Highlights:

1. Seize upside potential for long-term wealth accumulation

Enjoy annual crediting interest rate which is back by our diversified investment portfolio that includes bonds, fixed income, equities and derivatives to enhance return stability and growth potential

2. Double guarantee for downside protection

• Guaranteed accumulation of your wealth upon death, full surrender or policy maturity
• Guarantee crediting interest rate no less than 0% p.a. to shield you against market downturns

3. Double bonuses for wealth growth

Receive a Loyalty Bonus and a Continuity Bonus to accelerate the wealth growth

4. Flexibility to top up and cash out to suit your financial needs

• Make Extra Premiums to match financial goals
• Enjoy the freedom to make withdrawals for unexpected expenses or planned financial goals
• Easily transfer to overseas bank accounts with the Overseas Transfer Service

5. Incapacity safety net

Two complementary solutions support you if you become mentally or physically incapacitated

6. Premium relief features

Ease your financial burdens during challenging periods by deferring or waiving future premiums if mishap happens

7. Comprehensive Legacy Planning Tools

• Flexible ways for legacy planning
   Change the insured, or swap between a Single Life or Joint Life policy
  
• Hassle-free inheritance allocation
  Continued wealth accumulation and last through generations
  
• Comprehensive Death Benefit Settlement Options
  Design the best payout pattern or continue the policy
  
• Protection for your policy
  Designate Contingent Policy Owner and Interim Policy Owner after policy issuance to ensure your policy endures for generations

Learn more about Death Benefit Settlement Options

Learn more about Contingent Policy Owner and Interim Policy Owner

Learn more about Incapacity Support Service

The above information is a product summary only and does not contain the full terms and benefits of the policy, 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 key product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.

View crediting interest rate philosophy

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