Risk Disclosure Statements:
- This is an insurance policy issued by ING Life Insurance Company (Bermuda) Limited
("ING Life"). Your investments are subject to the credit risk of ING Life.
- You are not investing in the underlying investments of the investment choices and you do not have any rights or ownership over these underlying investments.
- Your return on investment is calculated with reference to the fluctuation of the performance of the underlying investments. Each of these underlying investments has its own investment objectives and associated risks.
- Early surrender or withdrawal may result in a significant lost of principal and bonuses.
- You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
- You should not invest based on this document alone and should read the Principal Brochure and the offering documents of underlying funds for details which will be made available to you.
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Investment involves risks. Past performance should not be taken as an indication of future performance.
Issued by
ING Life Insurance Company (Bermuda) Limited
Investment Linked
| i.Wealth Regular Investment Savings Plan |
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i.Wealth is one single plan that can help accomplish your personal goals.
Your personal goals, such as holidays overseas, buying a new house, getting married, sending children to universities and perhaps taking early retirement, are likely to change all the time as you pass through different stages of life. i.Wealth is an investment-linked insurance plan which is specially customised for you to meet these changing needs throughout your lifetime.
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Start your investment savings with as little as US$ 150 per month |
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Your choice of premium terms allows you to meet your personal needs |
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No subscription charge means all your savings are working for you right from the start |
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A wide range of well-known funds helps you take every chance to boost your capital return |
Your choice of premium terms
Premium terms of 5, 10, 15, 20 or 25 years are at your own choice, and your regular savings can be made monthly, half-yearly or yearly to meet your personal needs.
Your choice of funds
A wide range of selected funds, all managed by professional fund managers, is available for investment. For fund information, please refer to the Fund Options Summary, the corresponding appendix and the prospectuses of the underlying funds that are made available by ING.
Special Bonus boosts you savings
A Special Bonus will be credited to your policy at the end of the first policy year. The amount of bonus depends on the premium term and the amount of annual premium according to the following formula and bonus rate table.
Amount of Bonus = Bonus Rate x Annual Premium
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| Annual Premium (US$) |
Bonus Rate by Premium Term |
| 5 |
10 |
15 |
20 |
25 |
| 1,800 - less than 3,000 |
1.2% |
2.5% |
4.5% |
10.0% |
12.0% |
| 3,000 - less than 6,000 |
2.0% |
4.0% |
8.5% |
14.5% |
18.0% |
| 6,000 - less than 12,000 |
4.0% |
8.0% |
15.5% |
25.5% |
32.0% |
| 12,000 - less than 20,000 |
5.0% |
10.0% |
21.5% |
35.0% |
44.0% |
| 20,000 or above |
6.0% |
12.0% |
24.0% |
40.0% |
50.0% |
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The Special Bonus will be used to buy additional investment units and credited to the Initial Contribution Account according to your fund selection and allocation instructions in effect at the time.
Loyalty Bonus for long term commitment
A Loyalty Bonus, which equals the total policy fee being deducted throughout the premium term, will be credited to your policy at the end of the premium term.
The Loyalty Bonus will be used to buy additional investment units and credited to the Accumulation Contribution Account according to your fund selection and allocation instructions in effect at the time.
Life Protection up to age 100
While the policy is in force, the life coverage will be equal to 101% of the total Account Value of this plan. In addition to the above life coverage, an extra 10% of the Account Value, subject to a maximum of US$12,500, will be payable as accidental death benefit in the event of accidental death of the life insured during the first five policy years.
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| 1 |
The plan is an investment-linked assurance scheme under Class C linked long-term business as defined in Part 2 of Schedule 1 to the Insurance Companies Ordinance. |
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For premium term of 5-year, the minimum monthly premium is US$200. For other premium terms, the minimum monthly premium is US$150. |
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For details of the fees and charges, please refer to the section of Summary of Charges in Principal Brochure. |
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The Company reserves the right to revise the Loyalty Bonus by serving three months' prior written notice to the policy owner or such shorter period as agreed or accepted by the Securities and Futures Commission. |
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For death within the first two years from inception of the policy, life coverage will be reduced by any bonus previously paid. |
| 6 |
Please refer to the Benefits Provisions of the Policy Contract for the circumstances under which accidental death benefit will not be payable. |
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Download Brochure
Download Fund Series Summary |
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| i.KnowU |
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i.KnowU is specially designed for those who care most about their family and their personal financial plans. This is an investment-linked insurance plan that allows you to enjoy conveniently and efficiently both life coverage (up to age 100) and fund management in one single plan. You can select your funds according to your own investment needs, or allocate wealth and life elements based on your personal needs.
In addition, i.KnowU further provides you two choices of plans: an ordinary version with higher level of protection and a Diamond Version which provides you higher savings potential with additional premium refund, so that you can manage your financial planning in a more efficient way.
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Your Choice of Life Protection
You can choose either Increasing Benefit (Life Coverage equals Sum Insured plus Account Value) or Level Benefit (Life Coverage equals Account Value or Sum Insured, whichever is higher). |
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Your Choice of Savings
To boost your savings amount and to fit your personal needs, you may contribute an additional investment amount, or choose the Diamond Version of i.KnowU.
Your Choice of Premium |
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Your Choice of Premium
You can set an additional Regular Investment Premium amount and/or deposit an additional Booster Investment Premium to boost your investment. |
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Double Scores for Building up your Wealth
| 1. |
Monthly Investment Bonus - Starting from the beginning of the 6th policy year, we will credit a Monthly Investment Bonus which is a specified percentage of your Account Value to your policy. |
| 2. |
Refund of First Year Basic Premium (Specially for Diamond Version) - Starting from the 11th anniversary date to the 15th anniversary date of your policy, you will receive a premium refund, equivalent to 20% of the first year Basic Premium each year. |
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| 1 |
With same Basic Premium, the ordinary version provides higher Sum Insured than Diamond Version. |
| 2 |
The Sum Insured is reduced by all withdrawals made in the 12 months preceding the date of death. |
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The current minimum annual Target Premium, annual Regular Investment Premium and Booster Investment Premium are US$1,200, US$450 and US$1,250 respectively. |
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Account Value is the number of units multiplied by the unit price of the respective funds in your policy account. |
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Download Brochure
Download Fund Series Summary |
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| i.KnowU (One-off Premium) |
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i.KnowU is specially designed for those who care most about their family and their personal financial plans. This is an investment-linked insurance plan that allows you to enjoy conveniently and efficiently both life coverage (up to age 100) and fund management in one single plan. You can select your funds according to your own investment needs, or allocate wealth and life elements based on your personal needs.
In addition, i.KnowU further provides you two choices of plans: an ordinary version with higher level of protection1 and a Diamond Version which provides you higher savings potential with additional premium refund, so that you can manage your financial planning in a more efficient way.
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One-off premium investment-linked insurance plan |
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Available to any persons ranging from age 1 to 75 (age at next birthday) |
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Simply begin your investment with as low as US$6,000 |
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100% premium will be invested in funds without any subscription charge incurred |
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Monthly Investment Bonus to boost up your wealth |
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No underwriting is required |
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| 1 |
For details of the fees and charges, please refer to the section of Summary of Charges in Principal Brochure. |
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Normal medical underwriting is required for extra life coverage. |
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Download Brochure
Download Fund Series Summary |
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| i.BestFund Insurance Rider |
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Different from traditional investment linked products, i.BestFund is a fund insurance rider that is attached to a basic policy, enabling clients to enjoy dual benefits of life protection from the basic policy and investment opportunity from this rider in one policy. You can determine your own contribution according to your budget and investment goal. Simply contribute a fixed amount regularly or invest an additional lump sum amount as booster investment premium if you see a good investment opportunity and earn the best possible return.
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Monthly investment amount as low as HK$1,000 |
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Monthly investment amount for each fund as low as HK$200 |
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Simple and transparent charges, with all your investment premium invested in your designated funds after deducting subscription charges. |
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A range of premier funds selected for you |
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| 1 |
This rider has to be attached to a basic policy. For details of the basic policy, please refer to the corresponding illustration and provision. The basic policy to which this rider is attached is not authorized by the Securities and Futures Commission. |
| 2 |
The charges referred herein are related to charges for this rider and are in addition to the charges of the basic policy to which this rider is attached. Charges for the basic policy are implicitly allowed for within the premium for the basic policy.
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Download Brochure
Download Fund Series Summary |
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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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| 1 |
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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