The plan also provides guaranteed cash value, and non-guaranteed reversionary bonus¹ and terminal bonus¹ to help you save for future.

• Life protection up to age 100
• Guaranteed cash value
• Additional returns from reversionary bonus¹ and terminal bonus¹

• Life protection up to age 100
• Guaranteed cash value
• Improve your returns by annual dividends¹ and terminal dividend¹

What’s more, if you are a non-smoker, we can offer the same level of protection at an even more affordable price.

• 4 options for you to choose from: 1-year renewable term, 5-year renewable term, 10-year renewable term and up to age 75
• Privileged rates for non-smokers
• Guaranteed convertibility to our specified insurance plan before age 70, without evidence of insurability

With the newly added feature - the terminal dividend lock-in option, it allows you to manage the terminal dividend¹ in a more flexible way.

• Lifelong wealth accumulation with flexibility in cash-flow
• Lifelong protection for legacy planning
• Lifelong flexibility to match evolving needs

Whether you want to preserve your wealth to build a secured future for your loved ones or plan for the succession of your business while maintaining great control over your wealth distribution, Heritage Builder Universal Life Plan is a one-of-a-kind choice for you.

• For each premium paid in cleared funds within the first 3 policy years, once a crediting interest rate is declared at the time of receipt, such rate will be fixed and applied to that premium for the first 3 policy years
• Crediting interest rate is guaranteed at not less than 2% per annum at all times
• Guaranteed all fees and charges rates for the same insured