Lifelong protection for legacy planning

Depending on your protection preference, Grand Heritage provides you with 2 life protection options to choose from:
  • Diamond Protection

This option provides a constant level of life protection throughout the benefit period, giving you extra peace of mind.

  • Golden Protection

This option provides you with greater life protection during your golden years while the level of life protection will be lowered gradually when you approach your silver ages, giving you a balance between life protection and savings.

Lifelong wealth accumulation with cash value and terminal dividend¹

  • Cash value to secure your future

Grand Heritage offers cash value. Such cash value is guaranteed by the Company and will be payable upon policy maturity or policy surrender, which helps you plan ahead for a sound future and enjoy steady wealth accumulation with certainty.


  • Terminal dividend¹ to boost potential return

Terminal dividend¹ is a bonus payable upon policy maturity, policy surrender or on the death of the insured starting from the 3ʳᵈ policy anniversary.

Lifelong flexibility to match evolving needs

  • Flexible settlement options for death benefit

To allow greater flexibility, you can choose to have the death benefit paid out in a lump sum or regular instalments.


  • Accessible cash with policy loans²

If you need access to emergency cash, you may apply for policy loans after the 1ˢᵗ policy year, subject to approval by the Company.


  • Conversion privilege to annuity plan

For your retirement planning, starting from the 10ᵗʰ policy anniversary, you may convert the policy to our annuity plan then available, subject to the relevant requirements and the Company’s approval.



¹ Terminal dividend is not guaranteed and may be changed by AXA from time to time.

² Interest will be charged on policy loans. AXA shall have the discretion to determine or change the interest rate from time to time. If the policy loans and interest accrued are not repaid, they  will be deducted from any benefits or monies payable under the policy.

Information on this webpage is for reference only, and not intended to be a complete description of the applicable terms and conditions. Please refer to the policy contract for detailed terms and conditions. You should not purchase a policy based on the information on this website alone.

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