• Well Protect Whole Life Insurance Plan

    Enjoy worry free protection for you and your loved ones throughout all life stages with Well Protect Whole Life Insurance Plan ('the Plan'). Savour your well-earned peace of mind regardless of life-changing events with the Plan, which provides coverage up to age 100, while offering an accumulated return with a competitive premium.

    Promotion
    Customer can enjoy additional 50% life coverage and simplified underwriting for successful application of Well Protect Whole Life Insurance Plan during promotion period.
    Life Insurance Coverage to Age 100

    The Plan provides life insurance coverage for the Life Insured up to the age of 100. Should the Life Insured pass away unfortunately while the Plan is in force, the beneficiary(ies) shall receive a Death Benefit that equals to 100% of the Sum Insured plus any non-guaranteed accumulated Annual Dividend with interest and a non-guaranteed Terminal Dividend, less any indebtedness, if any, under the policy.

    The Plan provides life insurance coverage for the Life Insured up to the age of 100. Should the Life Insured pass away unfortunately while the Plan is in force, the beneficiary(ies) shall receive a Death Benefit that equals to 100% of the Sum Insured plus any non-guaranteed accumulated Annual Dividend with interest and a non-guaranteed Terminal Dividend, less any indebtedness, if any, under the policy.

    Accumulating Wealth for Life-long Protection

    The Plan offers guaranteed cash value, non-guaranteed Annual Dividends and non-guaranteed Terminal Dividend (if any). This allows you to accumulate wealth and provides life-long comprehensive protection to you and your loved-ones.

    • Annual Dividends (if any) are non-guaranteed dividends to be distributed annually from the 2nd policy anniversary date. You may choose to leave the Annual Dividends (if any) with us for accumulation to earn interest at a non-guaranteed interest rate as may be determined by the Company from time to time.
    • Terminal Dividend (if any) is a non-guaranteed dividend to be payable once on or after the 5th policy anniversary upon the first occurrence of any of the following events:
    1. Early surrender of the policy; or
    2. Policy maturity; or
    3. The death of the Life Insured.


    The Plan offers guaranteed cash value, non-guaranteed Annual Dividends and non-guaranteed Terminal Dividend (if any). This allows you to accumulate wealth and provides life-long comprehensive protection to you and your loved-ones.

    • Annual Dividends (if any) are non-guaranteed dividends to be distributed annually from the 2nd policy anniversary date. You may choose to leave the Annual Dividends (if any) with us for accumulation to earn interest at a non-guaranteed interest rate as may be determined by the Company from time to time.
    • Terminal Dividend (if any) is a non-guaranteed dividend to be payable once on or after the 5th policy anniversary upon the first occurrence of any of the following events:
    1. Early surrender of the policy; or
    2. Policy maturity; or
    3. The death of the Life Insured.


    4 Premium Payment Terms for Selection

    Everyone's financial situation is unique. We want to make protecting your dependents as easy as possible. You can choose to pay either on a monthly or annual basis over 5, 10, 15 or 20 years. You can also choose to change your payment mode by filing written notice with us.

    Everyone's financial situation is unique. We want to make protecting your dependents as easy as possible. You can choose to pay either on a monthly or annual basis over 5, 10, 15 or 20 years. You can also choose to change your payment mode by filing written notice with us.

    Supplementary Benefits Available for Extra Protection

    To provide even more protection for your loved ones in the event of unfortunate circumstances, you can choose to add supplementary benefits to ensure the continuity of protection under the basic plan. Supplementary benefits are subject to additional premiums, underwriting and terms and conditions. All benefits under the supplementary benefits will end when your basic plan is terminated.

    To provide even more protection for your loved ones in the event of unfortunate circumstances, you can choose to add supplementary benefits to ensure the continuity of protection under the basic plan. Supplementary benefits are subject to additional premiums, underwriting and terms and conditions. All benefits under the supplementary benefits will end when your basic plan is terminated.


    Well Protect Whole Life Insurance Plan

    Product Type:

    Basic plan

    Premium Payment Term and Issue Age:

    5 years: Age 0 (15 Days) to age 65

    10 years: Age 0 (15 Days) to age 60

    15 years: Age 0 (15 Days) to age 55

    20 years: Age 0 (15 Days) to age 60

    Minimum Sum Insured:

    US$30,000

    Benefit Term:

    To age 100

    Premium Payment Mode:

    Monthly / Annual

    Policy Currency:

    USD

    Annual Dividend (Non-guaranteed):

    This policy is a participating policy and is entitled to share in the divisible surplus of the Company. While the policy is in force, Annual Dividend (if any) will be payable annually from the 2nd Policy Anniversary. Annual Dividends are not guaranteed. You may elect to receive the Annual Dividends (if any), by one of the following dividend options:

    Option 1: paid in cash

    Option 2: left with the Company to accumulate at interest rate as may be determined by the Company from time to time.

    Terminal Dividend (Non-guaranteed):

    Terminal Dividend, if any, shall be payable on or after the 5th Policy Anniversary upon the first occurrence of the following events:

    (i) the death of the Life Insured; or

    (ii) the surrender of the policy; or

    (iii) the policy reaches the maturity date

    Terminal Dividend, if any, is paid once only and shall be determined by the Company in its discretion. It is not guaranteed and may be zero.

    Death Benefit:

    Shall equal to:

    (i)   Sum Insured at time of Life Insured's death; plus

    (ii)  accumulated Annual Dividend with interest, if any; plus

    (iii) Terminal Dividend, if any; less

    (iv) any indebtedness.

    Maturity Benefit / Surrender Benefit:

    Shall equal to:

    (i)   guaranteed cash value; plus

    (ii)  accumulated Annual Dividend with interest, if any; plus

    (iii) Terminal Dividend, if any; less

    (iv) any indebtedness.

    Promotion
    Customer can enjoy additional 50% life coverage and simplified underwriting for successful application of Well Protect Whole Life Insurance Plan during promotion period.

    Note:

    1. This plan is underwritten by Well Link Life Insurance Company Limited.

    2. The above content contains general information for reference only and does not form part of the policy. Please refer to the policy document for benefit coverage and exact terms and conditions. For enquiries, please contact our Insurance Consultants, or call our Customer Service Hotline at +852 2830 7500.

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