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Investment Linked Plan 101 Wrapper

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Investment Linked Policy

An Investment-Linked Policy (ILP) is a type of life insurance policy that combines a death benefit with an investment component, allowing you to invest your premiums in various assets.

Key Benefits:
1. Flexibility: Allows you to adjust your investment mix and premium payments.
2. Potential for Growth: Offers potential for long-term growth through investments.
3. Tax Benefits: May provide tax benefits, depending on the jurisdiction and policy terms.
4. Customization: Enables you to tailor your policy to suit your individual needs.

Why Consider an Investment-Linked Policy?
1. Potential for Growth: Offers potential for long-term growth through investments.
2. Flexibility: Allows you to adjust your investment mix and premium payments.
3. Customization: Enables you to tailor your policy to suit your individual needs.

Partner's Products

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insurance, investment, plan, prospera, lifestyle,

Income Invest Flex

Policy Term Options

5,10,15,20 years

Earliest Premium Holiday From

6th year

Other Bonuses

0.5% annual loyalty bonus5 starting from the 10th policy anniversary or the end of the MIP, whichever is later

Riders

Cancer Premium Waiver (GIO) Dread Disease Premium Waiver Enhanced Payor Premium Waiver Payor Premium Waiver

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insurance, investment, plan, prospera, lifestyle,

HSBC Life Wealth Abundance

Policy Term Options

10 years (Max 5 years commitment)

Earliest Premium Holiday From

37th month

Other Bonuses

Receive monthly power-up bonus of 0.1% p.a. based on the prevailing value of your Regular Premium Account, from the 5th year onwards until the end of the minimum investment period • Further boost your wealth with monthly loyalty bonus of 0.3% p.a. based on the prevailing value of the Regular Premium Account after the end of minimum investment period

Riders

N/A

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insurance, investment, plan, prospera, lifestyle,

Etiqa Invest Smart Flex

Policy Term Options

10/15/20

Earliest Premium Holiday From

61st Month

Other Bonuses

6th policy year onwards, you receive a 5% special bonus on the regular premium paid. Additionally, after the premium payment term ends, you get a 0.2% annual loyalty bonus on the account value.

Riders

Extra Secure Waiver II Extra Payer Waiver II

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insurance, investment, plan, prospera, lifestyle,

TM Wealth Future

Policy Term Options

10 years only (No fees after 10 years)

Earliest Premium Holiday From

121th month

Other Bonuses

N/A

Riders

Cancer Waiver Rider Early Critical Illness Premium Waiver Rider Waiver of Premium Rider Payer Benefit Rider, Spouse Rider Enhanced Payer Benefit, Enhanced Spouse Rider

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Endowment Plans

Endowment Plan is a type of life insurance policy that provides a lump-sum payment, known as the maturity benefit, at the end of the policy term or upon death.

Key Benefits:
1. Guaranteed Returns: Provides a guaranteed maturity benefit, regardless of market performance.
2. Disciplined Savings: Encourages disciplined savings over the policy term.
3. Tax Benefits: May provide tax benefits, depending on the jurisdiction and policy terms.
4. Flexibility: Allows you to customize your policy with riders and add-ons.

Why Consider an Endowment Plan?
1. Guaranteed Returns: Provides a guaranteed maturity benefit, regardless of market performance.
2. Disciplined Savings: Encourages disciplined savings over the policy term.
3. Tax Benefits: May provide tax benefits, depending on the jurisdiction and policy terms.

Partner's Products

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insurance, investment, plan, prospera, lifestyle,
insurance, investment, plan, prospera, lifestyle,

Top pick for:

yield and returns.

Plan Type:

Fixed Tenure or Whole of Life Endowment Plan

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insurance, investment, plan, prospera, lifestyle,

Top pick for:

shortest premium tenure

Plan Type:

Fixed Tenure Endowment Plan (Pay 2 Years, Maturity on 8th Year)

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insurance, investment, plan, prospera, lifestyle,

Top pick for:

flexibility

Plan Type:

Whole of Life Endowment Plan

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Top pick for:

N/A

Plan Type:

Fix Tenure Endowment plan

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