Universal Life

Universal Life (UL) insurance in Hong Kong: Some of the options

Ace Golden Touch Saver Plan II ~ Universal Life

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The Ace Golden Touch plan credits daily interest compounding @ 3.75% pa. An additional 1% pa is credited to your account every 5 years starting from the 10th policy anniversary and on policy maturity.

In addition Golden Touch offers an extra bonus every 5 yeras, starting from the 10th policy anniversary at a fixed rate of between 3.5-5%, depending on the term of your contract and payments. See the product brochure above for more details.

After 12 years the account value interest rate will be no less than 3% pa.

When you surrender the policy there is an option to take out a:

  • Fixed Income Annuity: Paying a fixed monthly amount until you pass away or turn 65
  • Fixed Income Annuity for 20 years: Paying a fixed monthly amount for 20 years with payments continuing to a benificiary if you are no longer living.

To add even more benefit to the plan there is the option to add:

  • medical
  • critical illness and
  • accident

For more information on Golden Touch Call the helpful crew at Navigator 2530 2530 or drop us a line at crew@navigator-insurance.com for any help you'd like with landlord or any other form of insurance.

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