Exquisite Universal Life Insurance Series

This Plan offers various payment term options. You may elect either single or annual payment from 2 to 10 years if the policy currency is in USD; you may also make additional unscheduled premium payments. If the policy currency is RMB, only single and 2-year payment options are available and unscheduled additional premium payments cannot be made.

If your policy currency is USD, you can lock in a Guaranteed Crediting Interest Rate on your first premium for 1, 3, or 5 years (while only the 1-year option can be chosen if your policy currency is in RMB).

This plan allows you to make changes to the Life Insured, depending on the requirements of Hang Seng Insurance, the prevailing laws and regulations and other practical constraints applicable at that time. Charges may be incurred as determined by Hang Seng Insurance.

You may select a No-lapse Guarantee Benefit up till age 100 upon enrolment in this Plan. We will then maintain the specified Sum Insured in force until the death of the Life Insured or the Life Insured reaches age 100.

You can create a charity donation which equals to an extra of 1% of the Sum Insured, up to a maximum of USD100,000 (or policy currency equivalent) at no additional cost.

Should the Life Insured unfortunately be diagnosed with life threatening terminal illness while the policy is in force, the Accelerated Death Benefit will be paid.