Protection Contents
1. Smart Saving
If the death happens during the effective period of the policy, the Company will pay the higher of sum assured and accumulated cash value; if the insured is below 4 years old, the company will pay sum assured in proportion to his age according to the policy.
2. Total Disability Benefit
If total disability happens during the effective period of Policy, the Company will pay sum assured.
3. Living Coupon
If the insured survives every 3rd anniversary of Policy, the Company will pay 3%, 6%, 9%, 12%, 12% and 12% respectively, 54% in all.
4. Maturity Benefit
If the insured is still alive at the 21st anniversary of Policy, the Company will pay 150% of sum assured.
5. Other Benefits
A.Cash value
B.Annual dividend"

Issue Age
30 days-60 years old

Premium Payment Period
21 years

Policy Term
21 years