As an accomplished individual with success created and built upon your hard work and acumen, you would want to enjoy continued success for yourself and pass it on to your loved ones.


That is why we have designed China Life Golden Dragon Whole Life Plan (USD) with this in mind. It is a 5-year regular premium participating whole life plan that guarantees 100% Return of Premiums (ROP)1 paid and provides potential yearly cash bonuses.4 Moreover, it provides life protection, giving you the best of both worlds.

Key Benefits:

Return of Premiums
100% of the premiums1 paid will be returned in 5 yearly instalments – guaranteed.

Maturity Benefit
A rewarding lump sum payment2 will be made upon maturity3 of the plan.

Potential Cash Bonuses
Receive potential cash bonuses4 which one can choose to either spend them on lifestyle pursuits or accumulate5 them with us to further establish a rewarding legacy for future generations.

Guaranteed Coverage till Age 100
Financial protection against death till the Life Insured is age 100 and draw comfort that a lump sum payment6 will be made if the unfortunate happens.


1. This 100% return of premiums is payable in 5 yearly instalments starting from the policy anniversary immediately after the Life Insured's 65th birthday or at the end of the 15th policy year, whichever is later. 

2. The lump sum payment includes the Sum Insured, accumulated yearly cash bonuses (if any) and interest on the accumulated yearly cash bonuses (if any), less amounts owing to us (if any). 

3. This plan will mature on the policy anniversary following the Life Insured's 100th birthday, and will automatically terminate on the maturity date. 

4. The cash bonuses, which we may pay starting from the end of the 5th policy year, are not guaranteed and are dependent on the future performance of the participating fund.

5. The interest rate on your accumulated cash bonuses is non-guaranteed and is subject to change according to prevailing market conditions. We have the right to change it by giving 30 days' notice. 

6. In the event of death of the Life Insured, we will pay the sum of the Sum Insured, premiums paid less premiums returned, accumulated yearly cash bonuses (if any) and interest on the accumulated yearly cash bonuses (if any), less amounts owing to us (if any).

Exchange Rate and Currency Risk Exposure:

Premium payment and any value paid under the plan will be in USD. Any exchange rate fluctuations will have a direct impact on the value of your benefits. If USD depreciates when a benefit becomes payable under the plan, the value earned from our plan may be lower.


Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. This advertisement is for general circulation and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before committing to purchase. If you choose not to do so, you should consider whether the product in question is suitable for you. This advertisement is not a contract of insurance. Please refer to the Policy Contract for the exact terms and conditions, specific details and exclusions. This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme and the limits of coverage, where applicable, please contact us or visit the Life Insurance Association, Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 21 March 2017.