Saving InsuraNce
LionTycoon Beyond 2： Wealth protection and accumulation
Guaranteed Cash Value
The Plan grows over the years with a cash value that is guaranteed to help secure your wealth.
Terminal Dividend
From the Policy Anniversary upon the end of the Premium Payment Term, the Plan provides Terminal Dividend for an extra growth of your wealth. Terminal Dividend is not guaranteed and Generali will pay the Terminal Dividend upon policy surrender (whether in full or part), early termination (e.g. death of the Insured or lapse of the Policy) or expiration of the Policy.
Benefit Accumulation Account
Knowing you may want more certainty as you progress through life, the Plan allows you to turn the non-guaranteed amount to guaranteed through the specially designed Benefit Accumulation Account. You may allocate the non-guaranteed Terminal Dividend and/or partial surrender amount to this account. After allocation, the amount will be vested and you may earn non-guaranteed interest by leaving it in this account.
Flexible access to your wealth for realizing your financial goals
The Plan offers you great flexibility for managing your savings in the Policy and cash flow to suit your personal needs.
Flexibility to lock-in Terminal Dividend for securing market upside
Starting from 15th Policy Anniversary onwards, you may apply for Terminal Dividend Lock-in Options to control over your projected return from Terminal Dividend. Subject to Generali’s approval and the relevant terms and conditions, you may opt to lock-in the Terminal Dividend automatically through Regular Lock-in Option or manually through Flexi Lock-in Option. After locked-in, you may leave the Terminal Dividend in the Benefit Accumulation Account for accumulating non-guaranteed interest or cash it out.
Various cash withdrawal options
You may partially surrender the Policy automatically on annual interval or manually, to cash out from the Policy. You may also accumulate the partial surrender amount in the Benefit Accumulation Account for non-guaranteed interest. You can flexibly withdraw savings from the Benefit Accumulation Account at any time to accommodate your financial needs.
Investment Strategy
The investment strategy behind our latest premium long-term participating savings and life plan, LionTycoon Beyond 2, is a truly bespoke plan that aims to provide long-term return which balance between the risks and rewards. The multi-assets strategy invests fixed income and non-fixed income asset, with global coverage spanning across America, Europe, Asia Pacific, and Emerging Market.
The investment strategy behind our latest premium long-term participating savings and life plan, LionTycoon Beyond 2, is a truly bespoke plan that aims to provide long-term return which balance between the risks and rewards. The multi-assets strategy invests fixed income and non-fixed income asset, with global coverage spanning across America, Europe, Asia Pacific, and Emerging Market.
Our asset allocation approach allows us to dynamically configure asset class mix in the portfolio - the non-guaranteed dividend will greatly benefit from the non-fixed income asset exposure over the years of the policy.
Generali has appointed an expert global independent investment manager, Invesco Advisers, Inc., to oversee LionTycoon Beyond 2‘s portfolio and appointed BNP Paribas Singapore as a custodian to safekeep the asset within LionTycoon Beyond 2‘s portfolio.
Drawing on our investment manager’s experiences in the field and their extensive Capital Market Assumptions that cover more than 140 asset classes globally, this multi-asset portfolio will be crafted with well diversified exposure to quality issuers around the world, ranging from Equities, REITs to Fixed Income.
Invesco is an independent investment management firm and one of S&P 500’s constituent stocks. With access to worldwide network of investment professionals with diversified expertise in investment style and asset classes, Invesco manages over US$ 1 trillion of assets around the globe, and operates in over 25 countries.
Support you against financial difficulties
The extended benefits embedded in the Plan will always support you under different unexpected circumstances, allowing you and your loved ones to sit back and enjoy life at ease.
Extended Grace Period Option
From the 1st Policy Anniversary onwards, you may extend the Grace Period from 30 days to 180 days (“Extended Grace Period”) with the Extended Grace Period Option to relieve any pressing financial urgencies without worrying about losing protection from your Policy. You can exercise this option once during the Premium Payment Term.
Premium Holiday Option
From the 2nd Policy Anniversary and before age 70 of the Insured, you may take a Premium Holiday of up to 2 years to cater for financial needs. During the Premium Holiday, Generali will defer your premium payment, while keeping all cash values same as the date before the Premium Holiday. You will still enjoy protection under the Plan during the Premium Holiday.
Accidental Death Benefit
In the event of unfortunate death of the Insured due to an Accident, Generali will pay the Death Benefit together with an additional Accidental Death Benefit. The Accidental Death Benefit is equivalent to 200% of Total Premiums.
In case such accidental death is due to designated events (please refer to the “Plan Summary”), Generali will double the Accidental Death Benefit to a total of 400% of Total Premiums, to help your beloved overcome the sudden hardship.
Optional Supplementary Benefits for further protection
The Plan offers optional Supplementary Benefits; you can always choose to top up your protection by adding more comprehensive coverage. Please contact your Insurance Advisers or Generali’s Representatives to find out more.
Legacy planning for your loved ones
Pass your wealth and protection to your next generations infinitely and hassle free.
Pass on the Policy through generations
You may exercise any of the following Legacy Planning Option to pass your wealth and protection of the Policy down through generations infinitely and in a hassle-free manner. Once you have exercised the option, the policy values will continue to grow over time and the benefit term will be adjusted to last until age 138 of the new Insured.
- Change of Insured: You can change the existing Insured of the Policy to the proposed new Insured.
- Policy Continuation: If the Insured dies, the designated beneficiary will become the new Insured and/or the new Policyholder.
Policy Split Option
You may choose to pass your Policy to more than one of your beloved by exercising the Policy Split Option. Through this option, you can split your Policy into multiple policies of LionTycoon Beyond 2 by transferring a portion of the policy values from your Policy to a separate policy(ies), subject to Generali’s prevailing administrative rules. After the split, you may change the Insured and/or Policyholder of the Split Policy. With this flexibility, you can plan your legacy and transfer your wealth with hassle-free.
Death Benefit
Upon your unfortunate death during the benefit term, Generali will pay a Death Benefit equivalent to:
The higher of (i) 100% of Total Premiums Paid; and (ii) Guaranteed Cash Value and Terminal Dividend
+Balance of Benefit Accumulation Account (if any)
-Indebtedness (if any)
3 choices of Death Benefit Payment Option
You may choose how the Plan pays the Death Benefit together with the Accidental Death Benefit (if any) and any death payment from Supplementary Benefit(s) attached to the Policy (“Total Death Payment”) according to your elected Death Benefit Payment Option. You may pass your accumulated legacy to beneficiary through the form of a lump sum payment; or gradually through monthly installment payment or partial payment to earn guaranteed interest for your loved ones.
