Chubb Smart Endowment Plan (Limited Offer)

• To enjoy the benefits of Chubb Smart, you only need to pay Premiums for 2 years. When your Policy matures (i.e., on the 5th Policy Anniversary), Chubb Smart will offer a guaranteed return of up to 105.1% of the total Premiums paid, which is equivalent to a guaranteed return rate of up to 1% per annum, provided that the Premium for the 2nd Policy Year is prepaid and the discount on the Premium payable for the 2nd Policy Year has been obtained.
• In addition, this plan will pay a lump sum of non-guaranteed Maturity Dividend upon maturity for extra potential returns.

Prepayment option 

• If you choose to prepay the Premium for the 2nd Policy Year at Policy inception, we will offer a 4.0% discount on the Premium payable for the 2nd Policy Year. The prepaid Premium will be deposited in a non-interest bearing Premium Deposit Account (“PDA”). At the 1st Policy Anniversary, we will automatically use the balance of the PDA to settle the 2nd Policy Year’s Premium.

Early breakeven year offers greater peace of mind

• By the end of the 3rd Policy Year, the guaranteed Cash Value equals 100% of total Premiums paid.

Extra protection for your loved ones

• With just 2 years of Premium payment, 5 years of life protection will be provided for the Insured as well.
• Death Benefit: if the Insured passes away during the Policy term, Chubb Smart will provide life protection with Death Benefit as below:
  • Issue age of the Insured - 60 or below:
    Death benefit at the death of the Insured: The higher of (i) 105% of Total Basic Premiums Paid or (ii) guaranteed Cash Value
  • Issue age of the Insured – over 60:
    Death benefit at the death of the Insured: The higher of (i) 101% of Total Basic Premiums Paid or (ii) guaranteed Cash Value
• Accidental Death Benefit: to give you greater peace of mind, an additional Accidental Death Benefit on top of the Death Benefit will be offered. If the issue Age of an Insured is between 18 and 60 and this Insured passes away solely and directly because of an Injury within 12 months from the date of such Injury, an Accidental Death Benefit equivalent to 30% of the Total Basic Premiums Paid at the Insured’s death will be payable, subject to a maximum of US$30,000

Easy Application without Medical Examination

• Application for Chubb Smart is simple. Medical examination is not required so you can start saving at any time.