1. AFFORDABLE INSURANCE

50% Lower than endowment, w/ higher coverage and benefits. Be protected for the contigencies in life.

2. HIGHER FUND VALUE

PDF allows higher growth of funds.

3. PREMIUM DEPOSIT FUND (PDF) ADVANTAGES

Competitive Rate of Return (growth is zero negative)

Maximum total deposit of 100% of Face Amount, excluding interest earnings

Payable to beneficiaries upon death of the insured

Premium that will fall due may be deducted from the PDF, client will not need to shell out additional payment.

4. LEVEL COVERAGE RISK

Your Cash value /savings is always added to your protection/coverage.

5. EMERGENCY FUND ADVANTAGE

You already have cash value/savings on the 1st year, which you can withdraw in case of emergency.

6. PREMIUM FLEXIBILITY

Settle your contributions base on a schedule that fits your lifestyle.

7. ALTERNATIVE INVESTMENT FLEXIBILITY

Free to decide where to invest the difference.

8. ADDRESSES VARIOUS FINANCIAL NEEDS

Serves various future needs such as retirement, education, travel, savings..

9. LOW CHANCE OF LAPSATION

Premiums may be settled from your investment earnings.

10. ISSUE AGE IS 5 TO 60 YEARS OLD

Insure yourself and your whole family.

11. WITHDRAWAL (LOAN) ADVANTAGE

You can withdraw your savings anytime without any penalty; even on the 1st year you can still have the protection/coverage.