Your life is filled with many successes, and perhaps your next milestone would be to leave a successful legacy for your loved ones. What you've built should last through the generations. Enhance your legacy with Heirloom (VI), a universal life insurance plan denominated in US dollars. It offers the benefits of high insurance coverage and cash value accumulation.
Distribute your wealth according to your wishes
Helps you to divide your estate equally
Spread out your investment
Protect your most valuable employees
Loyalty bonus1 at 0.25% per year
Capped Premium Rates
Cost of insurance charges capped at 110% of current rates
Flexible premium payments2 and partial withdrawals3
Quit Smoking Incentive
Enjoy non-smoker premium rates when you quit smoking.4
Important Notes & Footnotes
- Enjoy an additional guaranteed loyalty bonus of 0.20% p.a. from policy year 11 to 20, and 0.25% p.a. from policy year 21 until immediately before the policy anniversary after the Life Insured's 100th birthday.
- You may pay premiums of any amount at any time before age 100, within the maximum limits we set. If you have enough cash value in the policy, you may skip a premium payment or stop paying entirely. You may need to pay extra premiums if the actual interest we pay you is lower than shown, if you take a loan, if you make a withdrawal or the actual charges are higher. The actual amount and frequency of premium payments will affect the policy value and potentially the death benefit as well as how long the policy is kept in force.
- On the condition that the withdrawals made from 11th policy anniversary onwards and the total withdrawal amount in a particular policy year does not exceed 5% of the policy value at the previous anniversary after monthly deductions.
- Applicable to standard or preferred smoker, without any additional ratings. This quit-smoking incentive allows you to benefit from standard non-smoker policy charges for the first three policy years. If, by the end of policy year 3, you give satisfactory medical evidence that you have quit smoking for at least 12 months in a row, we will reclassify your policy and use the standard non-smoker rates from then on.
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You want stability in your legacy plan. We’ll give you more. Your trusted partner to grow and preserve your legacy.
- One-time payment for a lifetime coverage on death and terminal illness
- Choice of your preferred currency Singapore Dollars or U.S. Dollars
- Guaranteed cash value of at least 80% of your single premium from Day 1