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Your Guaranteed Cash Coupon1
Smart Saver lets you enjoy guaranteed Cash Coupon1 equivalent to 5% of the sum insured starting from the second policy anniversary until maturity. You may choose to withdraw the Cash Coupon1 to spend as you wish or to meet any financial emergencies. You can also use the Cash Coupon1 to offset future premiums or keep the Cash Coupon1 in the policy to accumulate interest at 3.75%2 per annum for potentially attractive returns.
Maturity Benefit
Upon maturity, you will receive a final guaranteed Cash Coupon1, making a total of up to 120% of sum insured, plus a projected maturity bonus3.
Here is an illustration of how Smart Saver can work for you.
Male, non-smoker, age 29 with a sum insured of S$50,000 for a 21-year term and annual premium of S$4,284.40.
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Guaranteed Yearly Cash Coupon1
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| 2nd to 20th |
5% of sum insured every year
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S$2,500
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| 21 |
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| Total 120% guaranteed Cash Coupon1 |
S$60,000
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Total Maturity Value with Projected Bonuses3
(inclusive of accumulated Cash Coupon1 with interest2) |
S$128,953 |
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Total Premiums Paid
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Protection While You Save
This plan provides insurance benefits to protect you from the unexpected. Should premature Death, Total and Permanent Disability or Terminal Illness occur during the term of the policy, the full sum insured will be paid regardless of the amount of Cash Coupon1 you have received.
Enjoy Flexible Coverage
With additional premiums, you may opt to add one or more riders to provide protection against accidents, critical illnesses and hospitalisation. You also have a choice of different policy terms ranging from 13 to 25 years, with the option to limit your entire premium payment term to just 5 years.
Sign Up Today
To find out more, speak to a UOB Personal Banker today at your nearest UOB Group branch.
Find out more about our other Endowment Plans.
Notes:
1 Each yearly Cash Coupon is 5% of the basic sum insured. The first Cash Coupon is available from the 2nd policy anniversary.
2 3.75% p.a. is the prevailing interest rate and is subject to change.
3 Based on projected investment return of 5.25%p.a. As bonus rates are not guaranteed, the actual return may vary according to the future performance of the participating life fund.
Important Notice & Disclaimers:
Buying a life insurance policy is a long-term commitment. An early termination of a life policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This is not a contract of assurance. The precise terms and conditions of the plan are specified in the policy contract. The above is for your information only and does not have any regard to your specific investment objective, financial situation and any of your particular needs. You may wish to seek advice from a qualified financial adviser before making a commitment to purchase the products. In the event that you choose not to seek advice from a qualified financial adviser, you should consider whether this product in question is suitable for you.
United Overseas Bank Limited Co. Reg. No. 19350026Z
Manulife (Singapore) Private Limited Reg. No.198002116D
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