LegendPower Life Insurance Plan

Designate a Contingent Owner and Contingent Insured, plus the flexibility to apply  Change of Life Insured for an unlimited number of times to easily pass on the policy to the next generation as long as the policy remains in force. 

If the policy remains in force after the 5^th Policy Year, the Policyholder can choose to lock in a portion of the plan's Guaranteed Cash Value and non-guaranteed Special Dividend (if any) to mitigate the impact of market fluctuations. Policyholders can also withdraw the Policy Value Management Balance anytime to enjoy flexible capital liquidity for any personal and family needs.

A lump-sum non-guaranteed Special Dividend (if any) may be payable to you, the Beneficiary(ies) or the Mental Incapacity Benefit Recipient in the event of the death of the Life Insured (unless there is a Contingent Insured on “Hang Seng Insurance”record who becomes the new Life Insured in accordance to policy terms), cancellation, lapse or termination of the policy or surrender, whether in full or in part and any payment of Mental Incapacity Benefit (whichever is the earliest).

As long as the Life Insured is eligible to apply for “LegendPower”, regardless of the underwriting history, occupation, health and financial status, he/she will enjoy guaranteed acceptance without any requirement for medical examination.

• Mental Incapacity Benefit Plus
• Accidental Death Benefit

Same premium rate applies regardless of Insurance Age or sex of the Life Insured. Even if Contingent Insured becomes new Life Insured upon the death of original Life Insured during premium payment period, premiums remain unchanged.