FamilyPower Multi-Currency Life Insurance Plan

As you go through different life stages, your needs will change. This plan offers the flexibility to switch between currencies to meet your financial needs and benefit from long-term wealth growth opportunities:

• starting from the 3^rd Policy Anniversary or after the Payment Cessation Date (whichever is later), you have the flexibility to convert your Policy Currency to a different available currency, whenever you wish and up to a maximum of 3 times per Policy Year

Whether you want to rearrange your assets or build your legacy, you can make use of the Policy Split Option for wealth succession planning:

• starting from the 3^rd Policy Anniversary or after the Payment Cessation Date (whichever is later), you can split your Policy into up to 3 policies at any time. You can also exercise the Policy Split Option and Currency Switch Option at the same time to reach your financial targets

To realise your life goals, you can withdraw cash value from your Policy every month or every year starting from the 5^th Policy Anniversary or after the Payment Cessation Date (whichever is later), to meet your funding needs, such as:

• paying for expenses during retirement
• settling your children’s tuition fees

This plan can help you plan ahead for wealth succession, to protect and maintain the quality of life for your beloved family:

• as long as the Policy remains in force, the Policyholder can seamlessly transfer the Policy from one generation to another by splitting policies in different currencies, designating a Contingent Owner, an Interim Policyholder, a Contingent Insured, and making unlimited times of Change of Life Insured to ensure a smooth transition

While the Policy is in force and starting from the 5^th Policy Anniversary, the Policyholder has the right to:

• exercise the Policy Value Management Option, to lock-in a portion of Guaranteed Cash Value and non-guaranteed Special Dividend (if any) which mitigate the impact of fluctuations in investment market; and
• withdraw Policy Value Management Balance under the Policy anytime, increasing the liquidity and flexibility of capital to fulfil the personal and family needs

• An extended Family Mental Care Benefit covers mental incapacity or Severe Dementia
• Free Accidental Death Benefit, in addition to the Death Benefit, provides extra financial support for the loved ones