Term Insurance

Provides you the maximum coverage for 18 years with the lowest cost

Higher Fund Value

PDF allows higher growth of return. It has a ZERO-Negative feature. Even if the stock market drops in a particular year, the PDF will still give you a positive return for the year

Accidental Death Benefit Rider (ADB)

If the insured dies due to a covered accident, the beneficiary will receive double (x 2) of the basic death benefit.

e.g. 2M x 2 = 4M

Payor's Death & Disability Benefit Rider (PDDB)

If the insured is a minor (below 18yo) and the payor passes away or becomes totally and permanently disabled, the remaining balance will be waived.

Terminal Illness Rider (Ti)

If insured is diagnosed to have an illness and life expectancy of 12 months or less, he/she will receive 50% up to a maximum of 500K from the death benefit. The remaining benefit will be given to the beneficiary upon death of the insured.

Critical Illness Rider (CI)

Provides additional 30% of the basic death benefit to the insured in the event that he/she is diagnosed with any of the 30 covered critical illnesses.

e.g. 2M x 30% = 600K CI benefit

Total and Permanent Disability Rider*

If the insured suffers from a disability caused by a bodily injury or qualified illness that continues uninterruptedly for at least 6 months, he/she will receive an amount equivalent to the basic death benefit.

*applicable to MOST GRP

Premium Flexibility

Premium may be settled yearly for 18 years, in 5 years, or even one-time. Any contribution in excess of the premium will be invested in PDF.

Issue Age is 5 yo to 60 yo

Insure yourself and your whole family.

Address Various Financial Needs

The PDF can be used to fund your Retirement, Pension, Kid's Education, Travel, etc.

Convertible to Permanent Insurance

You have an option to a permanent policy.

Low Chance of Lapsation

Premiums may be settled from your PDF / investment earnings.