Plan ahead and enjoy your wonderful retirement life

An early and affluent retirement life is one of the best dreams of everyone. This dream can come true easily if you plan ahead. Therefore, it’s time for you to start planning to achieve this goal.

Enjoy the Essence of a Carefree Retirement Life

Choose Your Own Retirement Age

To make the retirement target clear, you can select your retirement dream freely at age 45, 50, 55, 60, 65, 70, 75, 80 at the time of application.

Safeguard Your Family’s Future

1. Free waiver of premium will be offered to Policy Owner with occupation classes 1 & 2 only.

Various Withdrawal Options

At the time of your retirement age, you may choose from the below ways to receive your lifetime retirement income.

• Withdraw one lump sum payment of 100% of the investment account; OR
• Withdraw one lump sum payment of any percentage in the investment account. The account balance will be given to you on a monthly basis up to age 85 and you can continue to enjoy the dividend as well.

Lifelong Financial Security

Upon policy maturity, you may use the balance of the investment account to purchase a life annuity at the available value. So, without paying any additional premium, you can enjoy regular monthly income as long as you live.

Grow Your Wealth at Ease

Future Premium Deposit Facility

You may choose to pay your premium in advance through our Future Premium Deposit Facility at policy anniversaries if you have applied for annual payment.

Lump Sum Injection

You can deposit extra money as a lump sum injection at any time into the investment account to speed up your savings.

Extra Flexibility

The Plan also offers you the following extra benefits:

5 Currency Options and Convenient Payment Mode

There are 5 currency options for the Plan, you may choose from HKD, USD, GBP, AUD and EURO as plan currency. You may also select to pay in monthly, semi-annual or annual method.

Premium Holiday

In case of any financial needs or emergency, you can request a premium holiday to suspend the premium payment with all benefits remain unchanged.

Early Cash Withdrawal

In case of any financial needs, you can apply for a policy loan and withdraw up to 90% of your policy cash value before policy maturity to ease your needs.

90-day Policy Reinstatement Period

Even if you have forgotten to pay the premium, no insurability evidence is required for applying policy reinstatement within 90 days from the due date of the unpaid premium.

Cooling-off period

To let you fully understand the details of the Plan, there is a Cooling-off Period. You may cancel and return the policy together with a written notice signed by you within 21 days after the date of application; or 14 days from the policy issue date as specified in the policy schedule of the policy; or 14 days after the date of copying the Customer Protection Declaration to your existing insurer if your policy is a replacement; or 5 days after the issuance of the notification letter of the availability of the policy, whichever is later. Total paid premium will be refunded to the Policy Owner.

Better Estate Transfer Arrangement

In the unfortunate event of death of the Life Insured, your beneficiary can receive the death benefits quickly and smoothly without going through the complicated and time-consuming estate probate process.

Details of Golden Retirement Plan

2. If you select currency other than HKD as plan currency, your monthly premium will be denominated in that plan currency and converted into HK Dollar for payment at the exchange rate determined by Zurich Life at the time of payment.

Important notes:

• This page is only a summary of the Plan and is not a contract of insurance. For more details, please refer to the product brochure and policy document of the Plan.

• Zurich Life Insurance Company Limited ("Zurich Life") is the insurance underwriter of the Plan and is solely responsible for all coverage and compensation.

• ICBC (Asia) is not responsible for any liability under policies underwritten by Zurich Life.

How to find out more

• Email us
• Phone our enquiry hotline on 2903 9368
• Visit any of our branches

The information contained in this webpage is designed to serve as an introduction only. For all relevant clauses and details, you should refer to the insurance contract.