Product features

Maturity benefit
100% policy account value
Death/Total and Permanent Disabilities (TPD) benefits for the insured (child)
Max (sum assured, target premium account) + excess premium account
Death/Total and Permanent Disabilities (TPD) benefits for the Policy owner (parents)
100% Sum Assured
Critical Illness Benefit
Waive the basic premium for the whole policy in case the Policy owner (Father or Mother) is at risk, with a free premium period up to 30 years.
Other Benefits
Loyalty Bonus:
- 100% of one annualized target premium on the 10th Policy anniversary date
- 75% of one annualized target premium and shall be payable on the 15th Policy anniversary date and every 5 years thereafter.

Investment Benefit:
Earn actual interest rate based on perfomance of the Universal Life fund but not less than guaranteed interest during policy term.

Retention bonus
4% of average preceding 60-month Policy Account value starting from 20th anniversary date and every 5 years thereafter.

Guaranteed Insurability Option:
The Policy Owner has the right to increase sum assured without underwriting within 90 days from the date of one of following events:
- Life assured getting marriage;
- Life assured having a baby or adopting a child;
- Life assured’s child joining school including primary school, secondary school, or high school, or university.

Eligibility

Premium term
Same as policy term
Suggested payment term: at least 10 years or until the child turns 18 years old
Policy term
99 - insured age
Entry age
Insured (Children): 30 days old - 12 years old
Policy owner (parents): 18 - 65 years old