Start your savings today to realize your dream future. Well Save Future Coupon Plan (the 'Plan') provides you with monthly guaranteed cash coupon and non-guaranteed dividend till maturity. The Plan helps you accumulate long term wealth for a better future.

Monthly Guaranteed cash coupons

Starting from the policy anniversary following life insured's 60th birthday till maturity, the Plan provides guaranteed cash coupons on monthly basis. To best suit your needs, you can choose to receive guaranteed cash coupons in cash or leave with the Company for accumulation with interest (accumulation interest rate is non-guaranteed and may be determined by the Company from time to time.).

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Starting from the policy anniversary following life insured's 60th birthday till maturity, the Plan provides guaranteed cash coupons on monthly basis. To best suit your needs, you can choose to receive guaranteed cash coupons in cash or leave with the Company for accumulation with interest (accumulation interest rate is non-guaranteed and may be determined by the Company from time to time.).

Monthly Non-guaranteed dividends

Starting from the policy anniversary following life insured's 60^th birthday till maturity, the Plan provides non-guaranteed dividends on monthly basis.

Dividends are not guaranteed and are determined by the Company at its discretion. Same as guaranteed cash coupons, you can choose to receive dividends in cash or leave with the Company for accumulation with interest (accumulation interest rate is non-guaranteed and may be determined by the Company from time to time.).

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Starting from the policy anniversary following life insured's 60^th birthday till maturity, the Plan provides non-guaranteed dividends on monthly basis.

Dividends are not guaranteed and are determined by the Company at its discretion. Same as guaranteed cash coupons, you can choose to receive dividends in cash or leave with the Company for accumulation with interest (accumulation interest rate is non-guaranteed and may be determined by the Company from time to time.).

Choices on premium payment terms

There are 5 options of premium payment terms for your selection: 5 / 10 / 15 / 20 / 25 years. If you select 5-year premium payment period, you can prepay all premiums in a lump sum payment.

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There are 5 options of premium payment terms for your selection: 5 / 10 / 15 / 20 / 25 years. If you select 5-year premium payment period, you can prepay all premiums in a lump sum payment.

Premium wavier

During life insured age 18 to 60, premiums of the Plan falling due before recovery will be waived in the event of the life insured sustaining total and permanent disability as a result of accident.

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During life insured age 18 to 60, premiums of the Plan falling due before recovery will be waived in the event of the life insured sustaining total and permanent disability as a result of accident.

Grace period extension up to 365 days

We are always here to support you. Starting from the 2^nd policy year, if the policyowner is made redundant or laid off, he/she can apply for an extension of grace period up to a maximum of 365 days.

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We are always here to support you. Starting from the 2^nd policy year, if the policyowner is made redundant or laid off, he/she can apply for an extension of grace period up to a maximum of 365 days.

A death benefit to better protect your loved ones

If the life insured unfortunately passes away while the policy is in force, death benefit of the Plan will include:

the higher of:
120% of the total premiums paid at date of death of the life insured less the total guaranteed cash coupon amount paid; or
the guaranteed cash value at the date of life insured's death;
accumulated guaranteed cash coupon and interest (if any)
accumulated dividend and interest (if any)

Less any Indebtedness

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If the life insured unfortunately passes away while the policy is in force, death benefit of the Plan will include:

the higher of:
120% of the total premiums paid at date of death of the life insured less the total guaranteed cash coupon amount paid; or
the guaranteed cash value at the date of life insured's death;
accumulated guaranteed cash coupon and interest (if any)
accumulated dividend and interest (if any)

Less any Indebtedness

Hassle-free application without medical examination

You can start your saving plan with simple assessment process with no medical examination and health declaration required.

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You can start your saving plan with simple assessment process with no medical examination and health declaration required.

Well Save Future Coupon Plan

Product Type

Basic Plan

Premium Payment Term and Issue Age (on last birthday)

Premium Payment Term: 5 years Issue Age: Age 18 to age 50

Premium Payment Term: 10 years Issue Age: Age 18 to age 50

Premium Payment Term: 15 years Issue Age: Age 18 to age 45

Premium Payment Term: 20 years Issue Age: Age 18 to age 40

Premium Payment Term: 25 years Issue Age: Age 18 to age 35

Benefit Term

To age 100

Policy Currency

HKD / USD

Minimum Principal Amount^

HKD$ 100,000 ／ USD$ 12,500

Maximum Principal Amount^

HKD$ 2,500,000 ／ USD$ 312,500

Premium Payment Mode

Annual / monthly / Annual with Prepayment¹

Guaranteed Cash Coupon

Payable starting from the policy anniversary on or following life insured’s 60th birthday till maturity
Payable on monthly basis
You may elect to receive by one of the following options:

Option 1: paid in cash

Option 2: leave with the Company for interest accumulation where the accumulation interest rate is non-guaranteed and may be determined by the Company from time to time.

Dividends

Non-guaranteed and are determined by the Company at its discretion
Payable starting from the policy anniversary on or following life insured's 60th birthday till maturity
Payable on monthly basis
You may elect to receive by one of the following options:

Option 1: paid in cash

Option 2: leave with the Company for interest accumulation where the accumulation interest rate is non-guaranteed and may be determined by the Company from time to time.

Death Benefit

If the life insured dies, the death benefit will include:

1. the higher of:

a. 120% of the total premiums paid at date of death of the life insured less the total guaranteed cash coupon amount paid; or

b. the guaranteed cash value at the date of life insured's death;

2. accumulated guaranteed cash coupon and interest (if any)

3. accumulated dividend and interest (if any)

Less any Indebtedness

Surrender Benefit

Guaranteed cash value at time of surrender; plus
accumulated guaranteed cash coupon and interest (if any); plus
accumulated dividend and interest (if any); less
any indebtedness.

Premium Wavier

During life insured age 18 to 60, premiums of the Plan falling due before recovery will be waived in the event of the life insured sustaining total and permanent disability as a result of accident.

Extended Grace Period Benefit

If the policyowner is made redundant or laid off after the Plan has been in effect for more than one year, he/she can apply for an extension of grace period to a maximum of 365 days² . The extended grace period benefit can be claimed once only under this Policy.

^ Principal Amount is a reference figure used in benefit calculation of the Plan. It does not equal to death benefit

1. Applicable to 5-year premium term only and require full prepayment of all future premium dues and corresponding levy under the Plan at policy issuance. The prepayment amount is calculated at annual interest rate of 3.0% (HKD policies) / 3.2% (USD policies). Since prepayment interest rate is not guaranteed and levy rate and its upper limit are not fixed, which are subject to change, the prepayment amount may not be sufficient to fully cover all future premium dues and corresponding levy.

2. Standard grace period is 31 days

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