A brighter future within reach

Guaranteed Return Saver provides guaranteed returns and protection to help build your wealth, so that your dream can be realized as easy as a breeze.

2-year Short Start Term
Guaranteed Returns
Worry-free protection
  • Get started right away with a short premium payment term of 2 years
  • Prepay the premium for the second year to earn a guaranteed interest rate of 4.5% p.a. for the first year
  • A guaranteed cash value of up to 114.3%* of total premiums paid will be available upon maturity
The highest Guaranteed Cash Value is 114.3% of total premiums paid, and is applicable to US dollar prepayment policies.
  • Death Benefit Guaranteeing Refund of Capital*
  • Additional Accidental Death Benefit#
*Option 1: 105% of total premiums paid or Guaranteed Cash Value, whichever is higher or Option 2: If the payment of the Death Benefit is deferred till policy maturity, it will be equal to the Guaranteed Cash Value upon maturity. 

#Applicable if the Insured dies before age 70 due to accident. The payment is equivalent to 50% of Guaranteed Cash Value upon maturity. Maximum benefit amount of all Guaranteed Return Saver under the same Insured with the Company is limited to US$250,000 / HK$2,000,000. 

Issue Age (At Last Birthday)
Issue Age (At Last Birthday)
Age 0-70
Benefit Term
Benefit Term
5 years
Premium Payment Term
Premium Payment Term
2 years

Talk to us now (852) 2533 5555

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