Deluxe Link

Since life expectancy is getting longer and longer, do you have any comprehensive wealth management solution for you and your beloved to prepare for a comfortable and splendid future? Deluxe Link is an all-in-one wealth management solution aiming at investment and protection. The plan not only helps you increase the upside potential of your wealth through global investment opportunities and reduce investment risk through diversification, but also assists you in mastering your financial goals ahead in life.

Product features and competitive advantages:

  • With 4 protection options, 10 optional supplementary benefits and a wide range of mirror funds, you may flexibly select your own protection and investment combinations
  • Critical illness benefit coverage is up to the age of 100 which can fully cater for your long-term protection need (subject to additional charges)
  • A long-term bonus is offered from the 5th policy anniversary, and every 5 years thereafter until the 25th policy anniversary
  • Extra amount will be allocated from the 11th policy anniversary and onwards and escalated every 5 years thereafter from 1% until 31st policy anniversary of the 5% of the basic regular contribution
  • Minimum basic regular contribution as low as US$38 per month for Option A, B and C (approximately HK$296.4) and is paid whole of life
  • Unlimited free mirror fund switching to flexibly capture investment potential
  • Contribution holiday allows you more flexibility in personal financial management*
  • Escalating benefits to increase the sum insured and the supplementary benefits automatically every year without any supporting evidence of good health^
  • Enjoy discount on the contribution deposit at least 3 years in advance and the benefit of dollar cost averaging in lump sum payment mode through making future contribution deposit at any time#

* You may request a contribution holiday if your policy has been in force for a period exceeding 2 policy years while the waiver of contribution benefit is not payable. Charges continue to apply during the contribution holiday.

^ The current escalating rate is 10% of the sum insured per annum, and subject to the individual maximum sum insured amounts acceptable.

# Contribution payment method must be in annual mode. The amount required is the present value of the future annual contribution calculated by discounting it at a prevailing interest as determined by the company.

To know more about the above plans, please contact our professional insurance consultants or call our Customer Services Hotline at (852) 2535 3500.

The mirror funds are set up by Zurich Life Insurance Company Limited and Zurich Assurance Ltd respectively to invest in the underlying funds which are managed by external investment managers. You shall not have any right or ownership over the underlying investment. The returns of the mirror funds are calculated with reference to the fluctuation of performance of the underlying funds which are authorized by Securities and Futures Commission.

Investment involves risk. For details including fees and charges, please refer to the principal brochure of Deluxe Link, which consists of the product brochure and investment details.