Wealth Genius Income Plan (“Wealth Genius”) pays you guaranteed cash coupons up to age 138¹ of the initial insured, giving you extra financial flexibility throughout each stage of your life. The plan puts your finances in your control, offering 3 premium payment term options to match your financial requirements, as well as the option to change to a new insured so your wealth can support the next generation.

Product Features

 

Premium payment term as short as 3 years with fixed and guaranteed premiums

 

Guaranteed cash coupons will be paid up to age 138 of the initial insured

 

High liquidity is offered to meet your financial needs

 

Change of insured option

 

Protect yourself and your family against the unforeseen

How does Wealth Genius Income Plan work?

How does Wealth Genius Income Plan work?

Premium payment term as short as 3 years with fixed and guaranteed premiums

To suit your personal needs, you can choose one among the three premium payment term options of 3 years, 5 years or 10 years. Your premium will remain unchanged throughout the premium payment term to ease your financial planning.

Grow your wealth with guaranteed and potential returns

Guaranteed cash coupons will be paid up to age 138 of the initial insured

Starting from the end of the 3rd or 5th policy year, depending on your chosen premium payment term, Wealth Genius offers annual cash coupon² up to age 138¹ of the initial insured while the policy is in effect. An extra cash coupon² will also be available in specific policy years to boost your wealth accumulation.

Premium payment term3 years5 and 10 years
Annual cash coupon²2%
(from the end of the 3rd policy year up to age 138¹)
2%
(from the end of the 5th policy year up to age 138¹)
Extra cash coupon²6.5%
(from the end of the 3rd policy year to the end of the 15th policy year)
8.5%
(from the end of the 5th policy year to the end of the 15th policy year)
Total percentage of the notional amount³ will be paid in the first 15 policy years110.5%115.5%

% of the latest notional amount³

 

Besides, Wealth Genius offers guaranteed cash value⁴ and potential returns with annual dividends⁵ and terminal dividend⁵ to you, growing your wealth even further.

High liquidity is offered to meet your financial needs

Wealth Genius offers high liquidity to meet your financial needs with guaranteed cash coupons (annual cash coupon and extra cash coupon)² and annual dividends⁵.

Change of insured option

After the policy has been in-force for 8 years and during the lifetime of the insured while the policy is in effect, you may apply to change the insured of the policy subject to the prevailing administrative rules of the Company⁶, passing on your legacy from generation to generation with love.

Protect yourself and your family against the unforeseen

Life protection and flexible death benefit settlement options

In the unfortunate event that the insured passes away, the designated beneficiary will receive a death benefit.

To enhance flexibility for you and your loved ones, under the death benefit settlement option, the death proceeds can be paid in a lump sum or by instalments at regular intervals over a specified period of time to be agreed by us⁷.

 

Extra protection against health challenges with a cancer advance benefit

After a cancer waiting period of 5 years, if the insured or policy owner⁸ is first diagnosed with a Cancer at or before the age of 80, a cancer advance benefit⁹ which is equal to 100% of the death benefit will be paid to the policy owner to ease the financial burden of treatment expenses.

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Wealth Genius Income Plan Product Brochure

Wealth Genius Income Plan Product Leaflet

Participating Policy Fact Sheet

Fulfilment Ratios and Total Value Ratios of AXA’s Participating Plans

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