Life Plan
| i.PaySmart |
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With ING's i.PaySmart, you can choose to pay all of your premiums in as short as three years for whole-life protection. This comprehensive protection for your family provides you with a well-planned and splendid future.
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Five flexible policy term options - 3, 5, 10, 15 and 20 years - help you worry less about paying your whole-life premium payments while your protection lasts until age of 100. |
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Term protection that is equal to 30% of the sum insured, will be provided to you free of charge. This helps provide a higher level of protection for your family. |
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Different kinds of supplementary riders are available to fit your needs, covering your individual as well as family-based protections. |
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In case of an emergency, you can apply for a policy loan or withdraw dividends from your policy. This provides a source of back-up funds for unexpected needs in the future. |
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| i.368 |
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i. 368 offers you flexible savings for both short and mid-term investment. The high savings element allows you to make your own smart financial decisions.
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This plan emphasises the high savings element. |
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A cash coupon equalling 6% of the basic sum insured will be payable at the end of the 3rd year of your policy. Then a cash coupon of 8% of the basic sum insured will be payable at the end of every additional 3-year period until policy maturity. |
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3% of the sum insured will be added at the end of every 3-year period, and the total additional coverage is limited to 30% of the sum insured. |
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| i.15/20 |
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A whole life plan with long-term savings and high return, this is suitable for clients who want to have a stable return.
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It offers you a strong protection and savings plan |
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It is specially designed for someone who aims at gaining a high return for retirement or education fund |
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A cash coupon will be payable for every 5th policy year. A cash coupon equalling 15% of the basic sum insured will be payable at the end of the 5th year of your policy. Then a cash coupon of 20% of the basic sum insured will be payable at the end of every additional 5-year period until policy maturity. |
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30% of the basic sum insured will be added at the end of the 5th year of protection. |
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| i.15/20 (Special Edition) |
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This plan combines high savings and life protection in one and is specially designed for those aiming at gaining a high return for realizing their goal. With this plan, you will be able to focus on your goals and to accumulate savings for your future.
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5-Year Premium Payment Period for Whole Life Protection |
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A cash coupon will be payable for every 5th policy year. A cash coupon equaling 15% of the basic sum insured will be payable at the end of the 5th year of your policy. Then a cash coupon of 20% of the basic sum insured will be payable at the end of 10th, 15th, and 20th policy year respectively. |
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20 years free term protection, which worth 20% of the basic sum insured, will be given during the premium period at no extra cost. |
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| AeconoLife |
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AeconoLife is an excellent life protection and savings plan that helps you attain your goals while giving you peace of mind.
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For people aged between 1 and 70. |
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Protection offered to your 100th birthday. |
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It is a comprehensive insurance plan with life protection and a handsome savings return. This provides you with a substantial sum of money for the future. |
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The premium is in level payments. |
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A cash value will be available to meet your financial needs. In later years, this can be used for retirement purposes. |
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A policy loan is available for a maximum 85% of the current cash value. |
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Supplementary rider benefits can be attached to meet specific insurance needs. |
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| AeconoLife 20 |
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AeconoLife 20 offers all-in-one life protection and smart savings. It provides a substantial sum of money for you and your family.
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Simply pay the premium for 20 years, and then you can enjoy thorough and lifelong coverage. |
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Protection offered to your 100th birthday |
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It is a comprehensive insurance plan with life protection and a handsome savings return. This provides you with a substantial sum of money for the future. |
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The premium is in level payments. |
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A cash value will be available to meet your financial needs. In later years, this can be used for retirement purposes. |
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A policy loan is available for a maximum 85% of the current cash value. |
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Supplementary rider benefits can be attached to meet specific insurance needs. |
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| AeconoSmart |
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AeconoSmart is designed with a low premium and significant protection to enable you to meet your and your family's current and future goals.
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Offers high protection at a low premium. |
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It is a whole life insurance plan with dividends paid annually. You can choose to take out the dividends or accumulate them to boost the interest you earn. |
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Protection offered to 100th birthday. |
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The premium is in level payments. |
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A cash value will be available to meet your financial needs. |
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A policy loan is available for a maximum of 85% of the current cash value. |
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Supplementary rider benefits can be attached to meet specific insurance needs. |
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| i.MRT |
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i.MRT is a tailor-made mortgage-reducing term insurance offering a low premium and full protection.
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With the sum insured reduced yearly under this plan, clients do not need to adjust their protection amount frequently and they can pay a more favourable premium rate. This is especially suitable for home mortgages, thus releasing families from the burden of mortgage contributions. |
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Five policy term options - 10, 15, 20, 25 and 30 years -- are offered to allow clients to choose the most suitable protection period that corresponds to the duration of their mortgage. Furthermore, the plan lets clients choose from three pre-determined interest rates -- 6%, 8% or 10% -- that decide the reducing rate of their sum insured. |
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The premium is low and will not change throughout the policy term. Moreover, the premium for the last five years will be waived; so that, for example, clients choosing a 10-year term just need to pay five years of premiums, clients choosing a 15-year term just need to pay ten years of premiums.
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This plan also offers a free Advance Death Benefit free to the insurer. If the policyholder has less than 12 months to live, then the sum insured will be advanced, up to HK$1 million. Moreover, the premium due will be waived in cases of total disability, but if total permanent disability occurs, the sum insured will be advanced to the policyholder. |
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The above information is for reference only. For a complete explanation of the terms and conditions, please refer to the policy.
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