AXA “Multi-Protection” Programme

From now until 27 September 2020, if you successfully apply for any new Wealth Ultra Savings Plan with the required total annualised first year premium and satisfy the applicable requirements as shown in the leaflet, you may enjoy up to 13% premium discount* on each eligible policy. Act now!

*For details, please refer to Reward 3B stated in the relevant promotion leaflet. Terms and conditions apply

Wealth Ultra Savings Plan (“Wealth Ultra”) is a participating life insurance plan which offers sustainable wealth growth across multiple generations, along with flexibility to counter against market shifts and changes in your financial standing. Give your wealth the leading edge with 3 features that are unique in the market¹ – engage with Wealth Ultra today.

Product Features

 

Boost your wealth with long-term total returns

 

Change the insured of the policy an unlimited number of times

 

Shield yourself and your loved ones against the unforeseen

Unique in the Market¹

 

Flexi Premium Option to free up funds for your budget

 

Bonus Lock-in Option to lock in gains without an aggregate limit for the lock-in rate

 

Flexi Continuation Option - allocate your policy for life protection and uninterrupted legacy planning

How does Wealth Ultra Savings Plan work ?

When you have important financial goals to meet, you need a wealth solution that will carry you to the finish line and help you achieve victory. With Wealth Ultra, you can accelerate your wealth growth with ease and flexibility. Click here to watch the video and learn more!

Boost your wealth with long-term total returns

Starting from the 100ᵗʰ policy anniversary, total Internal Rate of Return (IRR) at the end of each policy year can be over 7%²

Starting from the 3ʳᵈ policy year, your policy will enjoy guaranteed cash value³.

Further, after the policy has been in-force for 3 years, you may enjoy the growth potential of your savings with two types of non-guaranteed bonuses – the reversionary bonus and terminal bonus⁴.

Flexi Premium Option to free up funds for your budget

  • Unique in the market¹

Your priorities may change over time, requiring extra flexibility as new needs or opportunities arise. Starting from the 4ᵗʰ policy anniversary, you may apply to exercise the Flexi Premium Option⁵, which halts your future premium payments of the basic plan and relieves you of the obligation to pay any future premiums.

Bonus Lock-in Option to lock in gains without an aggregate limit for the lock-in rate

  • Unique in the market¹

With Wealth Ultra, you can also realise long-term gains from your reversionary bonus and terminal bonus without partially surrendering your policy. Starting from the 25ᵗʰ policy anniversary, you may apply to exercise⁵ the Bonus Lock-in Option, which allows you to transfer an identical percentage of the latest cash value of reversionary bonus and the latest cash value of terminal bonus respectively to your bonus lock-in account, subject to an annual maximum lock-in rate of 70% and an annual minimum lock-in rate of 10%.

Without an aggregate limit for the lock-in rate throughout the policy term, you can pass on your policy to future generations without worrying about exhausting the lock-in rate.

Also, you can withdraw part or all of the value of the bonus lock-in account anytime.

Flexi Continuation Option - allocate your policy for life protection and uninterrupted legacy planning

  • Unique in the market¹

To protect your legacy and ensure the continuity of your wealth for future generations, after the end of the 3ʳᵈ policy year, you may apply to designate one contingent insured and assign a portion of policy value to be accumulated further⁵.

In the unfortunate event of the death of the insured, the designated contingent insured will become the new insured. The portion of the policy value that you assigned to be accumulated will become your legacy to continue accumulating for future generations. The remaining portion of the policy (if any) in the form of compassionate benefit will be payable in a lump sum to the designated beneficiary, providing immediate financial support.    

Change the insured of the policy an unlimited number of times

After the end of the 1ˢᵗ policy year, you may change the insured of the policy an unlimited number of times⁵. The benefit period will be changed to up to age 138⁶ of the latest insured, enabling you to share your legacy with the generations to come. Changing the insured will not affect the policy values under your policy.

Shield yourself and your loved ones against the unforeseen

Wealth Ultra provides life protection that can support your loved ones beyond your lifetime. There are two options of death benefit for you to choose from – superior death benefit option or regular death benefit option.

To allow greater flexibility in your legacy planning, you can have the options to have the death proceeds paid out in a lump sum or by regular instalments.

DOWNLOAD

Wealth Ultra Savings Plan Product Brochure

Wealth Ultra Savings Plan Product Leaflet

Participating Policy Fact Sheet

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

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Saturday: 09:00 - 13:00
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