Grand Heritage II allows you to capture and secure any market upside with the newly added feature - the terminal dividend lock-in option. Within 30 days from each policy anniversary starting from the 15th policy anniversary, you may apply¹ to transfer a certain percentage of the latest value of the terminal dividend² to your terminal dividend lock-in account. Interest may be credited on the value of the terminal dividend lock-in account at an interest rate as may be determined by the Company from time to time at its absolute discretion. The value of the terminal dividend lock-in account can be withdrawn in a lump sum³.

Grand Heritage II provides life protection giving you extra peace of mind throughout the benefit period. In the unfortunate event of death of the insured, the designated beneficiary will receive a death benefit.

To allow greater flexibility, you can choose to have the death benefit paid out in a lump sum or by regular instalments⁴.

If you need access to emergency cash, you may apply for policy loans⁵ after the 1ˢᵗ policy year, subject to approval by the Company.

For your retirement planning purpose, starting from the 10ᵗʰ policy anniversary, you may convert the policy to any annuity plan of the Company then available, subject to the relevant requirements of such annuity plan and the Company’s approval.