Reset assured to enjoy
Every moment of life with your family
Splendid Universal Life Insurance Plan ("the Plan") is a life insurance plan and is not a bank deposit. It is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance").
Paves the way to a delightful life with flexibility. The Plan provides you with comprehensive protection and financial flexibility. Adjustable Sum Insured, Premium payment terms and cash withdrawal are applicable to suit your personal needs. With such versatility, you can rest assured to pursue your goals and visions.
In the unfortunate event of the Life Insured’s death while your policy is in force, the Death Benefit will be payable to the beneficiary(ies) to ease their financial burden.
A range of payment terms is available, you may opt for single premium, 2-year or 5-year terms, to suit different financial agendas. You may also make Unscheduled Premium payments to enhance your Account Value or adjust the Sum Insured to align with your personal needs.
From time to time, you may need cash to meet urgent financial needs. While your policy is in force, you can make withdrawals from the policy account and Policy Loan.
An Interest Crediting Account: Policy interest based on the prevailing General Crediting Interest Rate will be credited into your policy account
1-year New Money Crediting Interest Rate: first year Planned Premium allocated to your account will accrue at such rate
Loyalty Bonuses: Guaranteed will be credited to your Account Value at the 15th, 20th, 25th and 30th Policy Anniversaries
Free Supplemental Benefits, including: Terminal Illness Benefit, Waiver of Premium on Disability Benefit, and Payor’s Benefit
Optional Supplemental Benefit: Critical Illness Benefit (Advance Payment)
Remark: Please refer to the Product Brochure for detailed terms and conditions and exclusions. And please refer to the Portfolio Factsheet for details of the philosophy in deciding the General Crediting Interest Rate, investment philosophy and historical General Crediting Interest Rate of Universal Life Insurance Products.
Find details on how to submit your claim and more.
You can find all the forms and documents here for our insurance products.