Provides true lifelong protection and peace of mind at a competitive single premium.
Envision a retirement where you can focus on enjoying life, unburdened by common concerns that affect many seniors. This kind of peace and contentment in your later years is achievable with proper planning. MultiGuardian is a participating insurance plan that offers whole-life protection, providing the basis for a lasting financial foundation that you and your loved ones can count on.
Highlights
Competitive premium with early guaranteed breakeven year
Allows you to secure substantial coverage with a competitive premium and it provides a early guaranteed breakeven at the 9th policy year to ensure financial security
Grow your savings and a sustainable future
Builds retirement savings through Guaranteed Cash Value and potential Terminal Bonus. Incorporates Environmental, Social, and Governance (ESG) elements as core components of our investments
Extra flexibility in legacy planning
Offers 5 Death Benefit Settlement Options to tailor your legacy planning
The above information is a product summary only, please contact your Advisor for details. Please refer to the product brochure and sample Policy Document for details including definitions and full terms and conditions including product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.
The below disclosure applies to the bonuses of MultiGuardian illustrated in Product Brochure and Proposal:
The projection of illustrated bonuses is dependent on current and ultimate investment yields. The ultimate investment yields make reference to ultimate interest rate assumptions with an additional margin of prudence adopted by the Company. These assumptions are influenced by actuarial guidance on ultimate risk-free interest rates published by the Canadian Institute of Actuaries, amongst other factors. The actuarial guidance as of July 3, 2019 suggests ultimate risk-free interest rates between 3.5% to 5.5%.
View bonus philosophy
What is ESG
ESG is a tool to analyze sustainability of a company. You can expect a more sustainable return and lower risk from companies with outstanding ESG rating. For those companies with higher ESG rating, it is expected to expose to a lower potential risk resulting from incidents such as worker strikes, litigation and negative publicity, which may cause lower future returns.
- E - Refers to Environmental, which covers areas such as climate change, resource scarcity and environmental pollution.
- S - Refers to Social, which focuses on topics like labour issues, public health and cyber security.
- G - Refers to Governance, which is about factors such as board diversity, structure and company policies.
Limited Time Offer:
Enjoy 2.5% discount on single premium for MultiGuardian
From now to May 31, 2026
If you successfully apply for MultiGuardian, you will be entitled to up to 2.5% discount on single premium!
These offers are subject to terms and conditions. For details, please refer to the relevant promotion leaflet.
Enjoy "HealthGuard" Concierge Services for MultiGuardian
From now to May 31, 2026
Upon successful application to MultiGuardian , you can enjoy “HealthGuard” Concierge Services including:
- Free Health Check-up
- SunPass (if applicable)
- Medical Concierge (if applicable)
These offers are subject to terms and conditions. For details, please refer to the relevant promotion leaflet.
Important Notes on Policy Reverse Mortgage Program ("PRMP")
MultiGuardian is an eligible life insurance plan under PRMP, providing you a stable income to improve the quality of retirement life. For further information about the PRMP, please refer to the Hong Kong Mortgage Corporation Limited (HKMC) website: www.hkmc.com.hk, or download PRMP leaflet.
Please note that MultiGuardian is an eligible life insurance plan under PRMP, but it does not necessarily mean that your PRMP application will be approved. The eligibility of this product under the PRMP is based on the features of the product. You and your life insurance policy are still required to meet the eligibility criteria under PRMP before you apply for the policy reverse mortgage loan.
The general information provided by us on PRMP is for reference only, and you should not make any decisions based on such information alone. You should always seek for advice from professional bodies if you have any doubts. Please note that the information provided is subject to change including the eligibility criteria for PRMP. We do not take any responsibility to inform you about any changes and how they may affect you. The PRMP is operated by HKMC Insurance Limited, a wholly-owned subsidiary of the HKMC. For further information, please refer to the HKMC website: www.hkmc.com.hk.