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Wealth Management

Investment Link Insurance

Investment link insurance combines insurance with investment elements, where the insurance premium is used to purchase fund units. In case life insurer passes away, beneficiary is still entitled to claim 101% of the investment amount. Such type of products is divided as Lump Sum Investment Link Insurance Plan and Regular Saving Investment Link Insurance Plan.

Investment link insurance could effectively assist clients to achieve financial targets because:

The term period of such plan usually ranges from 10 to 30 years, as such it can capture the investment opportunities in every economic cycle. Long term investment could also benefit the clients through compound interest effect, and help achieve long term investment goals.

Regular Saving Investment Link Insurance Plan utilizes dollar cost averaging to invest regular amount periodically. By purchasing more fund unit when the fund price is lower, client could lower the general investment cost.

Investment link insurance is agile with flexibility, fund choice is also changeable at any time, so client could base on different market situation and risk appetite to switch to a more suitable fund for better return; client could also increase/decrease/stop/withdraw part of the contribution before the plan is mature.