Successful Life Insurance Plan

 Savings for a prosperous life

On the policy anniversary immediately following the insured’s 18^th birthday, the Plan will provide a guaranteed cash coupon equal to 8% of the current sum assured as lucky money. The Plan will also provide a guaranteed cash coupon on each policy anniversary immediately following the respective ages between 18 and 21. For example, for insured who enrolls the Plan at age 0 to 4, the guaranteed cash coupon payable each time is 14% of the current sum assured, and the total amount will be up to 56% of the current sum assured, helping to finance your children’s education. You may refer to the guaranteed cash coupon table for the guaranteed cash coupon payable to the insured of other issue ages.

You can choose to withdraw¹ the guaranteed cash coupon or leave it in the policy to earn interest² until policy maturity.

 Accumulate wealth through dividends

You will receive a non-guaranteed dividend² at every policy anniversary while the policy is in force. You can opt to leave the non-guaranteed dividends in the policy to earn interest² until policy maturity. Alternatively, you may withdraw¹ that to achieve financial goals or use that to pay future premiums.

 Automatic tripling of the sum assured

Simply pay the premium until the insured reaches age 21, the Plan will cover him/her until age 100. In addition, on the policy anniversary immediately following the insured’s 21^st birthday and after the guaranteed cash coupon is paid, the sum assured of the Plan will be automatically tripled without the need to pay additional premiums.

 Celebrating the policy maturity

On the policy anniversary immediately following the 100^th birthday of the insured, a maturity benefit which is equal to the current sum assured, plus accumulated guaranteed cash coupons and interest² (if any), accumulated non-guaranteed dividends and interest² (if any), and less all indebtedness (if any), will be provided.

 Life protection

In case the insured passes away while the policy is in force, a death benefit will be provided, which is equal to the current sum assured or the guaranteed cash value at the date of death of the insured, whichever is higher; plus accumulated guaranteed cash coupons and interest² (if any), accumulated non-guaranteed dividends and interest² (if any), and less all indebtedness (if any).

 Extra peace of mind with optional coverage

You can attach optional benefits, such as hospitalization, critical illness and accident benefits, to the Plan to supplement the coverage.