Legacy & Life Insurance
We represent a wide variety of carriers and product lines to offer you more choice and flexibility. Our in-depth knowledge of the different options enables us to explore different angle of health conditions and protection needs by listening, understanding, and most importantly, delivering the best solution for all needs.
Life Insurance
Universal life
When you want to accumulate cash inside the policy and plan for your wealth transfer, universal life insurance can provide options to suit your changing financial situation.
Lifetime Protection
High death benefit, as long as there is sufficient policy for it to stay in force
Wealth Accumulation Potential
Cash value accumulated at current interest rates and guaranteed minimum interest rates
Transparency
Annual statements for interest credited and charges deducted
Shorter Breakeven Years
Earlier breakeven period as compared to Whole of Life products
Liquidity
Option to withdraw or take a loan from the policy when required
Flexibility in Premium Payment
Single premium vs. multi-pay
Whole life
As part of our permanent life insurance portfolio, whole life insurance provides the security of coverage throughout your lifetime, and a death benefit provided by the issuing insurance company for your heirs.
Guaranteed Lifetime Protection
Whole life coverage with no age limit
Wealth Accumulation Potential
With guaranteed cash value from Day 1 + non-guaranteed bonuses for the upside potential
Guaranteed Breakeven Point
No lapse guarantee by product nature
Selection of Guaranteed Benefit Options
To meet different protection and savings needs
Flexibility in Premium Payment
Single premium vs. multi-pay
Variable Universal life
Variable universal life insurance provides permanent protection with the potential to build cash value through scheduled premium payments while also offering a variety of asset allocation options.
Flexible death claim options
Retain assets under management
Joint lives
All bankable assets as premium
Investment control
Choice of increasing death benefit
Competitive premiums
Short surrender charge period
Access to money
Choice of 13 policy currencies
Saving Plan
Saving Plans offer more opportunities to save and accumulate funds for the future. These investment plans help individuals invest in a systematic and disciplined way to achieve short-term and long-term life financial objectives.
High Potential Return
Insurance Coverage
Short Premium Term
Guaranteed Acceptance
No Medical Underwriting
Flexibility in Premium Payment
Investment-Link Policy
Investment-linked insurance policies (ILPs) are policies that have life insurance coverage and investment components.
The premiums are used to pay for units in one or more sub-funds of policyholder choice. Some of the units purchased are then sold to pay for insurance and other charges, while the rest remain invested.
Product Features
Your level of protection and investments
From a wide variety of funds to invest in
A single one-off premium or regular premium plan
The level of risk you are comfortable with