Premier-Choice Flexi Plan

Your smart choice for attractive potential returns, many investment flexibilities and an extra protection for peace of mind

You work hard and you may want your money even work harder. China Construction Bank (Macau) proudly presents MassMutual Asia Ltd.'s Premier-Choice Flexi* plan which offers 3 attractive potential returns, 6 investment flexibilities plus an extra protection for peace of mind, enabling you to enjoy higher potential returns. What's more, you can enjoy Wealth Suite Online services free of charge.

* Premier-Choice Flexi is an investment-linked insurance plan

3 Attractive Potential Returns

Up to 30% First Year Bonus Contribution

Offers a guaranteed Bonus Contribution each month in the first year, with a total amount of up to 30%¹ of the first year target premium of the basic plan.

Extra Bonus for Loyal Customers - Maturity Bonus

You will receive a guaranteed extra-handsome Maturity Bonus² on policy maturity, giving you more capital to maximize your future potential returns.

No Bid-offer Spread For Most Funds

To save more of your money for investment and to make your money work much harder for you, no bid-offer spread³ is charged for most fund options.

6 Investment Flexibilities

Choose from Some 100 Diversified World-class Funds

Offers a wide choice of some 100 premier investment funds managed by renowned world-class investment managers, helping you to capture the best market opportunities and maximize potential returns.

Free Fund-switching

Offers you an unlimited number of opportunities to switch your investment funds, free of any service charge⁴.

Flexible Increase in Investment

You have the flexibility to increase the target premium of your basic plan⁵. Best of all, you will be entitled to receive a Bonus Contribution every time you increase your investment⁶.

Various Investment Term Options

Offers 26 investment-term options ranging from 5 years to a maximum of 30 years, giving you total control over your finances.

Flexible Maturity Options

Upon policy maturity, you may still keep your plan running⁷ so as to seize the best timing for fund redemption and lock in the greatest potential investment gains.

Flexible Cash Withdrawal

For you to enjoy greater liquidity in case of emergency, you can redeem your funds for cash⁸ once your policy has accumulated a cash value. Alternatively, you may skip premium payments as long as the cash value of your policy is sufficient to cover any policy charges⁹.

An Extra Protection for Peace of Mind

Free Accident Premium Waiver Benefit¹⁰

In the event that the insured suffers total disability due to accident for not less than 6 months, we will take full care of all subsequent premium contributions for the basic plan up to USD10,000 annually for each insured¹¹.

For inquiries, please call our Bank By Phone at 0800 555 or visit any of our Branches.

Remarks:

1. If the policyowner chooses a 30-year investment term with target yearly premium of the basic plan of or exceeding USD15,000, he/she will receive a 30% first year Bonus Contribution. 1% to 29% first year Bonus Contribution will be awarded for other choices of investment term and target yearly premium. For details, please refer to the Principal Brochure.
2. The amount of the Maturity Bonus is equal to 1.25% of the aggregate annual policy value during the investment term. The annual policy value is the average monthly policy value during the respective policy year.
3. For the bid-offer spreads of certain funds and details of other charges under this plan, please refer to the Principal Brochure.
4. The bid-offer spreads of certain funds are stated in the "Investment Choice" brochure.
5. For any increase in target yearly premium, the minimum remaining investment term should be 5 years, while the insured should be aged 70 or below. The policy maturity date will remain unchanged after an increase in target yearly premium. Any increase in target yearly premium will be subject to the prevailing administration requirements. Prior notice will be given to policyowners should there be any changes in administration requirements for increase in target yearly premium.
6. For any increase in target yearly premium, the Bonus Contribution rate will be calculated based on the remaining investment term of the policy, which should be a whole number.
7. The investment units of a policy will be retained until the date when the insured reaches the age of 100.
8. You can withdraw any amount provided that the balance of the cash value of the policy is sufficient to cover policy charges for the next two months. MassMutual Asia Ltd. may, at its absolute discretion, limit the number of units of an investment fund to be redeemed on any valuation date to up to 10% of the aggregate number of outstanding units of such investment fund. Withdrawals will be subject to a withdrawal charge. Please refer to "Summary of Current Charges" in the Principal Brochure for details of the withdrawal charge.
9. If the cash value is insufficient to cover policy charges, the policy will be terminated with no value. Nevertheless, a grace period of 31 days will be provided before such termination.
10. The insured should be aged between 18 and 65 when exercising the Accident Premium Waiver Benefit.
11. The target yearly premium of the basic plan to be waived under all Premier-Choice Flexi plans of the same insured is up to USD10,000 per annum on a per-life basis.

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 (Macau) is an appointed insurance agent (Corporate body established in Macao) 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. Fund prices may go down as well as up. The risk level is determined according to the historical volatility of the fund and is for reference only. The past performance and volatility level of a fund is not indicative of its future performance and yields are not guaranteed. The above 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.

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