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.

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

Starting from the end of the 3^rdor 5^th 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.

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

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.

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.

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.