What is WealthInvest Insurance Plan?
This investment-linked insurance plan is specially designed to enable you to invest for your future through regular contributions.
Features
- Benefit from dollar cost averaging~ through regular contributions
- Premiums paid will be allocated to your selected investment choices once policy is in effect without any frontend charge*
- Broad range of investment choices to tailor your investment portfolio
- Flexibility to adjust your investment portfolio#, currently free of charge¤, to suit your changing needs
- Enjoy Startup Bonus in the first policy year
- Special Bonus^ and Loyalty Bonus+ payable to enhance the potential returns during the policy term
- Apart from death benefit**, terminal illness protection also provides advanced death benefit if you are diagnosed with a terminal illness before the Policy Anniversary at which you are age 65 based on age next birthday and such terminal illness is likely to result in death within one year.
- Persons aged 651 (5-year Premium Payment Period option)/ 601 (10-year Premium Payment Period option) or below are eligible to apply
- This plan is a medium to long-term investment. Terminating or withdrawing from the plan in the first 9 years may result in a significant loss
Notes:
~ By paying a fixed premium regularly over a period of time, more units are allocated when unit prices are lower and fewer units are allocated when unit prices are higher. However, this technique does not guarantee a profit or protect you from suffering a loss in a declining market.
* Policy charges are deducted monthly starting 1 month after the policy date.
# The minimum switching limit is US$50 per investment choice.
¤ Charges will be reviewed periodically.
^ Special Bonus is payable at 5th & 10th policy anniversaries (for 5-year Premium Payment Period option) /10th policy anniversary (for 10-year Premium Payment Period option), subject to relevant terms and conditions. Reducing premium, taking a premium holiday or withdrawing may affect bonus entitlement.
+ Loyalty Bonus is payable at each anniversary from 11th policy anniversary.
** Death benefit equivalent to US$1,250 plus the greater of the Cash Value of your policy account and the total premiums paid less total withdrawals, less applicable policy charges. If the total premiums paid less total withdrawals exceeds the Cash Value of your policy account by US$500,000, the death benefit is subject to a maximum of US$501,250 plus Cash Value of your policy account less applicable policy charges per life insured.
What else should I know?
Next steps...
Need Help?
- Call (852) 2233 3131
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Reference Information
HealthNet
Get up-to-date news and information, so that you can better manage your health.
Investment performance
Unit price and performance of investment choices for investment-linked policies.
Important Notice
Update of Investment Choices Risk Rating (Investment Linked Insurance Plans)
To keep you updated on the recent risk rating changes of investment choices under the investment linked insurance plans. Click here for details.
Potential Tax Obligation from Investing in Overseas Products
Investors are reminded to seek tax advice and learn about the potential tax obligations, such as estate duty and dividend withholding tax, that might arise from investing in overseas products.
Notes:
- All ages mentioned refer to the age of the insured at the next birthday.
- Investment involves risks. Each Investment Choice has its own inherent risks and is subject to market value fluctuations. The unit price or the income (if any) from each Investment Choice may go down as well as up. Past performance is no guide to future performance of the investment choices.
- The above information is intended as a general summary. Please refer to the Principal Brochure and policy for further details.
- WealthInvest Insurance Plan is underwritten by the Company. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by the Company.
