mGrow 615

Short premium payment 6 years, long coverage 15 years

30 days –
70 years old

15 year coverage

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Office Hours Mon - Fri 8.30am - 8.00pm

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Steadily grow your portfolio of life with unit-linked insurance. Pay premium for only 6 years to receive 15-year coverage period which can be extended until attaining the age of 99*. You can also receive the loyalty bonus at the beginning of policy year 7 at 2%**.

Additional Coverage

Enhance your protection with health and critical illness riders, under a fixed premium throughout the contract (UDR rider), such as

The coverage period must not exceed the coverage period of the life insurance policy that this rider is attached to, and only as long as the investment value is sufficient to pay for the insurance of the riders.

Premium (excluding the investment portion) of this insurance is eligible for personal income tax deduction. Conditions are as specified by the Revenue Department.

Please study details of the coverage, exclusions and risks before making a decision to purchase insurance.

Comparison of Ordinary Life Insurance, Unit-Linked, Universal Life and Mutual Fund

Comparison	General Life Insurance	Unit-Linked	Universal Life	Mutual Fund
Coverage	Fixed amount in % of the sum insured amount	Chance to receive greater coverage than the sum insured if the investment value adjusts upwards.	Chance to receive greater coverage than the sum insured if the investment value adjusts upwards.	No life coverage (only investment unit redemption value)
Health	Able to purchase health riders	Subject to the Company's conditions		Unable to purchase health riders
Benefits to the Heirs	Directly payable to the heirs (named beneficiaries)			Must establish an inheritance fund/ administrator of an estate, or proceed through the court which can be complicated and time-consuming.
Investment Policy	Investment by the Company	Investment by the customer	Investment by the Company	Investment by the customer
Return/Risk	• Certain but low • Low risk	• Uncertain but with the possibility of higher/lower returns • Medium to high risk (depends on the selected fund)	• Guaranteed minimum returns and potential for higher returns. • Low risk	• Uncertain but with the possibility of higher/lower returns • Medium to high risk (depends on the selected fund)
Tax Benefits • Personal Income Tax	Premium of the base policy + premium of health riders	Only the premium portion for expenses (cost of insurance + fees), excluding the investment portion	Premium	Based on the criteria of the funds (only RMF, SSF and TESG)
Withdrawal(Liquidity)	No Policy loan required (with interest)	Partial withdrawal available		Investment unit redemption
Flexibility	-	Coverage adjustment, premium holiday and top-up premium		Fund switching
Expense Disclosure	Not explicitly disclosed	Explicitly disclosed
Suitable for	Those who need life and health coverage without expecting investment returns	Those who are looking for convenience, an all-in-one solution for both life and health coverage, with the expectation of substantial investment returns	Those who need life and health coverage with guaranteed returns, along with the opportunity for potentially higher returns.	Those who have investment knowledge and can tolerate investment risks as well as expecting returns according to the risk acceptance level

Things to know about unit-linked and universal life insurance

Warning : Please study the details of coverage, conditions and risks before making a decision to purchase insurance. Past performance of the fund is not a guarantee of future results. Investors should study information about mutual funds, especially the investment policy, risks and fund performance disclosed in various sources or should request more information from an investment advisor before making investment decisions. Investors should study information about tax benefits in the investment handbook.

⁽¹⁾ Greater coverage is subjected to age, gender, health, and investment return.
⁽²⁾ Cost of insurance of the rider is deducted from account value.