Saving InsuraNce
WealthUltra Saving Plan
Boost your wealth with long-term total returns. Wealth Ultra Saving Plan; Doubling projected total cash value every 10 years for wealth accumulation.
Doubling projected total cash value every 10 years for wealth accumulation
“Wealth Ultra” is a participating life insurance plan with an 8-year pre-set premium payment term. Apart from guaranteed cash value, “Wealth Ultra” offers two types of non-guaranteed bonuses, the reversionary bonus and terminal bonus. Upon completion of the pre-set premium payment term, total cash value is projected to be doubled every 10 years on average. Starting from the 100th policy year, the total internal rate of return for each policy year would exceed 7%, offering promising growth potential for customers and their future generations.
Unique flexi premium option provides flexibility in financial planning
AXA realises that a customer’s priorities may change in the face of economic uncertainty and therefore a Flexi Premium option has been deliberately added to the plan. Customers may exercise this feature to halt future premium payments of the basic plan to ease their financial burden and allow them to allocate their resources for more urgent priorities. The policy value will continue to roll over in proportion based on the premium paid. Regardless of the length of premium payment, on average the total cash value will be projected to double every 10 years after the pre-set premium payment term.
No aggregate limit for bonus lock-in rate to best capture market returns
“Wealth Ultra” offers a Bonus Lock-in option which allows customers to lock-in their declared reversionary bonus and terminal bonus without surrendering the policy. Customers can exercise the bonus lock-in right to transfer chosen percentage of the dual bonuses’ latest cash value to their bonus lock-in account in order to avoid potential change of dividend posed by market fluctuations in the future while continuing to earn interest. Customers have the flexibility to withdraw part or all of the value from the account anytime according to their own needs. “Wealth Ultra” is also the first savings plan in Hong Kong with no life-time aggregate limit for the lock-in rate, so customers can pass on the policy to future generations without worrying about exhausting the lock-in rate.
Flexi continuation option and unlimited policy insured change enable wealth pass on to future generations
As a comprehensive savings plan, the unique flexi continuation option of “Wealth Ultra” ensures the client’s wealth will be passed on, while at the same time offers life protection. Policy owners can designate a contingent insured and assign a percentage of the policy value. In the unfortunate event of the insured’s death, the designated contingent insured will become the new insured, and the pre-assigned portion of the policy value will be passed on accordingly. A compassionate benefit will be payable to the designated beneficiaries for immediate financial support, relieving loved ones from short-term financial pressure. “Wealth Ultra” also allows unlimited changing of the insured of the policy. The benefit period will be changed to age 138 of the latest insured, to enable the wealth to be shared with the future generations.
To protect your health and wealth, also secure your family and loved one.