產品類型

創富人生儲蓄計畫

創富人生萬能保險 (OIU)

中華民國106.01.01 安達精字第1060001號(OIU)函

【財富】 不斷增值,生生不息 【退休】 穩妥計畫,安享豐盛人生

【傳承】 世代相傳,富足顯智慧 【保障】 卓越保障,確保優渥未來

 

計畫特點

計畫特點

利息

在保單有效期間,帳戶會累積利息,相關利息將按當時之宣告利率每日以複利方式計算。(註1)

特別利息

我們會於第10個保單週年日且滿期日前的每5個保單週年日,給付特別利息至您的帳戶。(註1)

額外獎賞

除利息及特別利息外,於第10個保單週年日起每5年按照固定的額外獎賞率提供額外獎賞。

最低保證利率

第12個保單年度末之後,本公司計算身故給付、解約價值或滿期價值之帳戶價值,將不會小於以最低保證利率計算之金額。(註2)

年金選擇助您實現夢想

於解約時,您可行使年金選擇(須符合條件),將您全部或部分解約價值轉換為年金,以作退休之用。現有兩種年金可供選擇:(1)定額終生年金 (2) 20年年金保證期間的定額終生年金

無須體檢申請簡易

毋須經過體檢,過程簡單快捷。

 

基本資料

基本資料

繳費年期

5

10

20

投保年齡

出生15天以上()70

出生15天以上()65

保障年期

100

幣別

年繳

繳別

美元

基本保費

最低1萬美元

最高200萬美元

最低1萬美元

最高100萬美元

最低1萬美元

最高50萬美元

身故給付

身故給付為被保險人身故之

(1)已繳基本保費總額減去現金提領總額(如有)

(2)帳戶價值之101%,以較高者為準

現金價值提領

最低金額

每次1,000美元

最高金額

現金價值90%

備註:

  1. 宣告利率和特別配息率由本公司決定並不時更改,宣告利率將公告於本公司網頁。
  2. 最低保證利率為每年2.25%。

 

 

了解更多商品內容

上述資料只供參考,並非保單的一部分。詳細說明請參閱保單條款。

 

條款

繳費方式

表單下載

Perpetual Saving Plan (OIU)

中華民國106.01.01 安達精字第1060001號(OIU)函

Chubb Life is dedicated to providing the ideal savings plan to fulfill your Specific needs

BASIC POLICY INFORMATION

Basic Information

Premium Payment Term

5-year Payment

10-year Payment

20-year Payment

Insured Age

15 days to age 70

15 days to age 65

Policy Term

Up to age 100

Currency

US dollar

Payment Mode

Annually

Basic Premium

Minimum amount: US$10,000

Maximum amount: US$2 Million

Minimum amount: US$10,000

Maximum amount: US$1 Million

Minimum amount: US$10,000

Maximum amount: US$0.5 Million

Death Benefit

Death benefit is equal to

(i) the total basic premium paid less the total cash withdrawal (if any); or

(ii) 101% of the Account Value1, at the insured’s death, whichever is higher.

Cash Withdrawal

Minimum amount

US$1,000 per transaction

Maximum amount

90% of Cash Value

HIGHLIGHT

HIGHLIGHTS

Crediting Interest

Your Account Value will accrue with Crediting Interest on a daily compound basis.

Special Interest

Special Interest will be credited to your account every 5 years starting from the 10th policy anniversary and on policy maturity.

Extra Bonus

In addition to Crediting Interest and Special Interest, Perpetual Saving Plan offers you Extra Bonus every 5 years starting from the 10th policy anniversary at a fixed bonus rate to further boost your Account Value.

2.25% p.a. Minimum Interest Rate

If the policy has been issued for 12 years or more, your Account Value applied for the calculation of the death benefit, surrender value or maturity value will not be less than the amount calculated at the Minimum Interest Rate.

Lifetime Annuity Income to Realize Your Dream

Upon policy surrender, you may exercise annuity option (subject to conditions) to convert all or part of your surrender value into annuity income payment for retirement. There are 2 annuity options for your selection: (1)Fixed Income Life Annuity (2)Fixed Income Life Annuity with 20-year Annuity Income Payment Guarantee Period

Easy Application without Medical Examination

Application for Perpetual Saving Plan is simple and fast without the need for medical examination.

Remarks:

  1. Crediting Interest rate and Special Interest Rate are determined by the Company and subject to change from time to time at the Company’s sole discretion.
  2. Account Value is subject to charges of the plan.
  3. Minimum Interest Rate once determined at policy inception will not be changed during the policy term.

 

PRODUCT DETAILS

The above information is intended to be a general summary for reference only and does not from part of the policy. You should refer to the Product Fact Sheet for further details. For exact terms, conditions and exclusions, please refer to the policy provisions.

PROVISIONS

PAYMENT METHODS

FORMS