Investment

ExcelLink Plus offers you the following benefits:

Death Benefit and Total and Permanent Disability Benefit
This plan provides death and total and permanent disability coverage based on the higher of 125% of single premium (plus any prior top-ups less any prior withdrawals) or the account value.

Investment Flexibility
We have a wide range of funds which you can choose to invest based on your financial goal and risk appetite. You can opt to top up your investment anytime either on an ad-hoc top-up basis or scheduled top-up basis. In addition, you can also choose or switch between the fund(s) depending on your investment strategies. Such flexibilities give you the opportunity to yield for potentially higher investment returns to meet your financial goals.

Automatic Fund Rebalancing
This option allows an automatic rebalancing of your funds based on your selected fund allocation, and hence you no longer need to constantly monitor your fund allocation.

For instance, you may start off with a fund allocation of 70% in Equity Fund and 30% in Fixed Income Fund. If the Net Asset Value (NAV) of your Equity Fund appreciates to 80% of your total fund value, the Automatic Fund Rebalancing feature will kick in to rebalance the funds back to 70% Equity Fund and 30% Fixed Income Fund by switching units from Equity Fund to Fixed Income Fund. The re-balance is performed quarterly on a bid price to bid price basis.

Important: This is purely a product summary. Please refer to policy contract for further details.

Aina has allocated 25% of her salary every month for savings purpose. In view of the rising living cost, Aina purchased ExcelLink Plus seeking to yield a return higher than the inflation rate. In the meantime, she gets to enjoy the insurance coverage provided by the plan.