TAIPING 5-YEAR PREMIER SAVING RIDER

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "TAIPING 5-YEAR PREMIER SAVING RIDER"

Transcription

1 TAIPING 5-YEAR PREMIER SAVING RIDER TAIPING 5-YEAR PREMIER SAVING RIDER combines the dual benefits of life protection and saving. By paying the premium for just 2 years, you can enjoy the result of your fruitful savings and enjoy 5 years of life protection. In this brochure, TPLHK is the same as China Taiping Life Insurance (Hong Kong) Company Limited. CHINA TAIPING LIFE INSURANCE(HONG KONG)COMPANY LIMITED

2 COMPANY PROFILE China Taiping Insurance Group Ltd. ( China Taiping ) is a Chinese stated-owned financial and insurance group whose management headquarters is located in Hong Kong. China Taiping Life Insurance (Hong Kong) Company Limited (abbreviated as TPLHK ) is a wholly-owned life insurance subsidiary of China Taiping Insurance Holdings Company Limited under the China Taiping, which is responsible for life insurance business in Hong Kong. The founding of TPLHK is to enhance China Taiping s One-Stop Comprehensive Insurance Services Platform to achieve One Customer, One Taiping integrated servicing strategic target, also it is pursuit of excellence to become the most characteristic and successful life insurance company outside mainland China. TPLHK establishes a strong foothold in Hong Kong and servicing Hong Kong with the management philosophy Build with integrity; Prosper with profitability; Manage with profession; Strengthen with unities to provide high-quality professional service to our customers through the China Taiping s excellent resources. Need more details? Get in touch with us Please contact your consultant or call our Customer Service Hotline at (852) Or visit our website at for more details China Taiping Life Insurance (Hong Kong) Company Limited is wholly owned by China Taiping Insurance Holdings Company Limited. China Taiping Insurance Holdings Company Limited is listed in Hong Kong Exchange (Stock Code: 00966).

3 TAIPING 5-YEAR PREMIER SAVING RIDER TAIPING 5-YEAR PREMIER SAVING RIDER (The Supplementary Contract) combines the dual benefits of life protection and saving. By paying the premium for just 2 years, you can enjoy the result of your fruitful savings and enjoy 5 years of life protection. Contribution Period of 2 Years to Enjoy 5-year Life Protection You can enjoy 5-year comprehensive life protection during the term of the Supplementary Contract by paying premiums for just 2 years. Attractive Guaranteed Returns to Accumulate Wealth The Supplementary Contract provides maturity benefit with an attractive guaranteed rate of return, enabling you to fulfill different dreams upon maturity at the end of the fifth policy year. Flexible Choices to Fit Your Needs Based on your financial status and needs, you may select from 2 different premium payment methods, including "Annual" or "Annual and Prepaid 2nd Year Premium". Prepayment of 2nd Year Premium will enjoy a guaranteed first year interest rate of 4.5%, enabling you to achieve your goals more easily. Assured Peace of Mind The Supplementary Contract offers comprehensive life protection to help you and your family to cope with unexpected expenses. In the unfortunate event that the Insured passes away, the Beneficiary will receive a Death Benefit consisting of 105% of the Total Premium Paid or Account Value, whichever is higher. Simple and Easy Application Subject to our prevailing rules and regulations, only simplified underwriting is performed for a new application with the Accumulated Amount Applied (including Sum Assured, Face Amount, Benefit and Maturity Benefit) for Premier Saving Series / Wealth Growth Series / EliteJoy Series for less than or equal to US$5,000,000, and no medical examination is required. Enrolment Terms Issue Age# From 15 days after birth to 70 or 75 years old Policy Currency USD Premium Payment 2 Years Period Premium Payment "Annual" or "Annual Method and Prepaid 2nd Year Premium" Benefit Term 5 Years Minimum Maturity US$ 50,000 Benefit Maximum Total 5 times of basic Premium plan total premium Guaranteed May change Annual Return according to the choice of Premium Payment Method and Maturity Benefit # Depending on the Payment Term of the Basic Plan.

4 The following example and all figures below are hypothetical and for illustrative purposes only. All figures are subject to change at TPLHK s sole discretion without prior notice. Case: Pre-Retiree Customer Profile : Mr. Ho / Aged 40 / Financial Manager Financial Status : Besides monthly salary, self-occupied property and emergency cash, Mr. Ho also has a time deposit of HK$5 million for his retirement and has no planning to make any withdrawals before that. Financial Goals : Plan to pre-retire at 45, accumulate a retirement fund of HK$3 million and travel around the world with his wife. To accumulate an extra retirement fund of HK$1.68 million at age 60. After going through the Affordability and Suitability Assessment under Financial Needs Analysis, the selected Plan is: Plan Name: Basic Plan TAIPING WEALTH GROWTH SAVINGS PROTECTION PLAN and TAIPING 5-YEAR PREMIER SAVING RIDER (1) Basic Plan TAIPING WEALTH GROWTH SAVINGS PROTECTION PLAN Premium Payment Period and Method: 5 Years, Annual Premium Total Cash Value: US$175,045 Annual Premium: US$16, Benefits of Basic Plan to Mr. Ho 1. At age 60, Mr. Ho will receive an extra retirement fund US$215,588^ (around HK$1.68 million) if he chooses to surrender the Policy and withdraw the total cash value. 2. If he chooses to surrender the Policy and withdraw the total cash value at age 75, the projected total cash value of Policy continues to grow amounting to US$546,739* (around HK$4.26 million). At age 40, Mr. Ho purchases Taiping Wealth Growth Protection Plan with annual premium of US$16, The premium period is 5 years. The projected total cash# of his Policy is US$215,588^ when he is age 60. Approximately equivalent to 2.6 times of total premiums paid. At this stage, he may choose to surrender the Policy and withdraw the total cash value for earlier retirement. The projected total cash value of the Policy continues to grow amounting to US$546,739* if Mr. Ho chooses to surrender the Policy and withdraw the total cash value at age 75. Approximately equivalent to 6.7 times of total premiums paid. Age 40 Age 60 Age 75 ^It is a hypothetical figure in the ideal condition, and not guaranteed. It will be US$92,547 in the worst case. * It is a hypothetical figure in the ideal condition, and not guaranteed. It will be US$121,717 in the worst case. # The total cash value illustrated in this case is hypothetical and not guaranteed. Total Cash Value means the sum of guaranteed cash value plus non-guaranteed cash values of Reversionary Bonus (if any) and Special Bonus (if any). The figures in this case are calculated based on current surrender values and bonus scales. The actual Reversionary Bonus and Special Bonus payable throughout the duration of the Policy can be more or less than the listed value as illustrated. This case also assumes that no cash withdrawal or policy loans are taken throughout the term of the Policy and that all premiums are paid in full when due. The Insured must surrender the Policy at the relevant Policy Anniversary in order to get this amount of money. The Policy will be terminated when all total cash value had been withdrawn.

5 (2) TAIPING 5-YEAR PREMIER SAVING RIDER Premium Payment Period and Method: 2 Years, Annual and Prepaid 2nd Year Premium Maturity Benefit: US$400,000 Annual Premium: US$167,928 Benefits of rider to Mr. Ho 1. At the age of 45 (The Supplementary Contract Maturity), Mr. Ho will receive a guaranteed maturity benefit of US$400,000 (around HK$3 million as his retirement fund), that means he would have enough funds to fulfill his dream (travel around the world with his wife upon early retirement). 2. Mr. Ho can also choose Annual and Prepaid 2nd Year Premium as premium payment method and earn a Prepayment interest of US$7, # (around HK$58,900) as extra benefit. When Mr. Ho pre-retires at 45 (The Supplementary Contract Maturity) US$400,000 (Guaranteed Annual Return 4.01%*) Prepayment interest earned at the end of first policy year US$7, # Mr. Ho s Age Annual and Prepaid 2nd Year Premium Total Premium US$335,856 # The calculation includes the prepayment interest earned at the end of the first policy year and assumes such interest to be withdrawn at the end of the first policy year. Such interest rate is 4.5% * The above return rate is for reference only and are rounded to the nearest two decimal places. Guaranteed Annual Return may change according to the choice of Premium Payment Method and Maturity Benefit

6 Important Information This brochure is for reference only. Please refer to the policy contract for the definitions of capitalized terms, and the exact and complete terms and conditions of cover. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary. Key Product Risks Taiping 5-year Premier Saving Rider is issued and underwritten by China Taiping Life Insurance (Hong Kong) Company Limited ( TPLHK ). Please note the following Key Product Risks. 1. Exchange Rate Risk The application of this insurance product with the Policy Currency denominated in a foreign currency is subject to that foreign currency s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies control (for example, exchange restrictions). If your home currency is different from the Policy Currency, please note that any exchange rate fluctuation between your home currency and the Policy Currency of this insurance product will have a direct impact on the amount of premium required and the value of the benefit(s) to be received. For instance, if the Policy Currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on your benefits to be received from the product and your burden of the premium payment. You may browse our official website ( tplhk.cntaiping.com/) to find out the latest prevailing exchange rate for reference. 2. Early Surrender Risk This Supplementary Contract Plan is designed to be held until the Maturity Date. If you terminate the Supplementary Contract prior to the Maturity Date, a loss of the premium paid may be resulted. While the Supplementary Contract is in force, you may terminate this Supplementary Contract by sending a written termination request. If the Supplementary Contract is terminated or surrendered before the Maturity Date of the Supplementary Contract, the Surrender Value received by you may be less than the Total Premiums Paid. For details of early surrender value, please refer to the section of Standard Illustration of Benefits and Returns of the proposal.

7 3. Termination Conditions The Supplementary Contract will terminate automatically on the occurrence of the earliest of the following: a) the death of the Insured; or b) the Supplementary Contract is surrendered in accordance with its terms; or c) the amount of the outstanding Policy Loan (together with accrued interest) of the Supplementary Contract exceeds the Account Value; or d) non-payment of premium of the Supplementary Contract at the end of the grace period; or e) upon written request for cancellation within the cooling-off period of the Supplementary Contract; or f) on termination of the Basic Plan. Termination of your Supplementary Contract will not affect any claim or benefit arising prior to such termination unless otherwise stated. 4. Credit Risk of Issuer The Supplementary Contract is issued and underwritten by TPLHK. Your Policy is subject to the credit risk of TPLHK. In the worst case, you may lose all the premium paid and benefit amount. 5. Inflation Risk If the annual inflation rate over the next five years is higher than the annual guaranteed return, the purchasing power of the maturity benefit will be offset by inflation. 6. Key Exclusion No Death Benefit shall be paid if the Insured commits suicide, whether sane or insane, within one (1) year after whichever is the later of (i) the Issue Date or (ii) the Effective Date as indicated in the relevant Endorsement or Supplementary Contract, the Company s liability under this Supplementary Contract will be limited to a refund of the Supplementary Contract Premiums paid, without interest and after deducting any indebtedness to the Company under this Supplementary Contract. 7. Further Assessment If the Accumulated Amount Applied (including Sum Assured / Face Amount / Benefit / Maturity Benefit) for Premier Saving Series / Wealth Growth Series / EliteJoy Series exceeds USD 5,000,000 and proposed insured is of the age of 65 or above, full health declaration is required for full underwriting. If the Accumulated Amount Applied exceeded USD 10,000,000, full health declaration is required for full underwriting, for the purpose of individual consideration. Full underwriting may result in extra premium loading. In such event, the total premium payable will not be equal to the total premium stated in this illustration. As such, the Guaranteed Annual Return will be reduced accordingly and different from this illustration.

8 Remarks of Taiping 5-year Premier Saving Rider 1. The Supplementary Contract can be attached to Taiping Wealth Growth Saving Protection Plan (Payment Term: 5 Years or 10 Years). 2. The Maturity Benefit in this product brochure does not represent the amount of Death Benefit payable in case of the death of the life assured. It serves only as an amount for the calculation of premium and relevant values of the Supplementary Contract. 3. Interest will be charged on Policy Loans from the dates when the loans are incurred until they are fully repaid. Interest is calculated at an interest rate as solely determined by TPLHK from time to time, you may browse our official website at to consult the prevailing loan interest rate for reference. If the total outstanding amount (including interest) owing to us under the Supplementary Contract exceeds the account value, TPLHK will terminate the Supplementary Contract immediately. 4. The issue age is based on age of last birthday. Cancellation Right A customer who has purchased the life insurance plans has a right to cancel the policy within the cooling-off period and obtain a refund of any premium(s) paid less any withdrawals. Provided that no claim has been made, the customer may cancel the policy by giving written notice to TPLHK within 21 days after: (1) the delivery of the policy or (2) notification (informing the availability of the policy and expiry date of the cooling-off period) to the customer/his/her representative, whichever is earlier. The premium will be refunded in the currency of premium payment at the time of application for this policy. If the currency of premium payment is not the same as the plan currency, the refundable premium amount in plan currency under this policy will be converted to the currency of premium payment at the prevailing currency exchange rate as determined by TPLHK in our absolute discretion from time to time upon payment. After the cooling-off period expires, if a customer cancels the policy before the end of benefit term, the actual cash value may be substantially less than the total amount of premiums paid.

Basic Plus II. Both Flexible Savings and Life Protection under One Single Policy

Basic Plus II. Both Flexible Savings and Life Protection under One Single Policy Basic Plus II Both Flexible Savings and Life Protection under One Single Policy Basic Plus II ( the product ) gives you the opportunity to earn interest returns while acquiring comprehensive life protection,

More information

Retirement Insurance. PRUmyretirement RMB annuity income plan

Retirement Insurance. PRUmyretirement RMB annuity income plan Retirement Insurance PRUmyretirement RMB annuity income plan Important notes This product is a life insurance plan and is not a bank deposit. It is underwritten by Prudential Hong Kong Limited (A member

More information

EarlyIncome Annuity Plan

EarlyIncome Annuity Plan EarlyIncome Annuity Plan HSBC Life (International) Limited HSBC Life (International) Limited ( the Company ) is incorporated in Bermuda with limited liability, and is one of the HSBC Group s insurance

More information

I want to build up my wealth for a promising future

I want to build up my wealth for a promising future life protection & savings I want to build up my wealth for a promising future wealth advance savings plan Table of Contents What are your dreams and life goals? 1 Realise your dreams with Wealth Advance

More information

Disclosure of Important Information to Life Insurance Customers

Disclosure of Important Information to Life Insurance Customers (Applicable to Bank of Communications Co., Ltd. Hong Kong Branch) (The Disclosures are written in Chinese and English. In case of discrepancy, the English version shall prevail.) Disclosure of Important

More information

PRUlife saver. Build savings and protect loved ones with one insurance plan. Life & Savings Insurance

PRUlife saver. Build savings and protect loved ones with one insurance plan. Life & Savings Insurance PRUlife saver Build savings and protect loved ones with one insurance plan Life & Savings Insurance PRUlife saver Savings and protection are essential elements of financial success. PRUlife saver is for

More information

Goal Access Universal Life Plan (Protection)

Goal Access Universal Life Plan (Protection) Goal Access Universal Life Plan (Protection) HSBC Life (International) Limited HSBC Life (International) Limited ( the Company ) is incorporated in Bermuda with limited liability, and is one of the HSBC

More information

Income Goal Insurance Plan

Income Goal Insurance Plan Income Goal Insurance Plan HSBC Life (International) Limited HSBC Life (International) Limited ( the Company ) is incorporated in Bermuda with limited liability, and is one of the HSBC Group s insurance

More information

universal life wealth planner

universal life wealth planner universal life wealth planner 1 3 4 5 6 7 9 10 Your success and prestigious status can be demonstrated not only by possessing great fortune but also by wisely protecting, growing and passing on your

More information

AIA Wealth Management Survey 2015 Findings and Launch of New Bonus Power Plan to Help Customers Achieve Long-term Wealth Growth

AIA Wealth Management Survey 2015 Findings and Launch of New Bonus Power Plan to Help Customers Achieve Long-term Wealth Growth AIA Hong Kong AIA Hong Kong Tower, 734 King s Road, Quarry Bay, Hong Kong T: (852) 2881 3333 AIA.COM.HK Media Release AIA Wealth Management Survey 2015 Findings and Launch of New Bonus Power Plan to Help

More information

Registered office 6 Front Street, Hamilton HM11, Bermuda. Hong Kong SAR office 18 / F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong

Registered office 6 Front Street, Hamilton HM11, Bermuda. Hong Kong SAR office 18 / F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong HSBC Life (International) Limited HSBC Life (International) Limited ( the Company ) is incorporated in Bermuda with limited liability, and is one of the HSBC Group s insurance underwriting subsidiaries.

More information

ACE GOLDEN TOUCH SAVER PLAN II

ACE GOLDEN TOUCH SAVER PLAN II ACE GOLDEN TOUCH SAVER PLAN II AN IDEAL PLAN TO HELP YOU BUILD A GOLDEN FUTURE ACE Golden Touch Saver Plan II ( Golden Touch ) provides you a customized one-stop financial solution to enjoy wealth accumulation

More information

PRUlife juvenile saver

PRUlife juvenile saver PRUlife juvenile saver Save for and protect your children s future with one insurance plan Life & Savings Insurance PRUlife juvenile saver A firm financial foundation gives your child a headstart! PRUlife

More information

WEALTH MANAGEMENT PERPETUAL LIFE SERIES

WEALTH MANAGEMENT PERPETUAL LIFE SERIES WEALTH MANAGEMENT PERPETUAL LIFE SERIES Maintaining your wealth means keeping it safe and secure throughout your lifetime. With the Perpetual Life Series, ACE Life offers the key to whole life protection

More information

TRENDSETTER SM ROP30 P R ODUCT BROCHURE

TRENDSETTER SM ROP30 P R ODUCT BROCHURE TRENDSETTER SM ROP30 P R ODUCT BROCHURE Part of the Group WHY TRENDSETTER SM ROP30? You always want to protect your loved ones from financial hardship in case of life s misfortunes. Instead of life-long

More information

traditional life fortune protector life insurance

traditional life fortune protector life insurance traditional life fortune protector life insurance Achieve your aspiration with ease of mind While you strive to get the best for your family, you need a protection solution that safeguards their financial

More information

PRUlink single premium investment plan

PRUlink single premium investment plan PRUlink single premium investment plan Product Brochure Table of contents What is PRUlink single premium investment plan? 3 How does the Plan work? 4 Life coverage for your loved ones 5 Bonuses 8 Financial

More information

I want lifetime return to realise my dreams

I want lifetime return to realise my dreams life protection & savings 檢 No Medical Exam I want lifetime return to realise my dreams fortune goal saver Build your financial future and realise dreams with your loved ones To realise your dreams, what

More information

WEALTH ELITE. Building your legacy

WEALTH ELITE. Building your legacy WEALTH ELITE Building your legacy WEALTH ELITE 1 AIA Group Limited is the largest independent publicly listed pan-asian life insurance group, and is the world s second largest listed life insurer by market

More information

Helping to Protect Your Family And Secure Your Future

Helping to Protect Your Family And Secure Your Future GuiFinal 6/18/07 11:47 AM Page 1 Helping to Protect Your Family And Secure Your Future Group Universal Life Insurance Developed for the Employees of County of Fresno GuiFinal 6/18/07 11:47 AM Page 2 GuiFinal

More information

RetireIncome Annuity Plan

RetireIncome Annuity Plan RetireIncome Annuity Plan HSBC Life (International) Limited HSBC Life (International) Limited ( the Company ) is incorporated in Bermuda with limited liability, and is one of the HSBC Group s insurance

More information

Terms and Conditions for Maybank Premier Wealth Total Rewards Programme ( Programme )

Terms and Conditions for Maybank Premier Wealth Total Rewards Programme ( Programme ) Terms and Conditions for Maybank Premier Wealth Total Rewards Programme ( Programme ) 1. General Terms 1.1 This Programme is only available to Premier Wealth individual account holders of Malayan Banking

More information

I don t want to postpone any of my loved ones aspirations

I don t want to postpone any of my loved ones aspirations life insurance I don t want to postpone any of my loved ones aspirations Bharti AXA Life Secure Income Plan A limited pay plan that provides you with: 8% of Sum Assured p.a paid monthly as Guaranteed Monthly

More information

MACQUARIE LIFETIME INCOME GUARANTEE POLICY

MACQUARIE LIFETIME INCOME GUARANTEE POLICY MACQUARIE LIFETIME INCOME GUARANTEE POLICY series 1: Product disclosure statement issued 8 march 2010 Important NOTICE This Product Disclosure Statement ( PDS ) is dated 8 March 2010 and together with

More information

INFORMATION TO BE PROVIDED IN SALES BROCHURE. LIC s NEW JEEVAN ANAND (UIN: 512N279V01)

INFORMATION TO BE PROVIDED IN SALES BROCHURE. LIC s NEW JEEVAN ANAND (UIN: 512N279V01) INFORMATION TO BE PROVIDED IN SALES BROCHURE LIC s NEW JEEVAN ANAND (UIN: 512N279V01) LIC's New Jeevan Anand Plan is a participating non-linked plan which offers an attractive combination of protection

More information

PRODUCT KEY FACTS STATEMENT

PRODUCT KEY FACTS STATEMENT AXA China Region Insurance Company (Bermuda) Limited PRODUCT KEY FACTS STATEMENT Pavo Investment Insurance Plan February 2015 This statement provides you with key information about this product. This statement

More information

Tata AIA Life Insurance MahaLife Gold

Tata AIA Life Insurance MahaLife Gold Tata AIA Life Insurance MahaLife Gold Tata AIA Life Insurance MahaLife Gold (A Participating Whole of Life Plan Up to Age 85) Throughout life s journey, one s goal is to create a secure future and a comfortable

More information

Protect what matters most. Provide a lifetime of financial security with AIA Platinum Gift for Life. Citi solutions. AIA expertise.

Protect what matters most. Provide a lifetime of financial security with AIA Platinum Gift for Life. Citi solutions. AIA expertise. Protect what matters most. Provide a lifetime of financial security with AIA Platinum Gift for Life. Citi solutions. AIA expertise. 01 AIA PLATINUM GIFT FOR LIFE Preserve Your Wealth for Generations to

More information

How do I fulfill the little joys in my loved ones' lives?

How do I fulfill the little joys in my loved ones' lives? life insurance How do I fulfill the little joys in my loved ones' lives? Bharti AXA Life Monthly Income Plan+ A Plan that offers guaranteed* Monthly Income with the upside of nonguaranteed bonuses. *You

More information

Both types of policies can accumulate substantial savings. The earlier you start, the more you could earn from the policy by the time you retire.

Both types of policies can accumulate substantial savings. The earlier you start, the more you could earn from the policy by the time you retire. Frequently Asked Questions on Insurance products General Enquiries 1. Why bother with insurance? Life insurance gives you and your family financial protection against the financial loss that can happen

More information

Great American Life. American Valor II. Platinum Series Flexible Fixed-Indexed Annuity B1067408NW

Great American Life. American Valor II. Platinum Series Flexible Fixed-Indexed Annuity B1067408NW Great American Life American Valor II Platinum Series Flexible Fixed- Annuity B1067408NW Building Lifestyle Security You ve worked hard for what you have. Wouldn t you like the freedom to enjoy your retirement

More information

BOOST YOUR SAVINGS! Aegon Life Premier Endowment Insurance Plan A Participating Life Insurance Plan

BOOST YOUR SAVINGS! Aegon Life Premier Endowment Insurance Plan A Participating Life Insurance Plan BOOST YOUR SAVINGS! Aegon Life Premier Endowment Insurance Plan A Participating Life Insurance Plan INTRODUCTION If you are looking for a protection plan which will give an extra boost to your savings,

More information

ATLANTIC COAST LIFE INSURANCE COMPANY

ATLANTIC COAST LIFE INSURANCE COMPANY SAFE HAVEN BONUS GUARANTEE COMPOUND INTEREST ANNUITY (Rates & Riders dependent on states. Consult your agent for more information.) ATLANTIC COAST LIFE INSURANCE COMPANY ACLANBRHAVEN-OT 021516 Explore,

More information

HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) Growing Planning

HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) Growing Planning The proposed plan is of participating insurance. The reversionary bonus and terminal bonus are not guaranteed. HSBC Hong Li Yue Yue Ying Endowment Insurance (Participating) Growing Planning RDI-159 Struggling

More information

We give you invaluable peace of mind at an affordable price. The Power of We. Essential protection for you and your loved ones AIA.COM.

We give you invaluable peace of mind at an affordable price. The Power of We. Essential protection for you and your loved ones AIA.COM. PROTECTION AIA SECURE TERM We give you invaluable peace of mind at an affordable price Essential protection for you and your loved ones The Power of We AIA.COM.SG 2 Only 38% of Singaporeans could cope

More information

Gemstone. Taking charge of your future prosperity

Gemstone. Taking charge of your future prosperity Gemstone Taking charge of your future prosperity Gemstone Taking charge of your future prosperity LET YOUR MONEY WORK FOR YOU Smart financial planning begins with proper consideration of your financial

More information

The Beneficiaries, Total Premium and Premium Payment Frequency shown are as of the Policy Summary date at the top of this page.

The Beneficiaries, Total Premium and Premium Payment Frequency shown are as of the Policy Summary date at the top of this page. Policy Summary This Policy Summary is dated When your insurance contract renews or if you make a change to your insurance contract that affects the Total Premium, we will send you a new Policy Summary.

More information

Tata AIA Life Insurance Fortune Guarantee

Tata AIA Life Insurance Fortune Guarantee Tata AIA Life Insurance Fortune Guarantee Tata AIA Life Insurance Fortune Guarantee A Non-linked Non-participating Endowment Insurance Plan At every stage of your life you decide and have a milestone to

More information

What is Secure Joint Life Plan?

What is Secure Joint Life Plan? Jubilee Life s Secure Joint Life Plan gives you and your family total financial security and peace of mind while providing life insurance coverage to two lives simultaneously. It provides you a solution

More information

How do I safeguard my loved ones while ensuring steady earnings for a lifetime?

How do I safeguard my loved ones while ensuring steady earnings for a lifetime? life insurance How do I safeguard my loved ones while ensuring steady earnings for a lifetime? Bharti AXA Life Aajeevan Anand A plan that offers a dual advantage of guaranteed regular payouts and Protection

More information

Leave more than just your name behind. Today s investment. Tomorrow s legacy.

Leave more than just your name behind. Today s investment. Tomorrow s legacy. Leave more than just your name behind Today s investment. Tomorrow s legacy. Features that meet your needs Intelligent investment made simple PruLife Vantage is a unique whole-of-life coverage plan that

More information

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company Subject to the provisions of this Certificate and receipt of due proof of the Insured s

More information

Financial Foundation IUL SM

Financial Foundation IUL SM TRANSAMERICA Financial Foundation IUL SM TRANSAMERICA PREMIER LIFE INSURANCE COMPANY FL06111-02/15 A SOLID FOUNDATION IS ESSENTIAL TO STANDING THE TEST OF TIME. THE SAME SHOULD BE TRUE OF ANY FINANCIAL

More information

HSBC Hong Li Nian Nian Ying Annuity Insurance (Participating) Retirement

HSBC Hong Li Nian Nian Ying Annuity Insurance (Participating) Retirement The proposed plan is of participating insurance. The reversionary bonus and terminal bonus are not guaranteed HSBC Hong Li Nian Nian Ying Annuity Insurance (Participating) Retirement RIA-157 Retirement

More information

ANZ Credit Card Frequently Asked Questions

ANZ Credit Card Frequently Asked Questions ANZ Credit Card Frequently Asked Questions January 2013 CARD FEATURES What are the main features of the new ANZ Credit Card? features including, up to 45 days interest free, acceptance at over 30 million

More information

Universal Life Insurance

Universal Life Insurance Universal Life Insurance Wealth Protection, Accumulation and Transfer International Insurance for Individuals Prepare For Your Future Today! Introducing Sagicor s International Universal Life Insurance

More information

Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control!

Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control! Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control! Consumer Brochure A Flexible Premium Life Insurance Policy with Equity Index Options Policy Form 01-1143-07 and state

More information

Max Life - Life Gain Plus 20 (Participating Plan) UIN: 104N014V01

Max Life - Life Gain Plus 20 (Participating Plan) UIN: 104N014V01 Max Life Life Gain Plus 20 is a limited pay endowment plan to meet your financial goals to ensure you complete peace of mind. Plan Details Entry Age Maximum Maturity Age Premium Payment Term Regular Premium

More information

Be prepared for the opportunities retirement may offer.

Be prepared for the opportunities retirement may offer. LIFETIME INCOME BENEFIT RIDER NATIONWIDE HIGH POINT 365 Be prepared for the opportunities retirement may offer. Nationwide High Point 365 Lifetime Income Benefit rider A rider for the Nationwide New Heights

More information

Minimum Entry Age Maximum Entry Age. The minimum and maximum sum assured are $50,000 and $200,000* respectively.

Minimum Entry Age Maximum Entry Age. The minimum and maximum sum assured are $50,000 and $200,000* respectively. PRODUCT SUMMARY DIRECT Whole Life (DWRA) 1. Policy Description DIRECT Whole Life is a participating, regular premium whole life insurance plan that provides financial protection against Death, Total &

More information

Synergy Global Advantage Gold. Fixed Indexed Universal Life Insurance Consumer Brochure. Distributed by:

Synergy Global Advantage Gold. Fixed Indexed Universal Life Insurance Consumer Brochure. Distributed by: Synergy Global Advantage Gold Fixed Indexed Universal Life Insurance Consumer Brochure Distributed by: ADV 1188 (12-2011) Fidelity & Guaranty Life Insurance Company Rev. 09-2014 14-680 Synergy Global Advantage

More information

I want my savings to be within my reach to fulfill my family s desires.

I want my savings to be within my reach to fulfill my family s desires. life insurance I want my savings to be within my reach to fulfill my family s desires. Child s Marriage Holiday Retirement Child s Education Bharti AXA Life Flexi Save A Plan that offers you the choice

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Guaranteed Choice Whole Life Guaranteed Choice Whole Life for Individuals and Families PM6373 There is comfort in predictability There s a certain comfort that comes with knowing

More information

Build a better foundation for your family s future

Build a better foundation for your family s future PROTECTION / SAVINGS AIA LIFE PLUS (II) Build a better foundation for your family s future A long-term savings and protection plan. aia.com.sg 01 PROTECTION / SAVINGS AIA LIFE PLUS (II) Your lifetime companion

More information

Start small. Save big.

Start small. Save big. Start small. Save big. PRODUCT BROCHURE A long term savings plan with bonuses, guaranteed additions and insurance protection* *Terms and Conditions apply. Your life is full of responsibilities. As a responsible

More information

Important Facts Statement

Important Facts Statement Important Facts Statement Bank of China (Hong Kong) Limited Currency Linked Deposits - Option Linked Deposits Currency linked deposit 13 April 2015 This is a structured investment product which is NOT

More information

Property prices. Interest rates. MyRetirement Simple. Safe. Sure. may go up. Or down. may fluctuate.

Property prices. Interest rates. MyRetirement Simple. Safe. Sure. may go up. Or down. may fluctuate. Property prices may go up. Or down. Interest rates may fluctuate. By the time you turn 65, there is only one thing you can be sure of: your retirement income is taken care of. MyRetirement Simple. Safe.

More information

WEALTH MANAGEMENT Your wealth, your family, your enduring legacy

WEALTH MANAGEMENT Your wealth, your family, your enduring legacy WEALTH MANAGEMENT AIA Platinum Legacy Series Your wealth, your family, your enduring legacy Reward the next generation with the gift of lasting wealth AIA.COM.SG Create a legacy that is strong, stable

More information

Index Universal life insurance offered by: Western Reserve Life Assurance Co. of Ohio AG /09-WFG

Index Universal life insurance offered by: Western Reserve Life Assurance Co. of Ohio AG /09-WFG WRL Freedom Global IUL SM Index Universal life insurance offered by: Western Reserve Life Assurance Co. of Ohio AG05101-03/09-WFG Expect the Unexpected Life is full of uncertainties. In fact, about the

More information

Reliance Endowment Plan. secure your dreams today...

Reliance Endowment Plan. secure your dreams today... Reliance Endowment Plan secure your dreams today... ...give wings to them tomorrow Reliance Endowment Plan It takes a lot for a dream to become a reality. And money is surely an important part of it. Reliance

More information

Why wait to live your dreams?

Why wait to live your dreams? Future Generali Secure Income Why wait to live your dreams? A money back life insurance plan that gives you the freedom to decide when you want your returns. Future Generali Secure Income is an insurance

More information

In this policy, the investment risk in the investment portfolio is borne by the policyholder. Type of Cover Basic Standard Enhanced

In this policy, the investment risk in the investment portfolio is borne by the policyholder. Type of Cover Basic Standard Enhanced The road to your financial goals has many twists, turns and probably a few unexpected roadblocks. You need a plan that balances your savings and protection needs with ease, along with the benefit of liquidity

More information

Safeguard your family's future against life's uncertainties

Safeguard your family's future against life's uncertainties Safeguard your family's future against life's uncertainties Birla Sun Life Insurance Easy Protect Plan A traditional term insurance plan INTRODUCING BSLI Easy Protect Plan You are successful in your career

More information

China Life SaveReward (SGD) 5-Year Endowment Plan

China Life SaveReward (SGD) 5-Year Endowment Plan China Life SaveReward (SGD) 5-Year Endowment Plan 2.17% p.a. Guaranteed Yield upon Maturity A Companion For Years A Promise For Life Benefit Snapshot: Attractive Guaranteed Yield of 2.17% p.a. upon Maturity

More information

Builder IUL, Rapid Builder IUL, Guarantee Builder IUL, Survivorship GIUL

Builder IUL, Rapid Builder IUL, Guarantee Builder IUL, Survivorship GIUL Builder IUL, Rapid Builder IUL, Guarantee Builder IUL, Survivorship GIUL North American Company s Indexed Universal Life Insurance Portfolio Marketing Guide Table of Contents Overview 3 Indexed UL Markets

More information

PROTECT. We understand you want to safeguard your home and family. PRUmortgage refund premier

PROTECT. We understand you want to safeguard your home and family. PRUmortgage refund premier PROTECT We understand you want to safeguard your home and family PRUmortgage refund premier At Prudential, we understand that you want to safeguard your home and family. And whether it s one person or

More information

ING Secured Income Insurance Plus. General: The Plan: Plan Benefits: 1. Death Benefit: 2. Maturity Benefit: 3. Bonus:

ING Secured Income Insurance Plus. General: The Plan: Plan Benefits: 1. Death Benefit: 2. Maturity Benefit: 3. Bonus: General: This illustration has been prepared by ING Vysya Life Insurance Company Limited. It does not purport to be a contract of insurance and does not in any way create any rights or obligations. The

More information

We give your savings the greater rewards

We give your savings the greater rewards AIA SMARTREWARDS SAVER (II) SAVINGS / PROTECTION We give your savings the greater rewards Earn guaranteed regular coupons while saving towards your life goals. aia.com.sg AIA SMARTREWARDS SAVER (II) 2

More information

10-, 20-, 25- and 30-year guaranteed level term life insurance. Face Amounts. Certificate Fees. Modal Factors. Underwriting Classes.

10-, 20-, 25- and 30-year guaranteed level term life insurance. Face Amounts. Certificate Fees. Modal Factors. Underwriting Classes. Lifefirst Level Term Life Insurance 0-, 0-, 5- and 0-year guaranteed level term life insurance. Convertability Built-in Benefits Level (reduced by loan or Critical Illness Rider benefits paid) Prior to

More information

Birla Sun Life Insurance Dream Endowment Plan. Birla Sun Life Insurance Company Limited

Birla Sun Life Insurance Dream Endowment Plan. Birla Sun Life Insurance Company Limited Birla Sun Life Insurance Dream Endowment Plan Copyright 2008 Investment risk in the investment portfolio is borne by the policy holder. The premiums paid in Unit Linked Life Insurance policies are subject

More information

Index Universal Life At a Glance

Index Universal Life At a Glance Index Universal Life At a Glance Policies issued by American General Life and The United States Life Insurance Company in the City of New York (US Life) FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC

More information

Legacy Advantage Survivorship Universal Life SM. Producer Guide. For Producer Use Only. Not for Public Distribution.

Legacy Advantage Survivorship Universal Life SM. Producer Guide. For Producer Use Only. Not for Public Distribution. Legacy Advantage Survivorship Universal Life SM Producer Guide MetLife understands your business. We respect your entrepreneurial spirit as you help guide clients toward financial freedom. We want to be

More information

Super Life Terms and Conditions. Super Life Series

Super Life Terms and Conditions. Super Life Series Super Life Terms and Conditions Super Life Series DEFINITIONS Administrative Office means the Company s office designated as such on the first page of this Policy. Age means the Insured s age at last birthday.

More information

Producer Guide. MetLife Promise Whole Life Portfolio

Producer Guide. MetLife Promise Whole Life Portfolio MetLife Promise Whole Life Portfolio Producer Guide MetLife Promise Whole Life SM MetLife Promise Whole Life 120 SM MetLife Promise Whole Life Select 10 SM MetLife Promise Whole Life Select 20 SM MetLife

More information

Tata AIA Life Insurance Freedom

Tata AIA Life Insurance Freedom Tata AIA Life Insurance Freedom Tata AIA Life Insurance Freedom (A Non Linked Participating Endowment Plan) With the rising life expectancy which is expected to stretch to late 70 s or early 80 s, it s

More information

SINGLE-PREMIUM INSURANCE GIVES GUARANTEED INCOME FOR LIFE AND PAYOUTS ACROSS 3 GENERATIONS

SINGLE-PREMIUM INSURANCE GIVES GUARANTEED INCOME FOR LIFE AND PAYOUTS ACROSS 3 GENERATIONS Media Release Includes suggested Tweets, Facebook posts, keywords and official hashtags SINGLE-PREMIUM INSURANCE GIVES GUARANTEED INCOME FOR LIFE AND PAYOUTS ACROSS 3 GENERATIONS New whole-life insurance

More information

Forethought Life Insurance Company Income Fixed Index Annuity 150 +SM

Forethought Life Insurance Company Income Fixed Index Annuity 150 +SM Forethought Life Insurance Company Income Fixed Index Annuity 150 +SM FA7166 11-13 2013 Forethought Your morning routine can last all day. Retirement is a special time when the daily grind can finally

More information

The Insurance Handbook

The Insurance Handbook The Insurance Handbook CONTENTS 1 TYPES OF INSURANCE PLANS STAKEHOLDERS/PARTIES TO THE CONTRACT POLICY FEATURES UNIT-LINKED AND INVESTMENT SPECIFIC 2 3 POLICY BENEFITS 8 5 OTHER INSURANCE SPECIFIC 10 TYPES

More information

Bajaj Allianz Super CashGain Insurance Plan

Bajaj Allianz Super CashGain Insurance Plan Bajaj Allianz Super CashGain Insurance Plan Cash Back at regular interval to take care of all your small and big needs Bajaj Allianz Super CashGain Insurance Plan A plan that adjusts superbly to your life

More information

Variable Universal Life (VUL)

Variable Universal Life (VUL) Variable Universal Life (VUL) What is it? Permanent (cash value) life insurance with maximum flexibility Variable universal life (VUL) is considered the most flexible type of permanent (cash value) life

More information

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide AG05113-01/12 Western Reserve Life Assurance Co. of Ohio Thank you for your interest

More information

BT Lifetime Super Employer Plan

BT Lifetime Super Employer Plan BT Lifetime Super Employer Plan Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional

More information

A Consumer Guide For Annuity Products in New York

A Consumer Guide For Annuity Products in New York A Consumer Guide For Annuity Products in New York Boris Kulikov Wandanowak.com Andrew M. Cuomo, Governor Benjamin M. Lawsky, Superintendent New York State Department of Financial Services This guide provides

More information

Participating Policy Fact Sheet

Participating Policy Fact Sheet Participating Policy Fact Sheet This Fact Sheet helps you better understand the factors that may affect the Reversionary Bonus and Terminal Bonus of your Fortune Guard Life Insurance 1 and/or Fortune Protector

More information

Tata AIA Life Insurance MahaLife Supreme

Tata AIA Life Insurance MahaLife Supreme Tata AIA Life Insurance MahaLife Supreme Tata AIA Life Insurance MahaLife Supreme Endowment Assurance Plan Time never stands still and neither do our financial needs. As we move through various stages

More information

Max Life Whole Life Participating Plan UIN: 104N004V01

Max Life Whole Life Participating Plan UIN: 104N004V01 About Max Life Whole Life Participating Insurance Plan. Life is a long journey and a companion who is with you at each milestone of the way, is welcome. So as you walk down the path of life, let Max Life

More information

Versa-Flex PRO-NY. Flexible Premium Adjustable Life Insurance. Flexible and Efficient. Client Guide VFPRO-NY-1C

Versa-Flex PRO-NY. Flexible Premium Adjustable Life Insurance. Flexible and Efficient. Client Guide VFPRO-NY-1C Versa-Flex PRO-NY Flexible Premium Adjustable Life Insurance Flexible and Efficient Client Guide VFPRO-NY-1C Life insurance helps provide financial protection and income replacement in the event of the

More information

We understand you want the assurance to receive income in your retirement years

We understand you want the assurance to receive income in your retirement years SAVE We understand you want the assurance to receive income in your retirement years PRUgolden income Lifestyle Multiplier Benefit RETIREMENT Family Income Benefit & Disability Income Benefit Ease Inflation

More information

life insurance a plan that gives me money at regular intervals and secures my future in the long term too Bharti AXA Life SaveConfident

life insurance a plan that gives me money at regular intervals and secures my future in the long term too Bharti AXA Life SaveConfident life insurance a plan that gives me money at regular intervals and secures my future in the long term too Bharti AXA Life SaveConfident In life, all your financial needs don t arrive at your doorstep at

More information

Who will help secure my child s future in my absence?

Who will help secure my child s future in my absence? Life Insurance Sales Literature Who will help secure my child s future in my absence? Secure your child s future with Bharti AXA Life Child Advantage A plan that offers you the flexibility of choosing

More information

Tata AIA Life Insurance Insta Wealth Plan

Tata AIA Life Insurance Insta Wealth Plan Tata AIA Life Insurance Insta Wealth Plan Tata AIA Life Insurance Insta Wealth Plan (A Non Linked Participating Endowment Assurance Plan) In today's fast paced life, we all like to keep things simple.

More information

traditional life fortune guard life insurance

traditional life fortune guard life insurance traditional life fortune guard life insurance A shorter path to fulfill your dreams While you pursue your dreams, you need a protection solution that provides financial comfort to you and your loved family.

More information

LIC s Jeevan Tarang Table No. 178

LIC s Jeevan Tarang Table No. 178 LIC s Jeevan Tarang Table No. 178 Benefit Illustration: INTRODUCTION: This is a with-profits whole of life plan which provides for annual survival benefit at a rate of 5½ % of the Sum Assured after the

More information

Trade Logos displayed above belong to Kotak Mahindra Old Mutual Life Insurance Limited's promoting partners Kotak Mahindra Bank Limited and Old

Trade Logos displayed above belong to Kotak Mahindra Old Mutual Life Insurance Limited's promoting partners Kotak Mahindra Bank Limited and Old Trade Logos displayed above belong to Kotak Mahindra Old Mutual Life Insurance Limited's promoting partners Kotak Mahindra Bank Limited and Old Mutual Plc and are used by Kotak Mahindra Old Mutual Life

More information

SAMPLE. is equal to the Death Benefit less the Account Value of your policy.

SAMPLE. is equal to the Death Benefit less the Account Value of your policy. DEFINITIONS EquiLife Limited Pay UL (Joint first-to-die) The following are definitions of some of the terms used in your EquiLife Joint First-to-Die policy. If you need additional information or clarification

More information

Understanding Indexed Universal Life Insurance

Understanding Indexed Universal Life Insurance Understanding Indexed Universal Life Insurance Consumer Brochure Table of Contents Overview... [ 2 ] Indexed Universal Life Insurance...[ 2 ] What is Indexed Universal Life Insurance?... [ 2 ] How North

More information

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015 BT Business Super Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional Information

More information

Build a lasting legacy that can benefit three generations

Build a lasting legacy that can benefit three generations AIA Gen3 (II) PROTECTION / SAVINGS Build a lasting legacy that can benefit three generations Guaranteed annual coupons plus long term growth potential. aia.com.sg AIA Gen3 (II) 2 Financial benefits for

More information

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER Shriram Shri Plus (SP) II (UIN: 128L025V01) Shriram Life comes with a single premium unit linked plan Shriram Shri

More information

PROTECTION PROTECTION VUL. Taking the right steps in planning for the future CONSUMER GUIDE

PROTECTION PROTECTION VUL. Taking the right steps in planning for the future CONSUMER GUIDE CONSUMER GUIDE PROTECTION PROTECTION VUL Taking the right steps in planning for the future JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK IM5237CG There are

More information