Connect offline

Offers higher potential returns with guaranteed cash value and two non-guaranteed bonuses – a reversionary bonus and a special bonus.

• An innovative smart legacy option allows you to divide your policy into multiple policies for contingent insureds in advance including specifying the sequence of succession.
• Death benefit settlement option tailors your legacy plan to your needs with a choice of five options – full payment in a lump sum, by regular instalments or increasing instalments, or partial payment followed by regular or increasing instalments.

• Choose to withdraw cash from the policy to enhance your liquidity.
• To address future changing needs, you can conveniently transfer policy withdrawals to your own overseas bank account via telegraphic transfer*.

*It may be subject to service charge determined by third-party banks and service providers and it will be borne by the policy owner.

Maximize your global currency prospects with the policy currency conversion option starting from the 3rd policy anniversary.

Starting from the 3rd policy anniversary, you can exercise the policy-split option. You’ll be able to divide your policy into two or more policies to support your legacy planning objectives.

You can use the bonus lock-in option to secure part of your policy value in response to the changing market outlook.

• Incapacity benefit provides thoughtful support if you ever become mentally and physically incapacitated and are unable to withdraw the policy values.
• A family accidental death benefit helps alleviate the financial impact in the event of the accidental death of the insured and / or a direct family member of the insured.

You can choose your premium payment option – single payment or 2 years *, 3 years *, 5 years, 10 years or 18 years – to match your wealth management strategy.
*This is a limited offer and its availability is at the discretion of FWD.