Full Control with FLEXI-ULife

The world is always changing... your standard of living and your financial status, as well as your financial goals, all keep changing from time to time. So why is it that the traditional whole life insurance plan remains carved in stone, denying you the freedom to make changes?

The FLEXI-ULife Insurance Plan is a universal life insurance plan that keeps pace with you. Doing away with the limitations imposed by traditional whole life insurance, FLEXI-ULife offers you a tailor-made plan with more flexibility and even better choices to meet your ever-changing needs.

Your Flexible Tailor-made Plan

FLEXI-ULife challenges the rigid limitations of traditional life insurance by offering you a high degree of flexibility. The sum insured, premium amount, and even payment periods can be adjusted at any time so as to accommodate changes in your circumstances.

Flexible Coverage

Breaking the fixed-sum-insured rule of traditional life insurance, you can now simply adjust the original FLEXI-ULife policy to increase your coverage without applying for a new policy, thus saving additional policy fee. Most importantly, the premium rate for any new coverage will be based on your age when your policy was first issued instead of your current age, thus saving additional premiums. And, if necessary, you can reduce the sum insured as you wish.

Exclusive Premium Flexibility

Unlike traditional plan with fixed premium and payment period terms, FLEXI-ULife allows you reduce the premium amount or even skip payments to cope with any financial emergencies, without any loan interest required, provided that your policy has accumulated a cash value. Most importantly, you still enjoy 100% protection. And, of course, you can at any time put in extra premiums for savings and for extra interest.

More Protection Options

FLEXI-ULife provides you with three life protection options: Level Benefit, Increasing Benefit and Incremental Benefit, to match both your protection and savings needs. Most importantly, you can switch the benefit option to better suit your circumstances at different points in time.

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Faster Growth with Higher Returns

Combining protection and savings, FLEXI-ULife helps your savings grow with a relatively higher return rate than most bank deposits and even endowment plans. These higher returns and the faster growth help you achieve your savings goals much faster.

Extra Bonus at Compound Rates

Unlike traditional plans that credit dividends once a year, FLEXI-ULife credits interest monthly at a compound rate that helps your savings grow much faster. In addition, you will be offered "Extra Interest Bonus" at a pre-defined schedule to help you stretch your dollars as never before.

Guaranteed Interest Rate

To give you further security, FLEXI-ULife offers you a guaranteed interest rate. The policy value is accumulated at an average interest rate of not less than 4% annually.²

Cash Withdrawal to Cover Emergencies

FLEXI-ULife allows you to withdraw cash from the cash value of the policy at any time to cope with emergencies. Most importantly, without the rigid limitations of traditional life insurance, you can withdraw cash from accumulated cash value in the plan without the needs to reduce sum insured and to pay interest.

Unemployment Protection

In extending its coverage, FLEXI-ULife offers valuable "Unemployment Protection". Should the policyowner be made redundant, there is an option which allows suspension of premium payments for 12 months. During this entire period, you will remain fully covered by the insurance.