This insurance product offers flexibility to help you meet your needs. Depending on your priorities, you can tailor their savings or financial protection accordingly. The following options are available:

• Saving priority: You can select Level Death Benefit. The benefit you will receive under this option is the higher of current Sum Assured and Target Account Value, plus Top-up Account Value calculated at time of insurance event occurring.

• Protection priority: You can select Increasing Death Benefit. The benefit you will receive under this option is the total value of Sum Assured and Target Account Value plus Top-up Account Value at time of insurance event occurring.

In addition, you have the flexibility to change the insurance value to meet their individual financial needs at each stage of their life by converting option of benefits, or enhancing coverage by adding riders as defined in the product terms & conditions.

• Marriage and childbirth are important milestones in life. These events open new doors, but also create more responsibility for those caring for their loved ones.

• You will be entitled to increase the current Sum Assured up to 25% when you get married or new-born child or child adopting, without needing to provide new evidence of health or financial information.

• This product feature allows you to easily optimize their insurance policy in order to secure financial protection for your loved ones.

Only applies for standard policies, maximum application twice during the policy term. Events must occur from the second year of the contract and prior to 65 years old.

• If the Life Assured suffers from Accidental disabilities before 65 (sixty-five) years old, insurance shall pay up to extra 100% of current Sum Assured.

• If the Life Assured dies due to Accident before 65 (sixty-five) years old, insurance shall pay up to extra 200% of current Sum Assured in addition of Death benefit, subject to the cause of death due to accident.

You have the flexibility to withdraw cash from your Top-up Account Value at anytime; or Target Account Value to deal with urgent financial matters after the contract has been in force for 2 years. 

In the event that the customer fully pays the basic premium of the first 4 policy years and has never made a withdrawal from the Target Account Value, the insurance policy will still be valid even if the Target Account Value is not sufficient to pay the monthly deduction amount.