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. Now a premium-payment term of 2 years is made available for you to achieve continuous financial growth with short-term commitments. Act now for it’s a limited offer!

Short Start Term and Easy Enrollment
Multiple Currency Options
Higher Potential Returns
Flexible Arrangement of the Policy
Spread Your Wealth Across Generations
Enjoy Lifetime Annuity Income
Worry-free Protections
  • Accumulate a sizeable sum over a short premium payment term of 2 years
  • Application is easy
  • No medical examination is required
  • A choice of up to 8 policy currencies, including US Dollar (US$), British Pound (GBP), Australian Dollar (AUD), Canadian Dollar (CAD), Renminbi (RMB), Singapore Dollar (SGD), HK Dollar (HK$) and Macau Pataca (MOP)1
  • Currency Exchange Option - You may exercise the Currency Exchange Option2 to change the original Policy Currency to a New Policy Currency from the third policy anniversary onwards
Notes:
1. For policy issued in Macau only.
2. Applicable to policies that have been in force for at least three years and have not yet exercised an annuity option with the full Cash Value. You may submit a written request within 30 days after each policy anniversary. Currency Exchange Option can only be exercised once per policy year. If Infinity Saver 3 is unavailable when the Currency Exchange Option is exercised, the policy will be exchanged for a plan we offer at the time of change, which may be different from the existing plan. Please evaluate the difference (e.g., benefits, options, policy terms, etc.) between the products carefully before exercising the Currency Exchange Option and consider whether the relevant product suits your needs. The Cash Value (including Guaranteed Cash Value, accumulated Dividends and Interest, Annual Dividends and Terminal Bonus) and the Annual Premium of Basic Plan after exercising the Currency Exchange Option will be determined and adjusted based on factors including but not limited to the prevailing market-based currency exchange rate (determined by us at our discretion), the investment yield and asset values of the existing and new underlying portfolio of assets, and/or the transactions from the existing to new assets, and may be lower or higher than the corresponding values before the exchange. The Annual Premium of Basic Plan should not be less than the minimum Annual Premium of Basic Plan as required after exercising the Currency Exchange Option. All Policy Debt (if any) should be repaid before exercising the Currency Exchange Option. Please refer to the terms and conditions for the details of the Currency Exchange Option.
  • 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 onwards3
  • Cash Value4 = Guaranteed Cash Value + accumulated Annual Dividends and Interest  + Terminal Bonus

Notes:
3. Guaranteed Cash Value, Annual Dividends and Terminal Bonus may be affected when the Currency Exchange Option is exercised. Please refer to the terms and conditions for the details of Currency Exchange Option.
4. Net of any policy debt.

  • Policy-split Option5 – From the third policy anniversary onwards, you can split your policy into several policies by converting a portion of its Cash Value. You may then pass the policies to your loved ones or change the Policy Currency for each policy
  • Annual Dividend – Make withdrawals or leave it to accumulate6 in the policy
  • Terminal Bonus Lock-in Option7 – 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
  • Withdraw a portion of the Cash Value by partial surrender8 or get access to cash by taking out a policy loan of up to 90% of the Guaranteed Cash Value

Notes:
5. Applicable to policies that have been in force for at least three years and have not yet exercised an annuity option with the full Cash Value. You may submit a written request within 30 days after each policy anniversary. The policy can be split once per policy year, but there is no limit for the number of policies into which the policy is split. The policy effective date and premium payment term of the split policies are same as the original policy. For every time a policy is split, the current requirement on the minimum Cash Value to be transferred to each new policy is US$10,000 / GBP7,500 / AUD / CAD / SGD15,000 / RMB65,000 / HK$ / MOP80,000. After splitting the policy, the Annual Premium of Basic Plan for the unconverted portion shall meet the minimum premium requirement. All Policy Debt (if any) should be repaid before splitting the policy. Please refer to the terms and conditions for the details of Policy-split Option.
6. The interest rate for the accumulation of Annual Dividends is not guaranteed and varies by the Policy Currency. This will be determined by the Company from time to time.
7. 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.
8. 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”9 unlimited times without affecting the Cash Value of the policy
  • Change whenever you wish – From the first policy anniversary onwards, you may change the Insured to your child, grandchild or loved one anytime while the policy is in force
  • Advance instructions – Nominate a contingent Policy Owner10 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 Insured10,11 in the event of the death of the Insured
Notes:
9. Applicable after the first policy year, subject to the prevailing administrative rules.
10. Subject to prevailing administrative rules.
11. 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 annuity12 with guaranteed lifetime payouts
Notes:
12. Annuity option is only applicable to US Dollar, Renminbi, HK Dollar or Macau Pataca policies. Current requirement on minimum Cash Value when exercising an annuity is US$10,000 / RMB65,000 / HK$ / MOP80,000. 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 the annuity option once only. The availability of 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$200,000 or equivalent13
  • Death Benefit14 Payment Options
Notes:
13. 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 or equivalent per life limit.
14. 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.
 
Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Age 0-80

Benefit Term
Benefit Term
Whole of life
Premium Payment Term
Premium Payment Term
2 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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