Savings Plan
| Basic Plus Series |
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A comfortable t-shirt may be simple, but it is something that we cannot do without. Just like
ING Basic+, which gives you the opportunity to earn attractive interest returns while acquiring comprehensive life protection – satisfy two of your basic needs in one stroke and allowing you to enjoy more flexibility.
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Flexible Protection and Premium Paid/Withdrawal to Suit Your Needs |
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Two different types of coverage – Increasing Benefit (sum insured plus account value) or Level Benefit (sum insured or account value, whichever is higher).
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Premium Holiday to suspend premium and to resume it when necessary. |
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Flexibility to withdraw accumulated account value to meet personal needs.
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Variable Premium Payment Options for Extra Flexibility |
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Include Basic Premium, Regular Contribution and Booster Contribution, allowing you to choose the premium amount as desired. |
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Protect Your Savings Against Inflation with Higher Potential Interest |
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The average interest rate of similar plans over the past 10 years was over 6% . |
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A guaranteed bonus up to 4% of the averaged account balance, to be deposited into the policy account on the 10th anniversary of the policy and every 5th anniversary thereafter.
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With Protection until the age of 100, Whatever Your Goals, It Just Fits |
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A plan that can suit your needs - saving to get married, saving for your children's education or saving for retirement, etc |
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Comprehensive protection until the age of 100 |
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Basic Plus also offers a junior version "Basic Plus Junior", which is specially designed for your beloved children, taking care of their education planning and other needs in future. Please click here for the product leaflet.
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| 1 Past performance is not an indicator to future interest rates and the rate may go down as well as up. |
| 2 The actual percentage of Guaranteed Bonus subjects to Plan type. |
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| IncomePlus - Sow Regularly Today, Reap Fruitfully Tomorrow |
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ING understands your needs and offers IncomePlus as your saving alternative through flexible contribution to earn a guaranteed return. You can now stay organised financially and manage your future with regular monthly income or a lump sum.
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| Guaranteed Special Bonus brings a hefty return |
| With IncomePlus, you will be given extra in form of a Guaranteed Special Bonus at the end of the Accumulation Period. |
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| Flexible arrangement helps you plan ahead |
| To fit your needs, flexible premium payment periods of 3, 6 or 10 years will be offered. You can also choose to receive your monthly income for 10 or 20 years after the Accumulation period. What's more, you can save the monthly income in your policy for additional interests and withdraw it in one go at the end of the income period.
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| Additional cushion brings peace of mind |
| Besides basic life coverage, a Free Accidental Death Benefit with a maximum of US$12,500/HK$100,000 will be given in the first 5 policy years. |
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| Guaranteed approval safeguards the future |
| If the Guaranteed Monthly Income insured does not exceed the maximum guaranteed issue limit, your policy approval is guaranteed.
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| Flexibility in terms of adversity |
You may apply for a Policy Holiday for a maximum of 30 months, if the policy has been in force for more than 2 years.
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| 1 Please refer to the Benefits Provisions of the Policy Contract for the circumstances under which Accidental Death Benefit is not eligible. |
| 2 The maximum guaranteed issue limit (per life limit) for 10-year and 20-year Income Period are HK$40,000 and HK$20,000 respectively. |
| 3 Accidental Death Benefit and all supplementary benefits will be terminated during the period of the policy holiday. |
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| i.ULife |
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i.ULife incorporates both flexible
savings and life protection under one single policy. This planis an
effective means to increase your capital, as well as to acquire
comprehensive life protection.
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More flexible than the traditional
plan - incorporates both flexible savings and life protection under one
single policy and possess a higher flexibility in premium paid and
withdrawals than traditional life insurance.You can also enjoy the
flexibility in choosing between two different types of coverage:
increasing benefit (sum insured plus account value) or level benefit
(sum insured or account value, whichever is higher). |
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Escalating growth in interest - the
value of the plan will grow with the interest distributed each year by
the Company (the average interest rate of similar plans for the past ten
years was over 6%, which demonstrates a splendid performance *). Once
all administrative charges are deducted,
the premium received will be deposited into your policy account and
credited for interest. |
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Flexibility on premium payment - you
can adjust the premium amount as desired,
i.e. it is entirely up to you whether you pay more or less; or you can
choose to enjoy a premium holiday (to temporarily suspend paying your
premium when suffering from economic hardship). |
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Deposit or withdraw cash anytime you
like - you can deposit extra premiums to earn interest, or withdraw
your accumulated account value at anytime you desire in order to meet
your personal needs. |
* Past performance is not
necessarily a guide to the future interest rate and the rate may go down
as well as up.
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Administrative charges include management
charges, cost of insurance and policy fee. |
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Subject to the minimum amount of Target
Premium |
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Handling charges for withdrawal will
apply if the withdrawal occurs within 5 years from the
premium deposit date. (Handling charge is 5% of the
withdrawal amount within one year from the premium deposit
date and decreases by 1% each year.) |
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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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