ACE Treasure Life Insurance Plan

An Ideal Solution for Wealth Accumulation and Life Protection

You want to treasure every important moment in life with your loved ones and to realize your life goals.  ACE Treasure Life Insurance Plan provides comprehensive life protection and Guaranteed Coupons at designated policy years for wealth accumulation.  The accumulated wealth can assist you in achieving your goals, or you can pass on your fortune to your next generation.  Moreover, a Treasure Moment Bonus will be provided to celebrate remarkable milestones in your life.

HIGHLIGHTS

• Guaranteed Coupon equivalent to 50% and 100% of latest face amount will be payable to in force policies at the end of the 6th and 12th policy year respectively to help you achieve your financial goal.  You have the flexibility to withdraw the Guaranteed Coupon or accumulate it in the policy to earn interest¹.
• Treasure Moment Bonus² equivalent to 5% of latest face amount, subject to a maximum of US$2,000, will be paid for designated life stage events to celebrate the special life moments with you.
• Guaranteed cash value, non-guaranteed annual dividends³ and terminal dividends⁴ are also available in addition to Guaranteed Coupon for stable wealth accumulation.
• Short premium payment period of either 3 or 6 years with premium rate unchanged during this period, enabling you to have better financial planning.
• The plan provides life coverage up to age 100 and offers two death benefit options to address your needs.
• Free Accidental Death Benefit5 provides extra coverage up to age 65 of the insured.
• Wide range of supplementary benefits can be attached to the plan to provide total protection.

Remarks:
 

1. Interest is accumulated at the rate which is determined by the Company and will change from time to time.

2. Treasure Moment Bonus will be paid if any one of the four designated life stage events (1. University entrance; 2. Marriage or purchase of residential real estate; 3. Becoming a parent; or 4. Retirement) occurs to the insured after the end of the 6th policy year.  A maximum of two Treasure Moment Bonus, each subject to a maximum of USD2,000, will be paid under all ACE Treasure Life Insurance Plan policies issued in respect of the same insured by the Company.  The life stage event for each claim cannot be the same.  Proof from the insured is required.

3. The annual dividend is payable till the 12th policy year and it is not guaranteed.  The amount of the annual dividend is determined by the Company at its sole discretion from time to time.

4. Terminal dividend will be payable upon the death of the insured (provided that the policy has been in force for 20 years or more), surrender (provided that the policy has been in force for 20 years or more, or the policy has reached the policy anniversary on which the insured is of age 60, whichever is later) or maturity of this plan. The amount of terminal dividend is not guaranteed and is determined by the Company at its sole discretion from time to time.

5. The insured’s eligibility for the free Accidental Death Benefit is subject to underwriting.