With Wealth Builder, your financial future is insured. It gives you permanent protection and because the policy lasts a lifetime, your future is secured. What’s more, this participating policy let you share the profits of MassMutual Asia and enjoy long-term savings.

Financial security always comes first

Wealth Builder is designed to ensure that your loved ones have the greatest security you can possibly give them. In the event of your death, your family will receive a significant amount of immediate cash including the Sum Insured, accumulated dividends and interest to use as they wish.

Make the most of your money

Wealth Builder is a superior vehicle for savings. Every year, you are entitled to an Annual Dividend. And from the 10th policy anniversary onwards, an additional Terminal Bonus will be declared. What's more, the Annual Dividends can be pooled to earn more interest. And
through the power of compounding, you will enjoy a high return over the long term.

You decide how to receive the dividends

In order to provide total financial convenience, Wealth Builder gives you various options for your dividends:
- accumulate in the Company as savings
- cash-in for use every year
- pay future premiums
- convert into paid-up additions

Guaranteed Cash Value

A guaranteed lump sum is at your finger tip to meet your needs. This Cash Value is absolutely “guaranteed”, backed by our financial standing and proven business record.

An instant source of money

If you need cash in a hurry, simply present your insurance policy to us with an application form and you will have instant access to a policy loan of up to 90% of the Guaranteed Cash Value, excluding Terminal Bonus.

Free to choose your premium payment term

You can select the most convenient premium payment term from 10 years up to age 85, depending upon your needs and financial situation. Moreover, the premium will stay exactly the same throughout the years.

Terminology for Wealth Builder

Annual Dividend - You may share in the Company's surplus or profits in the form of cash dividend to enhance your coverage. This dividend is declared annually and may be applied under one of the dividend options, e.g. to leave for accumulation or to pay future premiums, etc.

Terminal Bonus - To reward all our long-persisting policyholders – like you, an additional bonus is distributed from the 10th policy anniversary onwards. It is declared by the Company annually and payable to the policyholder or the beneficiary in the following 12-month period upon the maturity or surrender of the policy or death of the Insured.

Guaranteed Cash Value - The amount of cash grows on a guaranteed basis and forms a portion of the Surrender Value.

Surrender Value - This represents the amount of cash you will receive when you surrender the policy before the maturity date. For most policies, Surrender Value is available after the policy has been in-force for two to three years.

Reduced Paid-up Insurance - If your need for life insurance is reduced in later years, you may choose to stop making premium payments and use the Surrender Value to purchase an insurance of a reduced Sum Insured.

    

The above information is for reference only. Please refer to the policy document for benefit coverage and exact terms and conditions. For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: (852) 2533 5555.