SAVING PLAN

LIONTYCOON: Wealth protection and accumulation​

The Plan offers one of the highest projected return in the market. Secure and boost your wealth with Guaranteed Cash Value, Terminal Dividend, and Benefit Accumulation Account.

  • High projected return in the market

The plan provides long-term return and projected breakeven by the end of the 10th policy year. After the premium payment term, the total cash value doubles up every 10 years* in average. The total internal rate of return (IRR) can be over 7%.

  • Guaranteed Cash Value & Terminal Dividend

A guaranteed amount of cash value will help secure your wealth while Terminal Dividend will help you capture potential growth of wealth.

  • Benefit Accumulation Account

Knowing you may want more certainty as you progress through life, you can allocate the Terminal Dividend and/or partial surrender amount to the Benefit Accumulation Account to enjoy 4% non-guaranteed interest rate.

●Flexible access to your wealth for realizing your financial goals

Great flexibility for managing your savings and cash flow to suit your personal needs through Terminal Dividend Lock-in Options and Various Cash Withdrawal Options.

  • Flexibility to lock-in Terminal Dividend for securing market upside

To control over your projected returns from Terminal Dividend, you may opt to lock-in the Terminal Dividend. After locked-in, you may leave the Terminal Dividend in the Benefit Accumulation Account for accumulating non-guaranteed interest or cash it out whenever you need.

  • Various Premium Payment Term and Cash Withdrawal Options

The Plan offers flexibility in premium payment term that range of 3, 5, 8, 10 years to suit your individual needs. You may partially surrender the Plan automatically on annual interval or manually, and cash out the amount or to accumulate it in the Benefit Accumulation Account for earning non-guaranteed interest. Savings in the Benefit Accumulation 

● Investment Strategy

The investment strategy behind our latest premium long-term participating savings and life plan, LionTycoon, is a truly bespoke plan that aims to deliver superior returns, with global coverage spanning across Americas, Europe, Asia Pacific and Emerging Markets.

  • Our asset allocation approach allows us to dynamically configure asset class mix in the portfolio – the non-guaranteed bonus will greatly benefit from the non-fixed income asset exposure, which will gradually increase from 40% at inception to 80% over the years of the policy.

    In addition, Generali has appointed expert global independent investment manager, Invesco Ltd, to oversee LionTycoon’s US dollar denominated portfolio.

    Drawing on our investment manager’s experiences in the field and their extensive Capital Market Assumptions that cover more than 140 asset classes globally, this multi-asset portfolio will be crafted with well diversified exposure to quality issuers around the world, ranging from Equities, REITs to Fixed Income.

    Invesco is an independent investment management firm and one of S&P 500’s constituent stocks. With access to worldwide network of investment professionals with diversified expertise in investment style and asset classes, Invesco manages over US$ 1 trillion of assets around the globe, and operates in over 25 countries. Together with Invesco, Generali intends to becoming life-long partner for our policy holders.

● Support you against financial difficulties

With the extended benefits of Accidental Death Benefit, Extended Grace Period Option and Premium Holiday Option, you will always be supported under different unexpected circumstances, allowing you and your loved ones to sit back and enjoy life at ease.

  • Accidental Death Benefit

Up to 200% of Total Premiums Paid for accidental death benefit, helping your loved ones overcome the sudden hardship.

  • Extended Grace Period Option

In case of any urgencies related to financial difficulties, you may apply to extend the grace period of the premium payment from 30 days to 180 days for settling your pressing financial needs, without worrying about losing protection from your Plan.

  • Premium Holiday Option

Press a pause button and stop paying the premium for up to 2 years, providing you flexibility in financial planning. During the premium holiday, you will still be protected under the plan and all cash value will remain the same as the date before the premium holiday.

● Legacy planning for your loved ones

Pass your wealth and protection to your next generations infinitely and hassle free

  • Pass on the Plan through generations

The maximum issue age is 75, and the Legacy Planning Option allows you to pass your wealth and protection to your next generations infinitely and hassle free. Upon exercising this option, the coverage period will be adjusted to age 138 of the New Insured and the policy values will continue to grow over time.

  • Death Benefit

If you unfortunately pass away during the Benefit Term, the Plan will provide your loved ones a Death Benefit. You may choose how the Death Benefit will be paid to your loved ones according to the Death Benefit Option you choose, be it a lump sum payment, gradually through monthly instalment payment or partial payment to earn guaranteed interest for your loved ones.

To protect your health and wealth, also secure your family and loved one.