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.