Enjoy potential high returns Simply pay 3 or 5 years of premiums and your wealth will grow through a guaranteed cash value, non-guaranteed reversionary bonus and terminal bonus
Change policy currency flexibly Take out your plan in USD, HKD, RMB, AUD, CAD or GBP, and switch flexibly using the Currency Change Option to best suit your future plans (please refer to the Currency Change Option leaflet below for details)
Retain control of your gains Lock in your Terminal Bonus to protect it from market uncertainty, or unlock it to capture growth potential. You can also withdraw the lock-in amount anytime you need it
Create an income for your loved ones Use our FlexIncome Option to set up annual or monthly income payments of fixed or increasing amounts to create an income stream for you or your family
Distribute your wealth flexibly Use our Wealth-Split Option to create tailored legacy plans for each split policy, along with different currencies and/or income payments
Pass on a lasting legacy seamlessly Change who the plan covers (the “life assured”) as you wish, or appoint family members to take over the policy and/or become the new life assured in case the worst happens, ensuring your policy continues through generations
Safeguard your family through life <New-to-market> Use our Death Benefit Settlement Option – FlexLegacy to make lump sum payments in designated death benefit percentages to your beneficiary at chosen life events, supporting them even in your absence (please refer to the Death Benefit Settlement Option leaflet below for details)
Set up a contingency plan through the Incapacity Option Appoint your family member to (i) receive a lump sum for immediate financial relief or (ii) take over the policy to help manage or pass on your wealth, if you become mentally or physically incapacitated through the covered diseases
