Your priorities may change over time, requiring extra flexibility as new needs or opportunities arise. Starting from the 4ᵗʰ policy anniversary, you may apply to exercise the Flexi Premium Option⁵, which halts your future premium payments of the basic plan and relieves you of the obligation to pay any future premiums.

With Wealth Ultra, you can also realise long-term gains from your reversionary bonus and terminal bonus without partially surrendering your policy. Starting from the 25ᵗʰ policy anniversary, you may apply to exercise⁵ the Bonus Lock-in Option, which allows you to transfer an identical percentage of the latest cash value of reversionary bonus and the latest cash value of terminal bonus respectively to your bonus lock-in account, subject to an annual maximum lock-in rate of 70% and an annual minimum lock-in rate of 10%.

Without an aggregate limit for the lock-in rate throughout the policy term, you can pass on your policy to future generations without worrying about exhausting the lock-in rate.

Also, you can withdraw part or all of the value of the bonus lock-in account anytime.

To protect your legacy and ensure the continuity of your wealth for future generations, after the end of the 3ʳᵈ policy year, you may apply to designate one contingent insured and assign a portion of policy value to be accumulated further⁵.

In the unfortunate event of the death of the insured, the designated contingent insured will become the new insured. The portion of the policy value that you assigned to be accumulated will become your legacy to continue accumulating for future generations. The remaining portion of the policy (if any) in the form of compassionate benefit will be payable in a lump sum to the designated beneficiary, providing immediate financial support.