Wealth Accumulation

• Provide Currency Exchange Option for your needs to capture global advantages

• Provide Policy Split Option for flexible asset utilization

• Provide Change of Insured Option and Contingent Insured Option for your needs on legacy planning

• Provide Survivorship Option

• Potential returns help you to grow your assets

• Enjoy up to 5% guaranteed interest rate per annum on prepaid premiums

• Lifelong wealth growth with potential returns
• Projected total rate of return up to 4.80%¹ per annum
• Focused protection on 5 types of Critical Illness and Condition
• Wealth and protection transferrable
• Simplified underwriting with no medical examination
• Multiple premium payment period options and premiums remain unchanged 

Optional Protection

• Supplementary Riders

1 Projected total rate of return includes Guaranteed Cash Value, the projected accumulated Annual Dividend (if any) and its interest (if any), and the projected Terminal Dividend (if any). The projected dividends are based on BOC Life’s dividend scales determined under current assumed investment return and are not guaranteed. The actual return may be higher or lower than the amount quoted in the example. The above projected total rate of return is not guaranteed and is for reference and illustration purposes only. This example is based on the return on the 30th Policy Anniversary and it assumes that (i) the Insured is a male non-smoker, and the policy is issued at his age 35; (ii) the policy currency is USD; (iii) premiums are payable annually over 5 years; (iv) all premiums have been paid in full during the premium payment term and (v) no withdrawal of cash value or Annual Dividend (if any) has been made, and no policy loan has been applied during the policy term.

• Guaranteed Cash Coupons payable until the Insured's age of 100 to achieve various financial goals with ease
• Multiple premium payment period options catering to your financial needs
• Potential returns for your wealth accumulation
• Life protection to protect your beloved
• Optional Protection
  • Supplementary Riders

• Upgraded to 8 choices of policy currencies to support the Currency Exchange Option for your needs to capture global opportunities

• Policy Split Option for your financial needs in different life stages

• Provides Change of Insured Option for your needs on legacy planning

• Provides Survivorship Option

• Potential returns help you to grow your assets

• Enjoy up to 6% guaranteed interest rate per annum on prepaid premiums

• Lifelong wealth growth
• Whole life protection
• Wealth and protection transferrable
• No medical examination
• Multiple premium payment period options and up to 3% Guaranteed Interest Rate* Per Annum on Prepaid Premiums 

Optional Protection

• Supplementary Riders

• Provides two underwriting options that suit for different customer needs
• Simplified underwriting with no medical examination (for Delight Version only)
• Whole life protection
• Extra life protection at important stage of life
• Return in long run for wealth accumulation
• Additional Accidental Death Benefit
• Eligible to apply for policy reverse mortgage loans for retirement planning

• Regular interest to provide steady income
• Option to withdraw policy value to enjoy flexible financial management
• Whole life protection to protect your beloved
• Easy and convenient application with no medical examination