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Limited Offer*
Grow Steady Goal Ahead
To effortlessly reach your short-term savings goals, you need a reliable and robust financial solution. The 5-Year GoalAhead Insurance Saver (the “Plan”) offers guaranteed returns and life insurance protection, helping you steadily grow your wealth while providing protection for you and your family. With this plan, you can achieve your savings goals with ease and look forward to a brighter future.
* The Plan is offered for a limited period and on a limited quota basis, and its availability is at the discretion of YF Life. We reserve the right to decline applications for the Plan with a full refund of any premium paid by you and premium levy paid (applicable to policies issued in Hong Kong only) without interest.
2-year Premium Payment Term
Guaranteed Returns
Worry-free Protection
- Premium payment term of 2 years only
- Option for the lump sum prepayment, i.e., to prepay the premium for the 2nd year along with the 1st year premium at the time of application, and earn a guaranteed interest rate of 12% p.a.1 for the prepaid premium for the 1st year
- No medical examination is required
Notes:
1 Guaranteed interest rate on prepaid premiums in the Premium Deposit Account (“PDA”) refers to the interest rate on future premiums deposited into the PDA. The deposited amount in the PDA will generate interest at a guaranteed rate of 12% p.a. from the Policy Date. If no withdrawal has been made to the balance of the PDA (if any), interest will be credited to the PDA at the end of the 1st policy year, provided that the Policy remains in force. The balance of the PDA (if any) will only be used to settle the renewal premiums of the basic plan when due. The prepaid premiums will be stored in the PDA and the balance of the PDA (if any) can only be withdrawn in full. In case of withdrawal of the balance from the PDA, an amount equal to 3% of the balance of the PDA (if any) will be charged. 97% of the balance of the PDA (if any) will be returned. Please refer to the benefit illustration for details of premium prepayment.
- When the Policy matures on the 5th policy anniversary, a guaranteed cash value of up to 115.93%2 of total premiums paid will be available
- Option to receive the savings in a lump sum or by monthly payments
Notes:
2 The highest Guaranteed Cash Value upon the policy maturity is 115.93% of total premiums paid, and is only applicable to US dollar prepayment policies. The Annual Premium of a basic plan that had been reduced (i.e., partial surrender) is excluded from the total premiums paid. The guaranteed return is subject to the policy currency and payment mode you choose, please refer to the product brochure for details.
- Death benefit guaranteeing refund of capital
- The Beneficiary can opt to receive the Death Benefit3 by immediate payment or deferred payment4. Deferred payment is applicable when the amount of the Death Benefit is less than the Cash Value as at the Benefit Expiry Date (i.e., upon policy maturity), in which case the Beneficiary may defer receiving the Death Benefit till policy maturity. The benefit will be equal to the Guaranteed Cash Value upon policy maturity
Notes:
3 The Policy Owner may elect an option (including monthly payments for a fixed period or of a fixed amount) during the lifetime of the Insured and before the Benefit Expiry Date. If the Death Benefit is payable in one lump sum when the Insured passes away, the Beneficiary may elect an option with our consent.
4 Applicable if the premiums have been fully paid on the day the Insured passes away, with no Policy Debt or withdrawal of prepaid premium.
Issue Age (At Last Birthday)
Age 0-70
Benefit Term
5 years
Premium Payment Term
2 years
The above information contains general information of the Plan and is for reference only. It does not form part of the Policy and does not contain the full terms of the Policy. You should not purchase any insurance product based solely on the above information. To understand the details, full terms and conditions of the Plan, please refer to the product brochure and terms and benefits of the Policy/policy documents for exact benefit coverage, terms and conditions, risk disclosures, product risks and exclusions. The above information does not represent a contract between YF Life and anyone else.
The above information is intended to be distributed in Hong Kong/Macau only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance product of YF Life outside Hong Kong / Macau. If you are not currently in Hong Kong / Macau, YF Life will not be able to provide you with related products and offers.
You and other interested parties should seek independent financial, tax and legal advice. Although care is taken in preparing the above information, YF Life disclaims any express or implied warranty as to the accuracy of the content and any liability with respect to it. In the event of any conflict or inconsistency between the contents of the above information and the relevant policy contracts, the relevant policy contract shall prevail.
