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

Brilliant Saver 2 Protection Plan

Earn guaranteed return and life protection for 5 years with 2-year premium only

Are there some financial goals on your bucket list which have been set aside for a long time? A plan with guaranteed return could help you achieve your goals. Tahoe Life’s Brilliant Saver 2 Protection Plan (the “Plan”) addresses your savings needs as well as protection needs. With two years premium paid, you can enjoy five years of protection. It also brings you guaranteed return which helps you accumulate wealth effectively and steadily within a designated timeframe.

人生清單中還有些遲遲沒兌現的財務目標?您需要一個可提供保證回報的計劃去助您達成。泰禾人壽的泰富保儲蓄保障計劃(「本計劃」)照顧您儲蓄及保障的需要;只需繳付2年保費,便為您提供5年保障。此外,更為您提供保證回報;助您的財富在指定時間內有效及穩定地增值。

Features

Guaranteed return at maturity

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.

Short premium payment term

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.

Prepayment of premium option3

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.

Life protection

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Accidental death benefit

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No medical underwriting

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

Please refer to the product brochure for details, or make an appointment for a financial needs analysis.

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Product Brochure
  1. The amount of maturity benefit will be equal to the guaranteed cash value at policy maturity, less any indebtedness of the policy. In case of early surrender, guaranteed cash value will be payable at the respective time. Early surrender may result in surrender value receivable considerably less than the premium paid.
  2. Illustrated percentages are rounded to two decimal places.
  3. The application of prepayment of the second year 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 premium and levy due. Prior to the settlement of the second year premium, the prepaid premium will be kept in a designated account of the policy but will not form part of the paid premium until it is payable. 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. Only full withdrawal of the balance of the prepaid premium and levy on prepaid premium will be accepted by Tahoe Life. 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.