure” for details. The encashment limit will be subject to change at the Company’s discretion, with prior written notice in not less than three months.

Important information

Investors should remember that 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. The risk level is determined according to the historical volatility of the fund and is for reference only. The past performance and volatility level of a fund is not indicative of its future performance and yields are not guaranteed. This website is for information purposes only and does not constitute an offer or solicitation for the purchase or sales of any funds or insurance. Please refer to the Principal Brochurefor details including fees & charges.

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.