Prestige Living Protection Plan
Product features and advantages:
- Specially designed for persons aged 12 (age next birthday) or above, with maximum entry age up to 76 years old (age next birthday)
- Opportunity for faster wealth appreciation to achieve your savings goal sooner:
- an First Year Bonus* and annual dividends# will be credited to your investment account order to give you more capital to maximize the potential returns
- upon maturity, the entire proceeds of your investment account can be withdrawn
- Comprehensive lifelong protection giving you a better peace of mind:
- provide whole life protection and critical illness coverage of up to 100 years old (age next birthday)
- 3 benefit options allowing you to allocate the life and critical illness protection according to your needs
- you may also apply for optional protection including critical illness protection, accidental death and permanent disability benefit, accident insurance, etc for more comprehensive coverage
- Flexible financial arrangement:
- flexible adjustment of the sum insured and premium payments
- you can choose the Inflation Beater to reduce the impact of inflation on your savings and / or protection benefits.
- a host of choice of currencies to lessen exchange rate risks (HKD, USD, AUD, GBP and EURO)
- you may also enjoy a premium discount with additional lump sum injection
- early cash withdrawal by low-interest policy loan allows maximum financial flexibility
* First Year Bonus is determined by multiplying the first 12 months of your regular premium for basic plan (not including the lump sum premium, rider premium and the temp-health loading) by your entitled First Year Bonus percentage. That amount will be credited to your investment account after the end of the 16th policy month and forms part of your Investment Account Value. If there is any reduction in the regular premium for basic plan during the Initial Charge Period, the value of First Year Bonus will be adjusted and deducted from the issued amount of First Year Bonus correspondingly.
# Dividends will represent the distributable investment earnings arising from that proportion of the Company's life fund attributable to the Investment Account and will be determined by the Company upon the advice of the Actuary. Dividends are guaranteed not to be affected by any profits or losses of 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.
