Long-Term Care Benefits

A guaranteed benefit which you can use after 20 years, whatever sickness you have or you can also use it at age 70 onwards.

Yearly Health Benefits

A 10% accumulation based on the long-term care benefit starting at the end of the 7 year up to the 20th year

Long-Term Care Bonus

If no claim was made during the accumulation period, 85% of premiums paid will be given back at the end of the 20th year, making it COST FREE.

Lifetime Network Access

Lifetime access to over 1,000 doctors, over 500 hospitals as long as you have funds available in your health benefits.

Cost-Free Health Benefits

With Return of Premiums for Non-Utilization
Accumulation of unused yearly health benefits and bonus.
All unused yearly health benefits and yearly health bonus accumulate with interest.

Term Life Insurance Coverage

If the policy owner dies during the paying and accumulation period, the beneficiary will receive an amount equal to the sum of Long-Term care benefit and Long-Term Care Bonus.

Accidental Death and Dismemberment.

If the policy owner dies due to an accident or suffers from dismemberment of both hands, both feet, or loss of sight in both eyes (or any combination thereof) and is below the age of 70 during the paying and accumulation period, he or she will receive an additional of 100% of the Long-Term Care Benefit plus long-term bonus.

Waiver of Installment Due to Death/Credit Life

If the policy owner dies during the accumulation period, the balance of premiums is waived, rendering the plan fully paid.

Waiver of Installment and Premiums Due to Total and Permanent Disability

If the policy owner becomes totally and permanently disabled for a period of at least six months (not exceeding the maximum age of 70 years old during the accumulation period) all the succeeding payments will be waived.