FLEXI-Annuity Investment Plan

Enjoy Potential Long-term Returns And a Lifelong Income

You may want to enjoy lifelong monthly fixed income to protect your future quality of life. China Construction Bank (Asia) proudly presents MassMutual Asia Ltd.'s FLEXI-Annuity Investment Plan which gives you a regular savings plan for investment in global market funds, making your money work harder to earn you greater potential returns.

Flexible investment portfolio

Our privilege global funds are managed by professional fund managers to capture greater potential returns. Best of all, you may opt to change the portfolio at any time.

Extra bonuses offering better potential returns

Offers you extra bonuses at the 10th policy anniversary and every 5 years thereafter until you execute the annuity option, maximizing your potential returns by buying additional investment units for you.

Flexible annuity options

You may execute the Annuity Option1 and convert the cash value2 into a lifetime fixed-income monthly annuity, guaranteeing you lifelong income.

Various annuity options

'Lifetime fixed-income annuity' , 'lifetime fixed-income annuity with 10 years guaranteed payment' or even 'lifetime fixed-income annuity with 15 years guaranteed payment' are available for your selection.

Flexible premium contributions

You have total control to determine and to change the premium amount, payment mode, or even the payment period at any time to match your financial status. You may also reduce the premium amount or even skip payments once the cash value is sufficient to cover policy charges3.

Flexible cash withdrawal to cope with emergencies

You are free to redeem your funds for cash if the cash value is sufficient to cover policy charges4.


For inquiries, please call our Bank By Phone at 2903 8388 or visit any of our Branches.

Remarks:

  1. The earliest annuity date is at the 10th policy anniversary or the policy anniversary on which the insured has reached age 55, whichever is later.
  2. The policy value is equal to the number of fund units multiplied by the bid price of the units, and the cash value is equal to the policy value less the surrender charge whenever applicable. Current requirement on minimum cash value for annuity conversion is USD10,000 or HK$80,000.
  3. Current requirement on the minimum yearly target premium is USD500 or HK$4,000. Decrease in yearly target premium will trigger a surrender charge, for details, please refer to the Principal Brochure.
  4. Cash withdrawals will be subject to a withdrawal charge. Please refer to Principal Brochure for details.

The above content contains general information only. For full details and charges of the plan, please refer to the Principal Brochure. For detailed terms and conditions, please refer to policy provisions. China Construction Bank (Asia) is an appointed insurance agent of MassMutual Asia Ltd. ("MassMutual Asia"). This plan is underwritten by MassMutual Asia, an authorized insurer approved by the Office of the Commissioner of Insurance of Hong Kong.

Important information:

Investors should remember that each investment fund is subject to market and exchange rate fluctuations and to the risks inherent in all investments. Past performance is not indicative of future performance. The price of funds may go down as well as up. This website is for information purposes only and does not constitute an offer or solicitation for the purchase or sales of any funds or insurance. Please refer to the Principal Brochure for details.