Well Save 5-Year Bonus Plus

Well Link Life's Well Save 5-Year Bonus Plus(the 'Plan') provides guaranteed cash values, non-guaranteed terminal dividend and life protection. You can enjoy a total projected return up to 4.5% p.a. in 5 years.

Key Feature
Product Summary

Accumulate Wealth with total projected return up to 4.5% per annum

The Plan provides you with choices of policy currency in Hong Kong Dollar, Renminbi and US Dollar. You just need to pay a single premium and will receive guaranteed cash value and non-guaranteed terminal dividend at the maturity date in the 5^th year. The total projected return is up to 4.25% per annum (applicable to HKD-denominated policies), 3.58% per annum (applicable to RMB-denominated policies) and 4.50% per annum (applicable to USD-denominated policies).

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The Plan provides you with choices of policy currency in Hong Kong Dollar, Renminbi and US Dollar. You just need to pay a single premium and will receive guaranteed cash value and non-guaranteed terminal dividend at the maturity date in the 5^th year. The total projected return is up to 4.25% per annum (applicable to HKD-denominated policies), 3.58% per annum (applicable to RMB-denominated policies) and 4.50% per annum (applicable to USD-denominated policies).

Provides terminal dividend for long term wealth accumulation

The Plan is a participating policy. Starting from the 3^rd policy anniversary, a one-off terminal dividend will be payable upon policy surrender, policy maturity or death of life insured (whichever earlier). Terminal dividend is not guaranteed and is determined by the Company at its discretion.

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The Plan is a participating policy. Starting from the 3^rd policy anniversary, a one-off terminal dividend will be payable upon policy surrender, policy maturity or death of life insured (whichever earlier). Terminal dividend is not guaranteed and is determined by the Company at its discretion.

Options available for maturity benefit settlement to meet your financial need

You will receive a guaranteed cash value and terminal dividend (if any) at the maturity date in the 5^th year. To help you achieve different financial goals, you can choose to receive the maturity benefit value in a lump sum or by annual annuity payments for 8 years.

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You will receive a guaranteed cash value and terminal dividend (if any) at the maturity date in the 5^th year. To help you achieve different financial goals, you can choose to receive the maturity benefit value in a lump sum or by annual annuity payments for 8 years.

Extra protection for your loved ones

In the unfortunate event of the life insured's passing, the beneficiary(ies) will receive a death benefit equivalent to 102% total premiums paid¹or the guaranteed cash value at the time of the life insured’s death (whichever is higher) and terminal dividend (if any).

^{1. If life insured is covered by one or more policies under the Well Link Life's Endowment Plan series (Please click here for the ^{product list}^.^{), the total amount of 102% total premiums paid of all policies under the Endowment Plan Series for each life insured should not exceed 100% of total premiums paid
as at the date of life insured’s death plus HKD100,000 / RMB100,000 / USD12,500 (or the higher thereof in case of a combination of HKD-, RMB- and USD-denominated
policies).}}

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In the unfortunate event of the life insured's passing, the beneficiary(ies) will receive a death benefit equivalent to 102% total premiums paid¹or the guaranteed cash value at the time of the life insured’s death (whichever is higher) and terminal dividend (if any).

^{1. If life insured is covered by one or more policies under the Well Link Life's Endowment Plan series (Please click here for the ^{product list}^.^{), the total amount of 102% total premiums paid of all policies under the Endowment Plan Series for each life insured should not exceed 100% of total premiums paid
as at the date of life insured’s death plus HKD100,000 / RMB100,000 / USD12,500 (or the higher thereof in case of a combination of HKD-, RMB- and USD-denominated
policies).}}

Hassle-free application without medical examination

You can kick start your saving plan right after the completion of the simple assessment process with no medical examination and health declaration required.

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You can kick start your saving plan right after the completion of the simple assessment process with no medical examination and health declaration required.

Well Save 5-Year Bonus Plus

Product Type

Basic Plan

Issue Age (on last birthday)

Age 0 (15 days) to Age 80

Premium Payment Term

Single premium

Benefit Term

5 years

Policy Currency

HKD / RMB / USD

Minimum Single Premium Amount

HKD6,000 / RMB6,000 / USD800

Maximum Single Premium Amount

Age 0(15 days) to Age 70

HKD6,000,000 / RMB 6,000,000 / USD750,000

Age 71 to Age 80

HKD1,500,000 / RMB 1,500,000 / USD188,000

Premium Payment Mode

Single

Terminal Dividend (Non-guaranteed)

Terminal dividend (if any) shall be payable on or after the third policy anniversary upon the first occurrence of any of the following events:

(i) the death of the life insured; or

(ii) the surrender of this policy; or

(iii) the policy maturity.

Terminal dividend is paid once only and is not guaranteed. It shall be determined by the Company in its discretion.

Death Benefit

Equivalent to 102% of total premiums paid ¹ or the guaranteed cash value at date of life insured's death (whichever is higher);

plus terminal dividend at date of life insured's death (if any) ;

less any indebtedness

Surrender Benefit / Maturity Benefit

Guaranteed cash value and terminal dividend (if any) at time of surrender or on maturity date less any indebtedness

Settlement option for Maturity Benefit

Policyowner can choose to receive maturity benefit in a lump sum or by annual annuity payments² for 8 years

^{1. If life insured is covered by one or more policies under the Well Link Life's Endowment Plan series (Please click here for the}^{product list}^.^{), the total amount of 102% total premiums paid of all policies under the Endowment Plan Series, for each life insured should not exceed 100% of total premiums paid under
such plans that provide critical illness benefit as at the time of diagnosis with critical illness of life insured plus HKD100,000 / RMB100,000 / USD12,500 (or the higher
thereof in case of a combination of HKD-, RMB- and USD-denominated policies).}

^{2. Annuitization rate is not guaranteed and shall be determined by the Company in its absolute discretion at the time of maturity of this Policy. Once the annuitization
rate is determined at the time of maturity, it becomes guaranteed.}

Download

Product Brochure

PDF 1.66 MB

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Product Brochure (PDF 1.66 MB)

Note:

1. This plan is underwritten by Well Link Life Insurance Company Limited.

2. The above content contains general information for reference only and does not form part of the policy. Please refer to the policy document for benefit coverage and exact terms and conditions.

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