Successfully apply to enjoy first-year premium discount.
The Plan offers death benefit until the Life Insured’s Insurance Age of 99.
In the unfortunate event of the death of the Life Insured during the first 20 policy years, after deducting the Indebtedness (if any), the Beneficiary(ies) will receive Sum Insured and Special Dividend (if any) as of the date of passing away of the Life Insured.
If the Life Insured passes away after the policy’s first 20 years, after deducting the Indebtedness (if any), the Beneficiary(ies) will receive:
The Plan offers 5 years and 10 years of payment terms, allowing you to budget your finances with greater flexibility.
In the event of policy termination, a lump-sum non-guaranteed Special Dividend (if any) may become payable to you or the Beneficiary(ies), providing extra potential returns.
While the policy is in-force and upon attaining the 20th policy year, the Policyholder has the right to exercise the Policy Value Management Option, to lock-in a portion of the Plan’s Net Cash Value.
Free Supplementary Benefits, include the Unemployment Benefit, the Accelerated Death Benefit and the Cancer and Disability Benefit.
With our Preferential Underwriting Procedure, applying for “CompanionLife” is simple. Provided that the Life Insured and / or the Policyholder fulfil the Insurance Age and the plan’s other application requirements, medical examinations or health declarations are not required, making it easier for you to secure the protection you need.
Remark(s): Please refer to the Product Brochure for detailed Terms and Conditions and exclusions. Please refer to the Notes on Participating Policy for details of dividend philosophy, investment strategy and historical fulfilment ratio of dividend distribution.
You can find all the forms and documents here for our insurance products.