Product Features

2-year Premium Payment Term

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• Premium payment term of 2 years only
• Option for the lump sum prepayment, i.e., to prepay the premium for the 2^nd year along with the 1^st year premium at the time of application, and earn a guaranteed interest rate of 12% p.a.¹ for the prepaid premium for the 1^st 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 The prepaid premiums will be stored in the PDA and the balance of the PDA (if any) can only be withdrawn in full.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.

Guaranteed Returns

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• When the Policy matures on the 5^th 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.

Worry-free Protection

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• 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.