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Important Notice: This insurance plan is only available to Accredited Investors* as well as clients of specialised units which serve only high net worth individuals**. If you are an Accredited Investor, you will be required to submit to us a Declaration of Accredited Investor Status and supporting documentary evidence. 
* as defined under the Securities and Futures Act (Cap. 289) and the Securities and Futures (Classes of Investors) Regulations 2018.
** as defined under the Guidelines on Exemption for Specialised Units Serving High Net Worth Individuals under Section 100(2) of the Financial Advisers Act (Cap. 110).

 

Your success today has been built on the bedrock of your hard work and dedication, and leaving behind a cherished gift of legacy for your loved ones is important to you.

 

With China Life Rising Dragon Whole Life Plan (USD) – a 5-year regular premium whole life plan, you will enjoy the peace of mind with our guaranteed return of premiums1 and life-long protection as well as potential returns with the yearly cash bonuses4. Because we know that building a legacy and protecting it for tomorrow matters.

Key Benefits:

Return of Premiums
Providing capital guarantee through 100% return of premiums paid1 (ROP) which you can decide to receive in 5 yearly installments or accumulate with us5.

Maturity Benefit
A rewarding lump sum payment2 will be made when your plan matures3.

Potential Cash Bonuses
Receive potential cash bonuses4 from the 5th policy anniversary and for as long as the plan is in force. You can choose to receive the potential cash bonuses for your lifestyle pursuits or accumulate5 them with us to further grow your wealth.

Coverage till Age 100
Be financially protected against death till the age of 1006 and be assured that your family will receive a lump sum payment2 if the unforeseen happens.

Footnotes:

1. This 100% return of premiums is payable in 5 yearly instalments starting from the end of the 15th policy year or the policy anniversary immediately after the Life Insured's 65th birthday, whichever is later. You may choose to receive the return of premiums or accumulate them with us at the prevailing non-guaranteed interest rate. We will deduct any amounts owing to us from the return of premium before paying you or accumulating the remainder.

2. The lump sum payment includes the Sum Insured, accumulated ROP (if any), accumulated yearly cash bonuses (if any), and interest on the accumulated yearly cash bonuses and ROP (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 end 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. Amounts owing (if any) will be deducted from the cash bonus before the remainder is paid.

5. The interest rate on your accumulated cash bonuses and ROP 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 ROP you have chosen to receive or withdraw to-date, accumulated yearly cash bonuses (if any) and interest on the accumulated yearly cash bonuses and ROP (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.

Note:

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 14 Aug 2017.