Long-term savings with potential returns Choose single, 5, 8 or 12 years premium terms in HKD or USD, and your wealth will grow through a guaranteed cash value, non-guaranteed reversionary bonus and special bonus
Access your savings to meet financial needs Access the cash value of your plan, or borrow up to 80% of the total of the guaranteed cash value and the cash value of the reversionary bonus
Pass down wealth through generations Change who the plan covers (the “life assured”) as you wish, ensuring your policy continues through generations
3 different death benefit settlement options to safeguard your family Choose how you would like us to pay the death benefit - as a lump sum, in monthly instalments or a mix of both (please refer to the Death Benefit Settlement Option leaflet below for details)
Financial protection against accidental death We'll pay an extra accidental death benefit if the life assured passes away in an accident. If the policyholder passes away in an accident, we'll pay a lump sum which helps cover future premiums
Reward your child’s academic success Earn up to HKD 20,000 for your child’s academic achievements in exams such as the HKDSE and IBDP, or for their admission to any of the world’s top 10 universities