FLEXI-Education Savings Plan

The FLEXI-Education Savings Plan provides you with 5 key advantages, ensuring you achieve the savings goals necessary to fund your child’s education.

• Extra bonuses + Compound rates = Higher Returns
  Interest is credited monthly at a compound rate that helps your savings grow even faster. In addition, you will be offered “Extra Interest Bonuses” to ensure the education fund accumulates much faster.
  
  
• 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% annually.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 meet the financial needs at different stages. You may deposit extra premiums to achieve the savings goals necessary to fund your child’s education and you may also reduce the premium amount, or even skip payments, provided that the policy has accumulated cash value.
  
  
• Flexible cash withdrawal to cope with your child’s needs
  To meet the financial needs of your child’s education at different stages, you can withdraw cash from the cash value of the policy at any time, provided that the policy has accumulated sufficient cash value.
  
  
• Total peace of mind with payor’s benefit
  You can rest assured that the education fund will accumulate according to schedule by simply attaching a supplementary “Payor’s Benefit” to the plan. In the event of policyowner’s death or total disability for over 6 consecutive months before age 65, MassMutual Asia Ltd. will pay the premiums for you until the insured child reaches age 25.²

1. The guaranteed interest rate is only applicable to a policy that has been in force for 15 years or more.
2. The “Payor’s Benefit” is valid until the insured child has reached age 25 or the policyowner has reached age 65, whichever is sooner.

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-Education Invest Plan
FLEXI-Education InvestPlan not only gives you a flexible choice of global market investment funds, but also offers you extra bonuses for greater potential long-term returns, helping you prepare sufficient reserves to fund a quality education and a more secure future for your child.

• Flexible investment to make your child’s dreams come true
  Map your ideal investment portfolio with our many privilege global funds for greater potential returns. Best of all, you may opt to change your portfolio at any time.
  
  
• Extra bonuses add value to your education fund
  FLEXI-Education offers you extra bonuses at the 10th policy anniversary and every 5 years thereafter, maximizing potential returns by offering you with additional funds units with these extra bonuses.
  
  
• Flexible payments to suit your financial needs
  With FLEXI-Education, 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.¹ You may also reduce the premium amount or even skip payments once the cash value is sufficient to cover policy charges.
  
  
• Flexible cash withdrawal to suit child-growth needs
  You are free to redeem your funds for cash at any time provided that the cash value is sufficient to cover policy charges.² You may also set multiple savings targets to meet financial needs for your child’s education at different stages.
  
  
• Payor’s benefit to give 100% peace of mind
  You may also apply for a supplementary Payor's Benefit at a minimal premium. In the event of the policyowner's death or total disability for over 6 consecutive months before age 65, premiums falling due will be waived until the insured child reaches age 25.³

1. Current requirement on the minimum yearly target premium is US$500.
2. Cash withdrawals will be subject to a withdrawal charge. Please refer to Principal Brochure for details.
3. The Payor’s Benefit will be terminated when the insured reaches age 25; or when the policyowner reaches age 65, whichever is earlier.

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.