You can achieve better wealth creation and enjoy a brighter future

A universal life insurance plan combining high flexibility and value growth is the best solution for your life protection and wealth management.

Flexible Protections
Life Protection Options
Value-creating Advantages
Financial Flexibilities
Extra Protections for Total Peace of Mind
  • Simply adjust the original policy to increase the Sum Insured without applying for a new policy 
  • Policy Enhancement Option
  • Guaranteed Insurability Option
  • Level Benefit – with more savings
  • Increasing Benefit / Increasing Benefit Plus – both with more protection
  • Incremental Benefit – balancing savings and protection
  • Base crediting interest will be credited to the Account Value at a compound rate
  • Retrospective additional interest will be credited to the Account Value at the end of the 20th policy year and for every 5 years thereafter
  • Extra bonus will be credited to the policy at the end of the 15th policy year and for every 5 years thereafter
  • Flexible increase in Premium
  • Automatic periodic withdrawal option or withdraw a portion of the Cash Value at any time
  • Skip premium payments
  • Should the policyowner be made redundant, a “Special Grace Period” is provided for up to 365 days
  • Terminal Illness Benefit
  • Optional Supplementary Benefits
Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Age 0 - 75
(For Increasing Benefit Plus, Issue Age is 0-55)

Benefit Term
Benefit Term

To Age 100

Premium Payment Term
Premium Payment Term

To Age 100

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Frequently Asked Questions
Life insurance will provide financial protection for the loved ones in the unfortunate event of the insured’s death. It helps alleviate the financial burden caused by the insured person's passing, providing funds to cover such expenses as outstanding home mortgage, children's education, and support for parents, among others.

Universal life insurance offers protection, savings, and financial flexibilities in one policy. It allows for flexible adjustment of the sum insured and cash withdrawals from the policy, while fully catering to individual protection and financial needs. When increasing the sum insured in the future, the premium rate will be based on the insured person's age when the policy was first issued.

Before taking out a life insurance, the policyholder should first consider the purpose of the insurance, evaluate their personal protection needs and financial situation, and thus select a product with the sum insured, and premium that suits their needs.

For more information on historical crediting interest rates, please click here.

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