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ACE Golden Touch Saver Plan II

An ideal plan to help you build a golden future

ACE Golden Touch Saver Plan II (“Golden Touch”) provides you a customized one-stop financial solution to enjoy wealth accumulation through attractive interest rates, financial flexibility and life protection. In addition, you can convert the surrender value to annuity at ease. With Golden Touch, you can easily customize your savings plan to achieve your various financial goals at different life stages.

HIGHLIGHTS

Golden Opportunity for Wealth Accumulation
Crediting Interest1
Your Account Value2 will accrue with Crediting Interest on a daily compound basis.

Special Interest1
Special Interest will be credited to your account every 5 years starting from the 10th policy anniversary and on policy maturity.

Extra Bonus
In addition to Crediting Interest and Special Interest, Golden Touch offers you Extra Bonus every 5 years starting from the 10th policy anniversary at a fixed bonus rate to further boost your Account Value.

3% p.a. Minimum Interest Rate3
If the policy has been issued for 12 years or more, your Account Value applied for the calculation of the death benefit, surrender value or maturity value will not be less than the amount calculated at the Minimum Interest Rate of 3% per annum.

Lifetime Annuity Income to Realize Your Dream
Upon policy surrender, you may exercise annuity option (subject to conditions) to convert all or part of your surrender value into annuity income payment for retirement. There are 2 annuity options for your selection:

  • Fixed Income Life Annuity
  • Fixed Income Life Annuity with 20-year Annuity Income Payment Guarantee Period

Financial Flexibility to Suit Your Financial Goals
Golden Touch offers flexible premium payment options. You can choose from our different payment options: 5 / 10 / 20 years.

When there is cash value in your account, you may suspend payment of basic premium or make cash withdrawal at no cost to meet your specific needs.

Additional Cushion to Provide You with Peace of Mind
In the unfortunate event of the insured’s death, the death benefit will be: (i) the total basic premium paid less the total cash withdrawal (if any); or (ii) 101% of the Account Value, at the insured’s death, whichever is higher.

Easy Application without Medical Examination
Application for Golden Touch is simple and fast without the need for medical examination.

Remarks:

  1. Crediting Interest rate and Special Interest Rate are determined by the Company and subject to change from time to time at the Company’s sole discretion.
  2. Account Value is subject to charges of the plan.
  3. Minimum Interest Rate once determined at policy inception will not be changed during the policy term.

 

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. For further information, please contact your ACE Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.