永恒传承指数计划 (美金)
信手执笔，成就恒久传奇
永恒传承指数计划守护您的家族福祉，保障挚爱家人代代昌荣，永续兴盛。
利益概要
尊享终身高额保障， 无惧身故及末期疾病风险。
双重增长策略
享受两全其美， 让您灵活分配保费, 在稳健与增长潜力之间取得理想平衡：
固定账户：
首两个保单年度享有保证结算年利率4.5%，两年后将享受不低于 2.0% 的结算年利率。
指数账户：
通过挂钩“S&P 500 DRC 10% Index ER USD” 和 “UBS-CSOP GAMA Core Index ER USD”，捕捉市场上涨潜力。
指数回报无上限, 在市场强劲时获取最大收益。
市场下行保护，指数账户的最低结算年利率为0%。
可选择将指数账户的保费在12个月内平均分配。
“S&P 500 DRC 10% Index ER USD” 和 “UBS-CSOP GAMA Core Index ER USD”的预设参与率分别为100% 和 260%。
可以根据自身的风险偏好进行账户重新分配和/或账户再平衡。
高度灵活：
可选择单人或联名人寿保险方案。
可选择单期或2至10年的保费缴付期。
可选择更换受保人, 最多不超过 3 次。
自第11个保单年度起, 每年可提取高达保单价值5%的金额。
其他保障
在首5个保单年度内享有保单免失效保障权益。
自第11个保单年度起， 将额外享有每年0.35%的忠诚奖励利率。
首3年内可享有非吸烟人士的保费。
保障至新加坡存款保险公司 (SDIC)规定限值。
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Useful Tips
Is motor insurance mandatory in Singapore?
Driving a motor vehicle without a valid motor insurance plan to cover third-party physical harm is against the law in Singapore. Having a motor insurance plan in place not only protects you against third-party liability, it also reimburses you if you accidentally cause damage to your own car or someone else’s property.
What information should I consider when choosing a motor insurance provider?
- The premium payable and excess applicable
- Unnamed drivers (including young and inexperienced) excess
- The types of coverages (Comprehensive/Third Party/Third Party Fire and Theft)
- Driver restrictions (if any)
- Workshop restrictions
- List of approved repair workshops
- Non-standard exclusions
- Accident reporting and claims filing procedures
- Cancellation and refund policy
How does the motor insurance provider calculate my policy’s premium?
Most motor insurance providers in Singapore use a “risk factor rating system” when calculating your policy’s premium. The premium is calculated based on these factors:
- Profile of the vehicle
- Profile of the driver(s)
- Usage of vehicle
- Type of cover required
- History of claims
- No Claim Discount entitlement
What information do I need to give my motor insurance provider?
To better assess your risk and set an appropriate premium, the motor insurance provider will need some basic information:
- Your age
- Usage of your vehicle
- Make, model and year of make/registration of your vehicle
- Any other person(s) driving the vehicle beside you
- Recent motor accident claims (if any) including all vehicles owned or driven by you in the last 3 years.
- NCD entitlement
- Has the vehicle been modified? Please provide details of modifications
- Years of Driving experience in Singapore
- Existing medical conditions or physical impairment that may affect the driving of car (if any)