Double Treasure Retirement Income Plan

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prudential

Double Treasure Retirement Income Plan

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Min. Order: 1 Piece(s)
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prudential

Location:: ,Korea
Main Category:: Business Services
Main Products:: N/A

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Product Description



	Features
	Advantages
	Illustrative Example

Get Yourself Ready to Retire with a Regular Income

Imagine having a predictable income stream in the retirement years, what will you do to enjoy life to the fullest? Be it dining out with friends, studying full time or travelling with your loved one, you can rest assured that your spending will follow with a regular cash flow every month. Prudential understands your desire, so we bring Double Treasure Retirement Income Plan to help secure your retirement life at ease.

Features

Secure a Carefree Retirement with Guaranteed Monthly Income

Double Treasure Retirement Income Plan is a with-profit insurance plan available to
any person aged 19 to 55 (age next birthday). You only have to pay a premium of as
low as US$70 per month during the selected premium term, and the plan will provide you
with an income monthly starting right after the selected premium term, which includes
both guaranteed and non-guaranteed payment* , until the end of the policy term.

2 Options Available to Suit Your Needs
To better suit your needs, Double Treasure Retirement Income Plan offers 2 options with
different policy terms for your selection:

	Double Treasure 12	Double Treasure 15
Policy Term	24 years	25 years
Premium Term	12 years	15 years
Retirement Income Period	12 years	10 years
Monthly Premium (HKD equivalent)	$3,059	$3,000
Projected Monthly Retirement Income (HKD equivalent)	$4,577 (Guaranteed： $3,120)	$7,096 (Guaranteed： $4,680)
Guaranteed Total Amount Received over the Policy Term as a Percentage of Total Premium	110%	114%
Projected Total Amount Received over the Policy Term as a Percentage of Total Premium	211%	217%

The figures are for illustrative purpose only under the assumption that annual payment mode and encashment of monthly retirement income are selected for a policy issued at age 35 (age next birthday)
with an annual premium of US$4,706 for Double Treasure 12 and US$4,615 for Double Treasure 15 respectively, The plan is denominated in US Dollar. Figures in HK Dollar shown above are only
equivalent values based on an exchange rate of US$1 equals to HK$7.8. Actual values in your policy
is subject to the respective policy proposal.

The non-guaranteed values are projection of Prudential's current surrender values and current
bonus scales, both of which are not guaranteed. The actual values paid may change with the
values being higher or lower than those illustrated.

*	The non-guaranteed payment of the retirement income could be adjusted from time to time during the whole policy term according to the Reversionary Bonus and Special Bonus annually declared by Prudential.

Advantages

Receive Extra Cash to Realize Your Dreams
Besides a monthly income, the plan will pay extra cash to help realize your dreams:

Guaranteed Retirement Reward – A lump sum equivalent to the guaranteed payment of your
annual retirement income will be payable at the end of the premium term as a welcome gift
for your new chapter in life.
Bonus at Maturity* – A one-off non-guaranteed bonus will be payable at the end of the
policy term, helping you to lay down a solid foundation for future years.

Snowball Your Income to Maximize Returns
Prior to the retirement income period, you may opt for rolling over the non-guaranteed payment of your
retirement income in the policy. By selecting to accumulate the income, you can withdraw the non-guaranteed payment from the policy as an emergency fund.

Easy Application
Application for Double Treasure Retirement Income Plan is easy and hassle-free. There is no need
for medical check-up or answering health questions^#.

Relieve Financial Burden under Life Protection
In the unfortunate event of death, a death benefit equivalent to 101% of the surrender value will be
payable. The benefit payable in the premium term is guaranteed to be not less than 110% of the total
premium paid, protecting your family against unexpected financial burden.

Widen Your Safety Net with Optional Benefits
With an additional premium, you can attach a wide range of supplementary benefits to the plan for additional protection, subject to the issue age range of the respective benefits and normal underwriting procedures.

Bonus at Maturity will be equivalent to the residual accumulated Reversionary Bonus and the one-off Special Bonus. Reversionary Bonus once declared is guaranteed, and past accrued Reversionary Bonuses would not be affected by subsequent declarations; Special Bonus is payable at maturity and bonus rates would depend on the length of the policy as well as the investment returns at the time of payment.

Subject to the current underwriting guidelines determined by Prudential.

Illustrative Example

Double Treasure 15

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The above figures are for illustrative purpose only under the assumption that annual payment mode and encashment of monthly retirement income are selected for a policy issued at age 35 (age next birthday) with an annual premium of US$4,615. The plan is denominated in US Dollar. Figures in HK Dollar shown above are only equivalent values based on an exchange rate of US$1 equals to HK$7.8. Actual values in your policy is subject to the respective policy proposal.

The non-guaranteed values are projection of Prudential's current surrender values and current bonus scales, both of which are not guaranteed. The actual values paid may change with the values being higher or lower than those illustrated.

prudential

Company Introduction

Academic Achievements Bachelor and Master Degree in Economics Professional Qualifications FCCA AHKSA United States Life Insurance Institute Fellow Member Work Experience Trained with KPMG Peat Marwick UK 15 years financial controllership in international corporations and regional office Specialized in accounting, personal income tax and trust management. Expert consultant in insurance financial planning