Please be informed that our Customer Service Centre and hotline will be closed on the following dates and times due to company events and festive days. Business will resume on the next business day after the respective dates listed below.
We apologise for any inconvenience this may cause.
1. On 20/12/2024 - Closed from 12:00 PM to 5:30 PM
2. On 24/12/2024 - Closed from 1:00 PM to 5:30 PM
3. On 31/12/2024 - Closed from 1:00 PM to 5:30 PM

Alert: Please be aware that scammers may be impersonating China Life Insurance (Singapore) to target you via phone calls, emails or SMSes. Please DO NOT transfer any funds to the other party’s bank account without verification. If you have received any suspicious communications, please contact us directly at Customer Care Hotline 6727 4800.

Please be informed that our Customer Service Centre and hotline will be closed on the following dates and times due to company events and festive days. Business will resume on the next business day after the respective dates listed below. We apologise for any inconvenience this may cause. 1. On 20/12/2024 - Closed from 12:00 PM to 5:30 PM 2. On 24/12/2024 - Closed from 1:00 PM to 5:30 PM 3. On 31/12/2024 - Closed from 1:00 PM to 5:30 PM                    Alert: Please be aware that scammers may be impersonating China Life Insurance (Singapore) to target you via phone calls, emails or SMSes. Please DO NOT transfer any funds to the other party’s bank account without verification. If you have received any suspicious communications, please contact us directly at Customer Care Hotline 6727 4800.                    
China Life Harvest Income Supreme Plan (USD)

China Life Harvest Income Supreme Plan (USD)

China Life Harvest Income Supreme Plan (USD) is a participating whole life insurance designed for legacy and wealth planning with single, 5-year or 10-year payment term options for selection. It offers both guaranteed and non-guaranteed lifelong yearly income1. The plan provides financial protection in case of death3 and terminal illness4. For multi-generational income, Contingent Life Insured (s) 5 can be appointed. Additionally, the plan allows participation in the performance of the participating fund through non-guaranteed yearly income, loyalty bonus, and terminal bonus.

Product Features

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Enjoy a Lifetime Yearly Income1

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Capital Guarantee2

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Inheritance for The Next Generation

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Contingent Life Insured Option5

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Flexible Premium Payment Choices

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Hassle-Free Application

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  1. For regular payment, the yearly income, both guaranteed and non-guaranteed, may be payable from the end of the premium payment term (5-year or 10-year) as long as the life insured is alive and while the policy is in force. The guaranteed yearly income is set at 1% of the face amount.

    For single payment, the yearly income, both guaranteed and non-guaranteed, may be payable from the end of the 5th policy year as long as the life insured is alive and while the policy is in force. The guaranteed yearly income is set at 1% of the face amount.

  2. For regular payment, the capital guarantee, which is based on yearly premium payment mode, applies only from the end of the premium payment term and if all yearly premiums due on the policy have been paid before the end of the grace period.

    For single payment, the capital guarantee applies only at the end of the 5th policy year.

  3. For regular payment, if the life insured dies while the policy is in force and no Contingent Life Insured(s) were appointed, or before the end of the premium payment term, we will pay the sum of:
    1. 108% of the total yearly premiums due to-date or the guaranteed cash value, whichever is higher;
    2. a non-guaranteed terminal bonus(if any);
    3. accumulated guaranteed yearly income, non-guaranteed yearly income (if any) and loyalty bonus (if any); and
    4. interest on the accumulated guaranteed yearly income, non-guaranteed yearly income and loyalty bonus (if any); less amounts owing (if any) and outstanding premium (if any).

    For single payment, if the life insured dies while the policy is in force and no Contingent Life Insured(s) were appointed, or before the end of the premium payment term, we will pay the sum of:
    1. 101% of the single premium paid or the guaranteed cash value, whichever is higher;
    2. a non-guaranteed terminal bonus (if any);
    3. accumulated guaranteed yearly income, non-guaranteed yearly income (if any) and loyalty bonus (if any); and
    4. interest on the accumulated guaranteed yearly income, non-guaranteed yearly income (if any) and loyalty bonus (if any); less amounts owing (if any).

  4. If the life insured is diagnosed with a terminal illness while the policy is in force and no Contingent Life Insured(s) were appointed, or before the end of the premium payment term,we will advance the death benefit.

  5. In the event of death of the current Life Insured or when the current Life Insured is diagnosed with terminal illness, the appointed primary Contingent Life Insured as stated in our records shall be the new life insured of this policy, subject to conditions.

    Please refer to the Policy Contract for full details on Contingent Life Insured.

  6. The Face Amount is a notional value and is not the benefit that will be paid upon the death of the life insured.

  7. For regular payment, a non-guaranteed loyalty bonus may be payable starting from the end of the premium payment term and every 5 years thereafter as long as the Life Insured is alive while the policy is in force.

    For single payment, a non-guaranteed loyalty bonus may be payable starting from the end of the 5th policy year and every 5 years thereafter as long as the life insured is alive while the policy is in force.

  8. Exchange Rate and Currency Risk Exposure: This plan’s premium and pay out value are in USD. The USD exchange rate may impact the value of your benefits when converted to other currency.

You should seek advice from a financial adviser representative before making a commitment to purchase the plan.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

This marketing material is for reference only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. The specific details applicable to this insurance plan are set out in the policy contract. In case of discrepancy between the English and Mandarin versions, the English version shall prevail.

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 as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or 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 24 April 2024.