Own the Future with a legacy of wealth
Protected wealth that grows for generations
Infinity Saver is a flexible insurance savings plan designed to grow your assets and help you and your family to achieve your future goals. With Infinity Saver you accumulate capital with potentially higher returns.
Create an inheritance
Uniquely, you may change your policy ownership over time to transfer accumulated wealth up to 138 years.
For your family’s future happiness
Your family will look back and thank you for your wisdom today. Choose Infinity Saver to build your wealth, watch it grow and share your blessings across the generations...
Infinity Saver - Build your wealth with confidence
Get started right away with a premium payment term of five or ten years. It’s so easy to accumulate a sizeable sum. And no medical examination is required. What are you waiting for?
We implement a proactive asset allocation strategy so you can grow your wealth with higher potential returns. From the third policy anniversary onwards, you are entitled to a non-guaranteed Terminal Bonus.
For total peace of mind, you’re entitled to receive the Guaranteed Cash Value on surrender of the policy from the third policy anniversary onwards, no matter the economic climate. The Guaranteed Cash Value is based on the duration for which the policy has been in force, up to 350% of the total Annual Premium paid1.
When you reach the age of 55 and the 10th policy anniversary, you can decide at any time to convert all or part of the Cash Value to a lifetime annuity3. This guarantees you an annuity income for the rest of your life, and protects you from the financial impact of longevity risk.
Transfer your policy ownership to your loved one. Grow and share the wealth across generations.
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Change the Policy Owner / the Insured4 at any time while the policy is in force, up to age 138
of the original Insured.
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Automatically change the Policy Owner6 / the Insured5,6 to a designated beneficiary upon the death of the Insured with prior instruction.
This means there’s no need to wait for the completion of probate, thus avoiding estate disputes and potentially earning tax advantages^.
^ Please consult with your own legal advisors in respect of the taxation of an individual country or region.
Make plans for your future with our flexible funding option.
You can withdraw a portion of the Cash Value by partial surrender7 at any time after the third policy anniversary. The remaining value will continue to accumulate toward your next financial goal.
Accident Waiver of Premium Benefit8
If you unfortunately get in an accident of total disability for a continuous period of not less than six months before age 65, we will take care of all subsequent premium payments under the basic plan.
Death Benefit9 Guaranteeing Refund of Capital
In the unfortunate event of the death of the Insured, the Cash Value or the total Annual Premium paid1 for the Basic Plan, whichever is higher, will be paid to the designated beneficiary.
Grow your wealth exponentially and share it across generations
Flexible Funding
Remark: The above figures are hypothetical and for reference only. The projected Cash Value amounts are calculated based on the projected Terminal Bonus and premium paid annually in full during the premium payment term, and provided that no cash withdrawal or policy loan has been made while the policy is in force. The projected Total Return Ratio is rounded to the nearest integer.
Notes:
1. The total Annual Premium paid is calculated based on the Annual Premium of Basic Plan.
2.
Net of any policy debt.
3.
Current requirement on minimum Cash Value for exercising an annuity is US$10,000. The actual annuity income is subject to the annuity option selected, the Cash Value applied for exercising the annuity, and the applicable annuity rate in effect on the annuity date. Each Insured can exercise annuity option once only. The availability of the annuity option 1 “Lifetime fixed-income annuity” is guaranteed. We reserve the right to determine the annuity options available for this plan from time to time, the terms and conditions of the annuity and the annuity payment amount at the time the first annuity payment is made.
4.
The Policy Owner may change the Insured after the 1st policy year and subject to the prevailing administration rules. All supplementary benefit(s) (if applicable) will be terminated upon the effective date of the change of Insured.
5.
If a contingent Insured is named by the Policy Owner before the death of the Insured while the policy is in force, the Death Benefit will not be payable and the policy will not be terminated on the death of the Insured.
6.
Subject to prevailing administrative rules.
7.
Partial surrender of the policy will reduce the amounts of the Guaranteed Cash Value and Terminal Bonus on a pro-rata basis accordingly.
8.
Applicable if the Insured is aged 18 or above. The maximum amount of premiums payable by the Company under this benefit is US$10,000 per annum (on a per-life basis).
9.
The Death Benefit is applicable when the policy remains in force and before an annuity option is exercised with the full Cash Value. The Death Benefit shall not include the Annual Premium of Basic Plan that had been reduced (i.e. partial surrender).
The above contains general information, is for reference only and does not form part of the policy. 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: Hong Kong (852) 2533 5555, Macau (853) 2832 2622.