Skip Navigation

ACE Gold Wealth Insurance Plan

A Solution of Wealth Accumulation with Competitive Returns and Life Protection

Along the lifelong journey, you may need long term financial planning with enhancement of potential returns to achieve your financial goals more easily. You may want to prepare the education fund for your new-born child, save for future retirement, or grow and transfer your wealth to your next generation. All you need is ACE Gold Wealth Insurance PlanTM, which can provide competitive returns and life protection to help you reach your goals.

HIGHLIGHTS

  • Apart from guaranteed cash value, ACE Gold Wealth Insurance PlanTM also provides non-guaranteed Reversionary Bonus and non-guaranteed Special Bonus that form the high potential returns to help you achieve your future financial goals.
    - Reversionary Bonus1
    The policy will be entitled to Reversionary Bonus starting from the 3rd policy anniversary. Once the face value of Reversionary Bonus is credited to the policy, the face value of the Reversionary Bonus is guaranteed and payable upon the death of the insured. The cash value of the accumulated Reversionary Bonus will be payable upon cash withdrawal, surrender or maturity of the policy.
    - Special Bonus2
    The face value of Special Bonus is payable upon the death of the insured while the cash value of the Special Bonus is payable upon cash withdrawal, surrender or maturity of the policy.
  • As long as your policy is in force, you have the flexibility to make withdrawal3 on the cash value of the accumulated Reversionary Bonus (if any) and its corresponding cash value of Special Bonus (if any) for fulfilling any unexpected financial needs. The face value of accumulated Reversionary Bonus credited to the policy will be proportionally reduced after the withdrawal.
  • 4 premium payment periods, as short as 3 years, are available for your selection to cater to your different budgeting needs. The premium rate is guaranteed during your selected premium payment period, enabling you to have better financial planning.
  • The plan provides life protection up to age 100 of the insured.
  • Application for this plan is simple and fast without medical examination in general4.
  • A wide range of supplementary benefits5 can be attached to the plan to provide more comprehensive protection.

Now you can enjoy premium waiver offer on the basic plan premium in the 13th policy month for any successful applications for ACE Gold Wealth Insurance PlanTM on or before 30 November 2015!

 Remarks:

  1. Provided all premiums are paid in full when due, the policy will be entitled to Reversionary Bonus starting from the 3rd policy anniversary. Face value of Reversionary Bonus not yet credited into the policy and cash value of the accumulated Reversionary Bonus are not guaranteed and shall be determined by the Company from time to time.
  2. Face value and cash value of Special Bonus are not guaranteed and shall be determined by the Company from time to time.
  3. The withdrawal amount you requested will be paid out from, as determined by the Company, the cash value of accumulated Reversionary Bonus and of its corresponding Special Bonus.
  4. No medical examination is required for the application if the total face amount of all the policies of ACE Gold Wealth Insurance PlanTM of each insured does not exceed the limit set by the Company from time to time.
  5. Normal underwriting and additional premium are required for the application of supplementary benefits.

 

Important Notes
ACE Gold Wealth Insurance PlanTM is designed for individuals looking for long term financial planning. Early surrender of this plan may result in significant losses that the surrender value may be less than the total premium paid.

The Reversionary Bonus and Special Bonus are not guaranteed and are determined by the Company from time to time. They are based on the Company’s experiences and expectation of a series of factors including but not limited to investment returns, expenses, claims and terminations.

 

The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the Product Fact Sheet for further details. For exact terms, conditions and exclusions, please refer to the policy provisions. The above information shall not be construed as an offer to sell or solicitation to buy or provision of any of our products outside Hong Kong. For further information, please contact your ACE Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.