Crediting interest rate fixed period

For each premium paid in cleared funds within the first 3 policy years, once a crediting interest rate is declared at the time of receipt, such rate will be fixed and applied to that premium for the first 3 policy years.

The crediting interest rate is guaranteed at not less than 2% per annum at all times.

Guaranteed and transparent policy charge rates

All policy charge rates, including the rates for premium charge, policy administration fee, cost of insurance and surrender charge, are guaranteed (except in the case of a change of the insured).

Flexible premium payment arrangement

To accommodate your financial conditions, Heritage Builder offers an alternative payment arrangement apart from paying the whole Planned Premium¹ upfront.

Access your cash

Starting from the 11th policy year, you can enjoy an annual Free Withdrawal Amount of 5% of your account value² without reduction in the sum insured or incurring a surrender charge.

From the 16th policy year, withdrawals made are free of surrender charge.