FamilyPower Multi-Currency Life Insurance Plan 2

As you progress through different life stages, your needs will evolve. 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 another available currency anytime, with up to 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 the original policy into up to 3 policies anytime. You can also exercise Policy Split Option and Currency Switch Option at the same time to achieve your financial goals.

To achieve different life goals, you can set up an instruction to withdraw cash value from your policy either monthly or annually starting from the 5^th Policy Anniversary or after the Payment Cessation Date (whichever is later).

You can also designate yourself or a loved one to receive these withdrawal payments, enabling your children to pursue their dream, funding your new interests or crafting your ideal retirement, etc.

From the 5^th Policy Anniversary or after the Payment Cessation Date (whichever is later), you can exercise the Policy Value Management Option to lock in a portion of the Plan’s Guaranteed Cash Value and non-guaranteed Special Dividend (if any), mitigating the impact of investment market fluctuations.

You can withdraw Policy Value Management Balance under the Policy anytime, increasing the liquidity and flexibility to meet personal and family needs.

We may pay a lump sum non-guaranteed Special Dividend (if any) to you, the Beneficiary(ies), Regular Withdrawal Recipient or the Family Mental Care Benefit Recipient, providing extra potential returns.

This plan helps you plan ahead for wealth succession, protecting and maintaining 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 Regular Withdrawal Recipient, a Contingent Owner, an Interim Policyholder or a Contingent Insured,
• making unlimited times of Change of Life Insured

To align with your legacy planning goals, you can create the ideal settlement option for your loved ones by choosing one of the below ways for us to pay the Death Benefit:

• Lump sum payment
• Monthly instalments payment
• Lump sum payment followed by monthly instalments payment
• Flexible payment option – monthly instalments payment and lump sum payment in designated percentage for Defined Life Event of the Beneficiary

• An extended Family Mental Care Benefit covers the Life Insured on mental incapacity or Severe Dementia covering both you and your family,
• Family Accident Benefit provides extra financial support for you and your family during difficult times