Plan today for tomorrow's prosperity
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FutureEnrich 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").
Designed to accommodate payment flexibility with multiple premium payment options, the Plan helps you accumulate wealth by paying out a Guaranteed Monthly Income that increases 3% annually as well as a lump-sum non-guaranteed Terminal Dividend, enabling you to plan for your future.
The Guaranteed Monthly Income payable under the Plan will increase by 3% p.a., starting from the 2nd year after the commencement of the income period based on the initial Guaranteed Monthly Income helps to counteract the effects of inflation (calculations based on simple interest).
You can choose either a premium payment period of 2 years, 3 years or 5 years, and enjoy stable returns through a Guaranteed Monthly Income distributed over 8 years, 9 years or 10 years, or accumulate that in your policy account to earn interest until the end of the Income Period of the policy.
Provided that the Life Insured fulfils the requirements of the Plan, acceptance is guaranteed and a uni-rate premium applies, irrespective of underwriting record, occupation, health condition and financial status.
The policyholder may plan for the payment of the Death Benefit in advance. If the Life Insured passes away during the Income Period, the beneficiary(ies) may opt to continue receiving the remaining Guaranteed Monthly Income as the Death Benefit, or receive the Death Benefit in a lump-sum payment. The plan can be tailored to complement existing estate plans.
Free supplemental benefits, including: Accidental Death Benefit and Unemployment Benefit
Optional supplemental benefits, including: Waiver of Premium Benefit, Payor’s Benefit, and Cancer Benefit
Remark(s): Please refer to the Product Brochure for detailed terms and conditions and exclusions. And 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.