| |
Smart Protect
 |
Enjoy $300 off every
$1800 of Annual Premium on Smart Protect (RP) between
21 July
and 30 September 2010.
Click here
for more information. |
Overview
In life, nothing stays the same. At different stages of your life,
responsibilities, commitments and needs may vary. You may also have
evolving financial goals – maybe it’s a new home, your
child’s education or retiring with peace of mind. Whatever
it may be, Smart Protect can be adjusted to ensure your financial
goals and protection needs are always covered.
Two Plan Options designed for your varied Protection and Investment Needs
Smart Protect (RP) is a regular premium whole life investment-linked plan designed primarily to meet your protection needs while meeting your regular
investment needs. From just $100 per month, you can enjoy high insurance coverage and reap potential investment returns in one plan.
Smart Protect (SP) is a single premium whole life investment-linked plan that offers protection by allowing you to choose your desired coverage amount1, from
as little as $5,000. In addition, the plan also gives you the freedom and flexibility to manage your protection and investment goals to meet changing needs.
| |
Key Benefits
|
Affordable Premiums for High Insurance Coverage
Smart Protect is designed to provide you with high insurance coverage against Death and Total and Permanent Disability. Besides to the basic sum assured, investment
values accumulated in the plan will also be paid out2 to your loved ones in the event of Death or Total or Permanent Disability ensuring peace of mind should the
unfortunate occurs.
| Superior Flexibility That Tunes To Your Needs |
 |
With the same amount of premium, your insurance coverage can be increased or decreased to work optimally to suit your
protection and savings needs at different stages of your life. |
|
You can increase your premium contribution or make one-time premium top-ups to enhance your protection or investment
values when the needs arise. |
|
To meet varying financial needs, you may make a partial withdrawal from your investment values or choose to temporarily
stop your premium contribution. |
Wide Range of Investment Options to Provide You with Total Control of Your Investment
You can choose from a wide range of professionally managed investment-linked funds, ranging from lifestyle portfolios to specialized funds, from bonds to equities,
from regional to global markets. Should you need to rebalance your fund portfolio or investment strategy as you progress in life, you can do so with our unlimited
free fund switching facility.
1 Subject to limit based on entry age, sex, smoker and health status.
2 For Smart Protect (SP), the sum assured or the total investment value, whichever is higher, will be payable in the event of Death or Total and Permanent
Disability.
|
| |
|
|
Please refer to the product summary for insurance charges, fund management charges and premium allocation rates.
The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the surrender value payable may be less than the total premiums paid.
Investments in this plan are subject to investment risks including the possible loss of the principal amount invested .The value of the units in the Fund(s) and the income accruing to the units, if any, may fall or rise. Please refer to Fund Details for the specific risks of the Fund(s). Past performance is not necessarily indicative of future performance.
It is usually detrimental to replace an existing accident and health
policy with a new one. A penalty may be imposed for early policy
termination and the new policy may cost more or have less benefits
at the same cost.
|
