Premier Life Insurance Plan

Premier Life Insurance Plan

- High-end life protection

- Great arrangements that meet your needs

- Efficient transfer of legacy

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Amassing enormous wealth and remarkable achievements, you also value the quality of life of your next generations, hoping to create a more prosperous future for them. Tahoe Life understands that it is important for you to transfer your legacy. Tahoe Life’s Premier Life Insurance Plan (the “Plan”) is meticulously designed from the perspective of high-net-worth individuals to not only allow you to allocate your wealth entirely as you wish, but also pass your assets to your future generations, providing security of life protection for your beloved family members.

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Features

High-end life protection up to 118% of the sum assured

In the unfortunate event of the death of the insured before the 20th policy anniversary date or age 75 of the insured, whichever is later, the Plan provides a guaranteed death benefit that is equivalent to 118% of the sum assured, accumulated annual dividends1 and interest (if any) and terminal dividend1 (if any), securing a prosperous future for your beloved family members.  

If the insured passes away

Guaranteed death benefit

(percentage of the sum assured)

Before the 20th policy anniversary date or age 75, whichever is later

118%

After the period specified above

100%

For example, if the insured is aged 35 when the policy is purchased, the insured enjoys the death benefit equals to 118% of the sum assured before the age of 75; or if the insured is aged 60 when the policy is purchased, the insured enjoys the death benefit of 118% of the sum assured before the age of 80.

Policy dividends to accelerate growth potential

The Plan will pay out annual dividends on its policy anniversary date to help grow your wealth. You may choose to leave the annual dividends in the policy to earn interest, or to receive them in cash, or apply them towards future premium payments to help realise your life goals.

 

If the Plan has been effective for ten years, it will also bring you additional returns by providing a terminal dividend upon the surrender of the policy, the maturity of the policy, the death of the insured or the payout of the terminal illness benefit. Both the annual dividends and terminal dividend are not guaranteed.

Terminal illness benefit2 to cope with anything unexpected

If the insured is unfortunately diagnosed with a terminal illness, the Plan will advance the death benefit as the terminal illness benefit, in order to provide additional cash to the insured for more appropriate arrangements.

Great arrangements that meet your needs

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Efficient transfer of legacy

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Call (852) 3767 9188 or

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Premier Life Insurance Plan

More Support

Product Brochure
About Policy Dividends & Investment Policy
  1. The Plan is a participating policy. Annual dividends and terminal dividend are not guaranteed, subject to change and will be determined by Tahoe Life from time to time. For details of the non-guaranteed benefits, please refer to the below section on “Non-guaranteed benefits”. Annual dividends will only be payable when the policy is effective and there are no overdue premiums. The accumulation interest rate for annual dividends accumulation is not guaranteed, subject to change and will be determined by Tahoe Life from time to time. For details of the policy dividends, please refer to the below section on “About Policy Dividends” or visit Tahoe Life’s website, https://www.tahoelife.com.hk/tl/doc/pd_en.pdf.
  2. If the sum assured is equal to or lower than USD2,000,000 (per insured), the policy will be terminated upon the terminal illness benefit becomes payable. If the sum assured is greater than USD2,000,000 (per insured), the terminal illness benefit will be based on USD2,000,000 to calculate the advanced death benefit and the terminal dividend (if any). Subsequently the sum assured of the policy will be reduced by USD2,000,000. For example, if the sum assured is USD3,000,000, the terminal illness benefit will be based on USD2,000,000 to calculate the advanced death benefit and the terminal dividend (if any). After the terminal illness benefit becomes payable, the sum assured of the policy will be reduced to USD1,000,000 and the premium payable in the future will be waived. For details please refer to the policy contract. The calculation of the terminal illness benefit is according to the following table:
    TL1903-HNWLimitedPay WholeLife_NB_EN_table
  3. The premium must be paid by annual payment. The application of prepayment of renewal premium ("prepaid premium") can only be valid when the prepaid premium and levy on prepaid premium are fully paid at the time of policy application together with the filled application form and signed illustration of premium prepayment option. The prepaid premium and levy on prepaid premium will only be used for the settlement of renewal premium and levy on renewal premium due. Prior to the settlement of renewal premium due, the prepaid premium will be kept in a designated account of the policy but will not form part of the paid premium until renewal premium is payable. The accumulation interest rate for prepaid premium and levy of prepaid premium is not guaranteed, subject to change and will be determined by Tahoe Life from time to time. The prepaid premium and levy on prepaid premium will not form part of the guaranteed cash value or any benefit under the policy and will not be attributed to the calculation of death benefit. If the insured passed away before the end of the premium payment term, the remaining balance of prepaid premium and levy on prepaid premium shall be returned to the policyowner or his / her estate. Upon policy surrender or full withdrawal of the balance of the prepaid premium and levy on prepaid premium before the end of the premium payment term, the surrender benefit or amount being withdrawn shall be returned to the policyowner, and any interest on the balance of the prepaid premium and levy on prepaid premium of that policy year will be forfeited. Only full withdrawal of the balance of the prepaid premium and levy on prepaid premium will be accepted by Tahoe Life.
  4. The three risk classes are Standard, Preferred and Select. The risk classes must fulfill relevant medical underwriting requirements.
  5. The non-medical limit is subject to the prevailing underwriting guideline and approval result.
  6. If the death benefit amount is greater than or equal to USD125,000, you can choose to settle death benefit by monthly instalment with fixed amount to the designated beneficiary. The monthly instalment amount is determined by a percentage of the death benefit while the minimum total monthly amount is 1% of the death benefit. If the beneficiary passes away during the monthly instalment period, Tahoe Life shall, upon receipt and approval of due proof of death in the form specified by us, pay the balance of the death benefit and its accumulated interest (if any) to the estate of the beneficiary in a lump-sum payment. The monthly instalment amount must not be less than the minimum amount, which is determined in the sole discretion of Tahoe Life from time to time without prior notice. If there is more than one beneficiary, you must choose the same death benefit settlement option for all beneficiaries, failing of which, we will pay the death benefit in lump-sum to all beneficiaries. The unpaid balance of the death benefit will be accumulated at a non-guaranteed interest rate, which is subject to change and will be determined by Tahoe Life from time to time. Please refer to the relevant policy contract for the details of the policy terms including the death benefit settlement option.
  7. Any application for the nomination of a contingent owner must fulfil the relevant rules and procedures as determined by Tahoe Life from time to time. Upon the death of the policyowner, the transfer of the ownership shall be approved and become effective after Tahoe Life's receipt of satisfactory proof of the policyowner's death and any documents as requested in accordance with the following requirements: i) if a contingent owner of the policy is nominated, the contingent owner will become the new owner of the policy provided that the contingent owner and the insured are alive during the approval of the contingent owner as the new owner of the policy; or ii) if there is no contingent owner nominated or the contingent owner is unable or unwilling to take the ownership of the policy for whatever reason, the policy shall form part of the policyowner's estate. Tahoe Life reserves the right not to accept any application of nomination of contingent owner and not to approve the contingent owner as the new owner of the policy.