Brilliant Saver 2 Protection Plan - Savings Plan | Tahoe Life Insurance Company Limited

When the policy matures (i.e. on the fifth policy anniversary date), the Plan will provide you with a guaranteed maturity benefit¹ of up to 113.54%² (for policy which is issued in USD) or 111.66%² (for policy which is issued in HKD) of the total premium paid, which is equivalent to a guaranteed return rate of up to 2.86% p.a.² (for policy which is issued in USD) or 2.48% p.a.² (for policy which is issued in HKD). It helps you accumulate wealth easier and achieve your savings target within an expected timeframe.

The premium payment term of the Plan is just two years, while the benefit term is five years. The premium is guaranteed to remain unchanged once it is determined and will not be increased with your age, facilitating better financial planning for your future.

You can choose to prepay your second year premium at the time of policy application to help you save on premium. The prepaid premium will be accumulated at a guaranteed interest rate of 3.90% p.a. (for policy which is issued in USD) or 3.30% p.a. (for policy which is issued in HKD). The guaranteed interest will only be used for the settlement of the second year premium. Thus, you are only required to pay the net premium after deducting the guaranteed interest.

The Plan provides savings returns as well as life insurance, offering additional protection for you and your loved ones. In the unfortunate event of the death of the insured, the designated beneficiary will receive a death benefit which is equivalent to 105% of the total premium due and paid or guaranteed cash value (whichever is higher), less any indebtedness of the policy.

The Plan provides an additional accidental death benefit. Its coverage is equivalent to 100% of the total premium due and paid, up to USD 125,000 or HKD 1,000,000 (per insured), providing added protection to you and your loved ones.

Simple application procedure with no health declaration and medical underwriting are required. You could instantly kick start your savings plan after the simplified approval process is completed.