LegendPower Life Insurance Plan
Bequeath a Legacy of Wealth and Love across Generations

LegendPower Life Insurance Plan (“the Plan”) is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”). The policyholder is subject to the credit risk of Hang Seng Insurance and early surrender loss. This product information does not contain the full terms of the policy and the full terms can be found in the relevant policy document.
LegendPower Life Insurance Plan integrates two major financial strategies, to assist you accumulate wealth and lock-in returns through various options and financial arrangements for your bequests. By doing so, you can live your life to the fullest without concerns about the future, knowing that your love for your family will endure for generations.
Plan Highlights & Details
  • Projected annualised total rate of return of up to 7%* for potential long-term capital growth
  • Unlimited Changes of the Life Insured1 and options to designate a Contingent Owner2 and Contingent Insured3 of the Policy to allow seamless wealth accumulation across generations
  • The opportunity to exercise a Policy Value Management Option# after the fifth (5th) Policy Year to lock-in your potential returns
  • Guaranteed acceptance4 up to age 805^ without any requirement for a medical examination
  • Extended Supplementary Benefits: Mental Incapacity Benefit Plus6 & Accidental Death Benefit7

View details
*
It is not guaranteed and assumes that during the policy term: a) all premiums are paid in full when due; b) no benefit has been paid and no partial surrender8 has been made; c) no policy loan has been taken; d) no policy changes has been made; e) no Policy Value Management Option has been exercised, details as below:
  • Single Premium (USD): Projected annualized total rate of return is up to 5% at the end of Policy Year 20, or up to 7% at the end of Policy Year 70
  • 3-year payment with annual mode (USD): Projected annualized total rate of return is up to 5% at the end of Policy Year 20, or up to 7% at the end of Policy Year 90
  • 5-year payment with annual mode (USD): Projected annualized total rate of return is up to 5% at the end of Policy Year 20, or up to 7% at the end of Policy Year 90
  • Single Premium (RMB): Projected annualized total rate of return is up to 5% at the end of Policy Year 20, or up to 6.15% at the end of Policy Year 70
  • 3-year payment with annual mode (RMB): Projected annualized total rate of return is up to 4.6% at the end of Policy Year 20, or up to 6.15% at the end of Policy Year 90
  • 5-year payment with annual mode (RMB): Projected annualized total rate of return is up to 4.15% at the end of Policy Year 20, or up to 6.15% at the end of Policy Year 90
The above projected annualized total rate of return for regular premium is calculated from annual mode only, which may differ from monthly mode.
^
Applicable to policies paid by single premium and 3-year payment terms.
#
After the fifth (5th) Policy Year, Policyholder may apply to exercise this Policy Value Management Option to lock in a portion of the Guaranteed Cash Value and non-guaranteed Special Dividend (if any) provided that all premiums have been paid when due and there is no Indebtedness under this Policy.


Application Offer
Customers can be entitled premium discount for the first year upon successful application for LegendPower Life Insurance Plan during the promotion period.

Terms and Conditions apply. Please note the relevant product risks.

For the Terms and Conditions relating to the first-year premium discount, please click here.

Please refer to the Product Brochure for detailed terms and conditions, risks and exclusions, please click here.

To find out more details, please contact our branch staff or call 2198 78382198 7838