- Simply pay a single upfront premium for protection up to age 88
- A practical solution without recurring payments
Live More Prosperously with Extra Protection
X-Tra Wealth Link Insurance is a life insurance and investment product in USD with a single upfront premium payment. This product provides financial protection for your family as well as opportunities for fund growth through various global investment options. With this flexibility, you can adjust your strategy according to your long-term financial goals.
Why Is Diversification Important?
Diversification is one approach to help manage investment risk by spreading funds across various asset choices or investment instruments. Through X-Tra Wealth Link Insurance, you can access global investment options in USD that can be adjusted to your risk profile and long-term financial goals.
Key benefits
#GetWealthEasy
#GetWealthOptimized
- Access global markets with diversified USD investments
- Options that suit your risk profile
#GetWealthAccumulated
- Funds grow according to investment performance to support long-term financial goals
- Additional periodic investment bonuses
#GetWealthExpanded
- Flexibly withdraw part of your funds and make additional investments anytime
- Supports various financial needs
#GetWealthSimplified
- A combination of protection and investment
- Streamlined financial planning, with guaranteed policy issuance for accumulated Sum Assured up to USD 100,000.
How This Product Helps
A Practical Solution for Busy Professionals
Sinta, 35, is a professional who wants to prepare long-term financial security for her family while growing funds for future needs, such as her child’s education and retirement planning. Amid her busy schedule, she needs a practical solution that does not require recurring premium payments. Through X-Tra Wealth Link Insurance, Sinta can combine life protection and global investment opportunities in USD through a single payment, making her financial planning simpler and more focused.
Optimize Investment through Global Diversification
Dina wants to increase her investment return potential with a more focused strategy. She chooses a combination of global funds, such as Alpha Grow Fund to drive growth and Gold Fund as a balance when markets fluctuate. With USD diversification, her portfolio can become more resilient and better positioned to capture opportunities across market conditions, helping her work toward her financial goals more optimally.
Build a More Focused Financial Future
Andi, 40, wants to prepare a stable retirement fund for his future. He needs a practical solution that allows him to build funds in a disciplined way without having to manage various investment instruments separately. Through X-Tra Wealth Link Insurance, Andi can benefit from potential investment growth and additional periodic bonuses through one product with a single upfront payment, making his retirement planning more focused and well managed.
How This Product Helps
1. What is X-Tra Wealth Link Insurance?
X-Tra Wealth Link Insurance is an investment-linked life insurance product in USD that provides financial protection for you, as well as potential fund growth through placement in various global investment options with a single premium payment made at the start of the insurance application.
2. What are the main benefits of this product?
You receive life protection against the risk of death, potential fund value growth from the invested premium, and an additional benefit in the form of an Investment Benefit Bonus in accordance with the Policy provisions.
3. How is the premium paid?
You only need to make one upfront payment (single premium).
4. Can the funds grow?
Yes, your funds can grow according to the performance of the selected investment, and you can also grow your investment funds through the Top-Up facility.
5. Can the funds be withdrawn?
Yes, you can make a partial withdrawal or withdraw funds at the end of the protection period. The Policy Owner has the right to withdraw the Policy Owner’s Investment Fund Value, either partially or in full, provided that the minimum balance requirements and minimum withdrawal amount set by the Insurer from time to time are met. Withdrawal fees will be charged by the Company in accordance with the Policy provisions.
6. What currency is the investment made in?
Your investment is made in USD.
7. Is there an investment bonus?
Yes, in the form of additional Units equal to 0.35% of the average Investment Fund Value formed at the end of the current Policy Year, which will be provided starting at the end of the 5th Policy Year and thereafter as long as the Policy provisions are fulfilled.
8. How long does the protection last?
Protection lasts until you reach age 88.
9. Are there any risks in this product?
Yes. This product has investment risk, risk of claim rejection in accordance with the Policy provisions, inflation risk, Policy cancellation risk due to unfulfilled requirements or obligations, as well as risk of fluctuating investment returns that may affect the benefit value and investment growth.
10. Who is this product suitable for?
This product is suitable for you if you want life protection as well as long-term investment.
This product is an insurance product linked to investment. Investment value may fluctuate and is not guaranteed. To help you better understand the product benefits and provisions, we kindly ask you to read and study the Policy provisions after you receive your Policy.