** This information is only an example of the insurance benefit. This is not part of the policy*

This policy is an endowment policy which offers 10, 15, and 20-year coverage (the issued age of insured is from 1 month old - 70 years of age). The insureds can pay their premiums annually, semiannually, quarterly or monthly. This is another worth-while policy for both savings and insurance coverage. Worthy Benefits Presuming the insured is alive and well during policy period   The insureds will receive 2% annuity starting at the end of second year of the policy until the year before maturity. Presuming the insured is alive and well when the policy is matured.   The insureds will receive 100% of the sum insured plus approximated 20%* dividend of the sum insured. In case of death during policy period   The beneficiary will receive either the coverage amount or surrender value, depending on which sum is more.

Sum benefit with a big smile

1) Presuming the insured is alive and well

       During policy period: The insureds will receive 2% annuities starting the second year of the policy until the year before maturity.

       When the policy has matured: The insureds will receive 100% of the sum insured plus approximately 20% dividend of the sum insured.

In case of death

      The beneficiary will receive either the coverage amount or surrender value, depending on which sum is more.

Riders

  "Waiver of premium due to disability(WPD)"

      This rider is beneficial for the insured with permanent disabilities insured. They will not have to pay their premium if they have permanent disability until the policy has matured.

  "Accidental death&Dismemberment coverage(AD&D)" and "Murder, Assault and Riot coverage(MA)" (click for more details)

       This will cover accident insurance and attached policy, murder and riot
      The benefit covers death, loss of organ, medical expenses during recuperation, medical cost from accident, assault, war, revolution and riot.The coverage is proportionate with the sum insured.

  "Health insurance(HI)" (click for more details)

      The policy covers medical expenses such as; room, meals, medical care etc. which are stated in the policy for treatment of in-patient.

  "VIP health insurance(VIP)" (click for more details)

      This covers all actual medical expenses for each treatment which include in-patient and out-patient. And also cover daily medical care.

  "Cash Plan(CP)" (click for more details)

      The policy cover daily medical care expenses for in-patient with a maximum coverage of 1,250 days per treatment (one-time treatment only) and illness or death by any of these 7 diseases such as; Aids, Cancer, Cirrhosis of liver, Polio, Muscular dystrophy, and Multiple Sclerosis.

      The insureds will receive a lump sum that is 20 times more than the fixed daily medical care expenses, if the insured has been diagnosed to have or contracted any these deadly diseases.

      The insured will also receive a lump sum that is 200 times more than the fixed daily medical care expenses, if the insured have succumbed to any of these deadly diseases.

  "Dread Disease& Term Life& Disability coverage(DD)" (click for more details)

      This will cover death, disabilities and deadly diseases
      The policy will cover death, disabilities, illness from these deadly diseases. They are Acute Myocardial infarction, Heart Valve Replacement, Stroke, Alzheimer's disease, Cancer, Coronary Artery disease, Aorta Surgery, Primary Pulmonary Arterial Hypertension, State Chronic Renal failure, Major Organ Transplants and Acute Viral Hepatitis.

  "Term Rider" (click for more details)

      This covers at most 5 times of sum insured in case of death.

  "Waiver of Premium for Payer Benefit (WPP)" (click for more details)

     This will also cover premium payment
     The rider will cover minors. Their parents will pay their premium, if parents die, they will not have to pay for their premium until their policies have matured.