With FortuneXtra (2-year pay), you can plan better by denominating your policy in a local or foreign currency from the choices of: Renminbi (RMB), United States Dollar (USD), British Pound (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD), Hong Kong Dollar (HKD) and Macau Pataca (MOP; only for policies issued in Macau), each offering different policy returns.

Starting from the 2ⁿᵈ policy year, your policy will have a guaranteed cash value³ payable at maturity or when you surrender your policy.  Further, after the policy has been in-force for 2 years, you may enjoy the growth potential of your savings with two types of non-guaranteed bonuses – the reversionary bonus and terminal bonus⁴.

From the 10ᵗʰ policy anniversary onwards⁵, you may apply to exercise the Policy Value Lock-in Option² to transfer a portion of your policy value into the Prime Currency Account to lock in your gains. You may then earn interest in your account⁶ and withdraw the value of the Prime Currency Account at any time².

We offer the opportunity to save in up to two currencies of your choice under the Prime Currency Account and the Global Currency Account of a single policy^2,8 after exercising the Policy Value Lock-in Option². You can enjoy the privilege of switching anytime at the prevailing currency exchange rate⁹ between the Prime Currency Account and the Global Currency Account for an unlimited number of times².  Competitive interest may be credited on the value of the Prime Currency Account and the value of the Global Currency Account based on the currency chosen⁶.  Similar to the Prime Currency Account, you can withdraw the value of the Global Currency Account at any time².