To enjoy lifetime retirement protection, you only have to pay a premium up to your selected target retirement age (55, 60, or 65). Besides, the premium will remain level throughout the premium payment period
Target Retirement Age
55
60
65
Premium Payment until Age
55
60
65
Issue Age
18-45
18-50
18-55
As long as the policy is in force and the Insured is still alive, the Plan will pay non-guaranteed annual dividends. Lifetime guaranteed cash equal to 5% of the basic sum assured will also be paid each year after the Insured reaches the target retirement age, without any maximum age limit for these cash payments
In the unfortunate event that the Insured dies before reaching the target retirement age while the policy is in force, a Death Benefit equal to the basic sum assured or the guaranteed cash value, whichever is higher, will be paid to the Beneficiary for non-accidental death, or a Death Benefit equal to 150% of the basic sum assured will be paid if the death is the result of an accident. After reaching the target retirement age while the policy is in force, if the Insured dies for any reason, guaranteed cash value will be paid to the Beneficiary#1
The Plan provides you a medical check-up#2 every 2 years until the end of the premium payment period
In the unfortunate event that the Insured becomes totally and permanently disabled before the age of 60 during the premium payment period, premium will be waived#3 and the policy will continue to be in force. The Insured will enjoy all of the benefits of the Plan during the recovery period
A full range of optional riders on accident, medical, critical illness and disability are available and you can continue to renew these riders after the basic plan is paid up to give you total protection
Lifetime guaranteed cash as well as non-guaranteed annual dividends give you lifetime retirement protection
To enjoy lifetime retirement protection, you only have to pay a premium up to your selected target retirement age
Level premium facilitates your financial planning
The Plan not only gives you lifetime retirement income but also life insurance to protect your family
Medical check-up#2 is provided to ensure your health
Waiver of premium in case of disability#3 gives you peace-of-mind
#1
The non-guaranteed terminal dividend is payable upon death or surrender after the Insured reaches the target retirement age
while the policy is in force.
#2
American International Assurance Company (Bermuda) Limited reserves the right to amend the terms and conditions of the medical check-up. The check-up items include basic check-up, urinalysis, ECG and blood tests - complete blood picture, blood glucose, cholesterol (total), triglycerides, liver function (SGPT), renal function (creatinine), T4, uric acid and R.A. factor.
#3
For standard Insureds only and the maximum sum assured is US$300,000.
The above information is for reference only. Details are subject to terms and conditions of the policy contract.
