Life Insurance

SAVINGS
The road that takes you to financial comfort passes through years of hard work, so a well-crafted wealth management solution is absolutely essential. "Wealth Achiever" Universal Life Plan II offers considerable annual interest return on your savings along with flexibility. Application process is simple and doesn't require medical examination. It allows you to accumulate wealth effortlessly.

Wealth Achiever Universal Life Savings Insurance
Period

WHOLE LIFE

Issue age

AGED 15 DAYS - 75 YEARS

You can buy this from

YOUR FINANCIAL CONSULTANT

Substantial return: Appreciable annual interest return
"Wealth Achiever" Universal Life Plan II offers considerable annual interest return on your savings1, allowing you to achieve your financial goals with ease.
Flexibility: Flexible cash withdrawal
The "Wealth Achiever" Universal Life Plan II is a lump-sum single-premium saving solution that eliminates the hassle of arranging future regular premium payments. The plan also provides a transparent view of all fees and charges for easy management. You can withdraw cash2 from your policy to meet various financial needs as you progress through life. Such withdrawals are free from any fee, providing the amount is lower than the free-of-charge withdrawal limit. This provides greater flexibility when making your financial arrangements.
Extra protection

The "Wealth Achiever" Universal Life Plan II is a savings protection plan, it helps mitigate financial risk while providing extra life insurance protection.

Death benefit3,5 :
In the unfortunate event of death of the insured, the plan willpay the higher of

  1. 105% of account value or 100% of account value plus USD150,000, whichever is lower; or
  2. the premium paid less total withdrawals.
This ensures your protection will not be less than your total contribution.

Advanced Death Benefit:

If the insured has been diagnosed and certified as having no more than twelve months left to live, 100% of the death benefit will be advanced4.

Free worldwide emergency assistance services: The plan provides 24-hour worldwide emergency assistance, regardless of where you may be at the time. Whether in Hong Kong, mainland China or traveling through or to other countries, you will get immediate support if you find yourself in an emergency situation.

Simple Application Process
Application process is simple and doesn't require medical examination. It allows you to accumulate wealth effortlessly.
Remarks
  1. We will announce the crediting interest rate and credit the interest to your policy account at the end of each policy year. However, there are situations such as market crash, suspension of dealings on a major stock exchange and so on which prevent our proper determination of the crediting interest rate. We may then suspend the announcement of the crediting interest rate for up to 6 months.
  2. The company may defer payment of cash withdrawal or policy surrender for up to 6 months from the date of your requests. We will not be liable for any loss incurred as a result of such deferral.
  3. If the policy is terminated before the announcement of the crediting interest rate of that policy year, we have the right to determine an applicable interim interest rate for the calculation of the death benefit or surrender value.
  4. The Advanced Death Benefit is payable only when the insured provides proof from medical practitioners that the insured has no more than twelve months left to live from the date of such diagnosis and certification. For details, please refer to the policy provisions.
  5. If the insured has more than one "Wealth Achiever" Universal Life Plan II, death benefit will be the higher of i) 105% of the total account value of all "Wealth Achiever" policies or 100% of the total account value of all "Wealth Achiever" policies plus USD150,000, whichever is lower; or ii) The total premium paid for all "Wealth Achiever" policies less total withdrawals from all these policies

The above product summary is for reference only. Please refer to the policy provision for the terms and conditions.

If you are interested in this product, please contact your insurance consultant.

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"Wealth Achiever" Universal Life Plan II Brochure

PDF Format

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