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.Retire |
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i.Retire offers three options for the premium payment period. The insured can choose to pay up to the age of 55, 60 or 65. This enables clients to pick a plan that best meets their personal retirement needs without worrying about having to pay a premium after their selected retirement age.
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The premium is a level payment and payable for life or until prior death. |
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The premium remains level throughout the payment period and the insured can choose to pay monthly, semi-annually or annually. The earlier the plan begins, the lower the premium. |
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i.Retire specially offers an annuity option in which the insured can choose to take out a fixed monthly retirement income until death, based on the total cash value deposited with the Company after the premium payment period ends (the policy will stop once the annuity option is exercised), rather than paying out the retirement savings in one lump sum.
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Two different kinds of annuity are offered: life income with 10 years of guaranteed payment; or life annuity. The former offers a monthly annuity payment to the insured until his or her death, with a guaranteed 10 years worth of payments. Under this annuity, if the insured dies within the 10-year guaranteed period, the remaining monthly annuity will be paid to the beneficiary. In the latter plan, payment is only offered until death (with no minimum guaranteed). |
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Along with the guaranteed savings, during the premium payment period clients are offered additional peace of mind, with free term protection worth 30% of the basic sum insured provided on top of their existing coverage. This special value-added feature can help ease the burden of protecting one's family.
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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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