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Own the future with the legacy of wealth

Infinity Saver 3 is a flexible insurance savings plan designed to grow your assets and help you and your family to achieve a brighter future. With Infinity Saver 3 you accumulate capital with potentially higher returns.

Higher Potential Returns
Flexible Funding
Spread Your Wealth Across Generations
Enjoy Lifetime Annuity Income
Worry-free Protections
Short Start Term and Easy Enrollment
  • Our professional investment team implements a proactive asset allocation strategy to optimize market opportunities for attractive and stable long-term returns
  • In addition to the Guaranteed Cash Value, the plan shares the profits of the investments in the form of non-guaranteed “Annual Dividend” and “Terminal Bonus” from the third policy anniversary onwards1
  • Cash Value2 = Guaranteed Cash Value + accumulated Annual Dividends and Interest  + Terminal Bonus

1. Guaranteed Cash Value, Annual Dividends and Terminal Bonus will be affected if the Premium Holiday is exercised. Please refer to the terms and conditions for the details of Premium Holiday.
2. Net of any policy debt.

  • Annual Dividend – Make withdrawals or leave it to accumulate3 in the policy
  • Terminal Bonus Lock-in Option4 – From the 15th policy anniversary onwards, you may convert a portion of the Terminal Bonus into Annual Dividend by exercising the Terminal Bonus Lock-in Option

  • Premium Holiday5 - From the 2nd policy anniversary onwards, you may apply for a Premium Holiday of up to four years

  • Withdraw a portion of the Cash Value by partial surrender6 or get access to cash by taking out a policy loan of up to 90% of the Guaranteed Cash Value

3. The interest rate for the accumulation of Annual Dividends is not guaranteed and will be determined by the Company from time to time.
4. After the policy has been in force for 15 years, and within 30 days after each policy anniversary, you may submit a written request to exercise the Terminal Bonus Lock-in Option. The Lock-in Percentage for each conversion cannot be less than 5% and the aggregate Lock-in Percentage cannot exceed 60%. The conversion of Terminal Bonus cannot be reversed once the lock-in option is exercised. Subject to prevailing administrative rules.
5. Applicable to policies that have been in force for at least two years (not applicable to policies with any prepaid premium or policy debt). You may submit a written request within 60 days before a policy anniversary and the Premium Holiday will become effective on that policy anniversary. The Premium Holiday Period for each application should be a multiple of one year. Please refer to the terms and conditions for the details of the Premium Holiday.
6. Partial surrender of the policy will reduce the amount of the Guaranteed Cash Value, Annual Dividend and Terminal Bonus on a pro-rata basis accordingly.

  • Transfer your policy ownership to your loved ones by “changing the Insured”7 unlimited times without affecting the Cash Value of the policy
  • Change whenever you wish – Change the Insured to your child, grandchild or loved one anytime while the policy is in force
  • Advance instructions – Nominate a contingent Policy Owner8 to ensure the policy will be inherited upon the death of the Policy Owner. Prior instructions may also be created by nominating a designated beneficiary to become the new Insured8,9 in the event of the death of the Insured
7. Applicable after the first policy year, subject to the prevailing administrative rules.
8. Subject to prevailing administrative rules.
9. If a designated beneficiary is named by the Policy Owner as the contingent Insured before the death of the Insured, the Death Benefit will not be payable, the policy will not be terminated on the death of the Insured, and the designated beneficiary will become the new Insured. Subject to prevailing administrative rules.
  • When you reach the age of 55 and the 10th policy anniversary, you may decide at any time to convert all or part of the Cash Value to an annuity10 with guaranteed lifetime payouts
10. Current requirement on minimum Cash Value when exercising an annuity is US$10,000. The actual annuity income is subject to the annuity option selected, the Cash Value applied for exercising the annuity, and the applicable annuity rate in effect on the annuity date. Each Insured can exercise annuity option once only. The availability of the annuity option 1 “Lifetime fixed-income annuity” is guaranteed. We reserve the right to determine the annuity options available for this plan from time to time, the terms and conditions of the annuity, and the annuity payment amount at the time the first annuity payment is made.
  • Waiver of Premium Benefit up to US$200,00011
  • Death Benefit12 Payment Options
11. In any event, all the Waiver of Premium Benefit payable under all Infinity Saver 2 and Infinity Saver 3 policies issued by the Company will be subject to US$200,000 per life limit.
12. The Death Benefit is applicable when the policy remains in force and before an annuity option is exercised with the full Cash Value. The Death Benefit shall not include the Annual Premium of Basic Plan that had been reduced (i.e. partial surrender). Net of any policy debt.
  • Accumulate a sizeable sum over a short premium payment term of 5/ 10 years
  • Application is easy
  • No medical examination is required
Issue Age (At Last Birthday)
Issue Age (At Last Birthday)
Age 0-70
Benefit Term
Benefit Term
Whole of life
Premium Payment Term
Premium Payment Term
5 Years / 10 Years

What is Savings Insurance?

Savings insurance helps you achieve your wealth accumulation objectives by offering a higher return than normal deposits. If your mid- to longer-term financial goals are to save up for your children’s education, your retirement, legacy planning, etc., and you are comfortable with a more aggressive investment risk, you may consider high-yield savings insurance plans. Managed by professional investment teams, the plans implement a more proactive asset-allocation strategy and look for higher potential returns through an investment portfolio that covers different geographical regions, industry sectors and investment cycles, so that your investment is properly diversified.

High-yield savings insurance plans normally entail a guaranteed cash value, in addition to non-guaranteed annual dividends and a terminal bonus. More comprehensive plans will offer flexible funding arrangements so that you may opt to convert a portion of the Terminal Bonus into dividends which can be cashed out or retained in the policy for accumulation. You may also choose to convert all or part of the cash value in the policy into an annuity to ensure a stable source of income after retirement. What’s more, you may transfer your policy ownership to your loved ones by changing the Insured. With just one savings insurance policy, you may achieve a number of mid- to longer-term financial goals and spread your wealth across the generations.

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