【June offer】Apply Foresight Deferred Annuity Plan and enjoy 5% premium rebate on AFYP! Click here
【June offer】Apply Foresight Deferred Annuity Plan and enjoy 5% premium rebate on AFYP! Click here
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Without limiting the protection period, Generations II offers you a true lifelong protection and an option for legacy planning that tailors your financial situation. It also provides a comprehensive business protection that helps to mitigate financial impact of loss of key person(s) in your company during the unfortunate events to help in business continuity.
Generations II - 50 offers an affordable life protection and savings along your evolving needs in your life. We understand you might need more protection in your early stage for achieving life goals at affordable price, starting from age of 65 or the 15th policy anniversary (whichever is later), the guranteed portion of Death Benefit will decrease from 100% of Sum Assured by 5% every year for 10 consecutive years to 50% of Sum Assured, and it will be remained at 50% of Sum Assured till the end of your policy; or by total premiums paid, whichever is higher.
In addition, the Mental Incapacity Benefit supports you in case of an emergency, enabling your loved ones to claim quickly from your policy in case you become mentally incapacitated, without legal complications. That way, you can rest assured knowing your loved ones will have financial support even when the hard times come.
Case Study
Mr. A is the sole breadwinner of his family and works hard to ensure they live well. However, he worries that they will suffer if he is no longer able to provide for them. He chooses Generations II - 50, confident that the Mental Incapacity Benefit will provide extra support. He designates his wife, Mrs. A, as the Mental Incapacity Benefit Recipient, and decides on a 25% Mental Incapacity Benefit Percentage.
Mr. A Age 45 |
Non-smoker standard rates | Married with 2 children Sum Assured: USD10,000,000 Single Premium Paid: USD2,237,000 Premium Payment Term: Single pay |
The above diagram is for illustrative purpose only, please refer to product brochure and sample policy document for details.
Generations II - 70 prepares you a balance of life protection and savings along your evolving needs in your life. We understand you might need more protection in your early stage for achieving life goals at affordable price, starting from the age of 70 or the 20th policy anniversary (whichever is later), the guaranteed portion of Death Benefit will decrease from 100% of Sum Assured by 3% every year for 10 consecutive years to 70% of Sum Assured, and it will be remained at 70% of Sum Assured till the end of your policy.
Case Study
Mr. B lives a comfortable life, providing for himself and his elderly parents. Always the one to plan ahead, he wants to have security for the future, in case of any unexpected needs or expenses. He chooses Generations II - 70 with 10 years premium payment term for further peace of mind against unpredictable changes.
Mr. B Age 45 |
Non-smoker standard rates | Have elderly parents Sum Assured: USD10,000,000 Annual Premium: USD337,200 Premium Payment Term: 10 years Premium Payment Mode: Annually |
Mr. B surrenders his policy at age 85
Mr. A passes away at age 85
The above diagram is for illustrative purpose only, please refer to product brochure and sample policy document for details.
Generations II - 100 guarantees a Death Benefit at 100% of Sum Assured for the whole life. It helps you safeguard those who are the most important to you. Enjoy complete life protection throughout the policy, so you and your family can live life carefree.
Case Study
With a spouse and 2 children depending on him, Mr. C knows that he needs to ensure they are protected against life’s uncertainties. He chooses Generations II - 100 for the comprehensive life protection the plan offers, as well as for financial peace of mind.
Mr. C Age 45 |
Non-smoker standard rates | Have 2 children Sum Assured: USD10,000,000 Single Premium Paid: USD3,497,100 Premium Payment Term: Single pay |
Mr. C surrenders his policy at age 85
Mr. C passes away at age 85
The above diagram is for illustrative purpose only, please refer to product brochure and sample policy document for details.
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