Have you ever wondered how to ensure your family's financial security long after you're gone? Or how to protect your business from unexpected setbacks? If these questions have crossed your mind, you're not alone. Many successful individuals and business owners grapple with the challenge of preserving and growing their wealth while planning for the future. This is where Prestige Harvest , a unique offering from Great Eastern, comes into play.
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Prestige Harvest is a US Dollar-denominated universal life plan designed to offer high insurance coverage while helping you enhance your wealth. It's not just an insurance policy; it's a comprehensive financial tool that allows you to create a lasting legacy, achieve your financial goals, and enjoy peace of mind during your golden years .
Create an immediate estate worth at least USD 0.5 million to secure your family's future.
Enhance your wealth with attractive crediting rates, including a guaranteed rate for the first three years.
Ensure your heirs have access to funds when they need it most.
Protect your business against the loss of key personnel.
Choose between single premium or regular premium plans with payment terms from 2 to 10 years.
Enjoy protection against Death and Terminal Illness throughout your life.
| Age | What suggestion covers | Premium |
|---|---|---|
| 25, Female making $6,800 a month | death tpd $300,000 disability income $5,100 personal accident $300,000 late critical illness $300,000 early critical illness $300,000 | $501.55 |
Guaranteed crediting rate for the first three policy years
Loyalty crediting rates starting from the 11th year
Potential for long-term wealth accumulation
Create an immediate estate of at least USD 0.5 million
Safeguard your loved ones' lifestyle
Enable future generations to build on your success
Provide essential liquidity in case of loss of a key person
Option to change the life assured after the first policy year (conditions apply)
Ensure business continuity during challenging times
Choose between single premium or regular premium plans
Option for partial withdrawals or full surrender if needed
Adapt the policy to your changing circumstances
Prestige Harvest offers lifetime coverage against Death and Terminal Illness . The benefits payable depend on when the event occurs:
John, a 35-year-old businessman, purchases a 10-year regular-premium plan with a sum assured of USD 5 million. With total premiums of approximately USD 1 million, he increases his total estate by USD 4 million, significantly boosting his retirement fund while maintaining the legacy for his children.
Mr. Tan, who owns three successful businesses, purchases a USD 5 million single-premium Prestige Harvest plan for each business. This ensures business continuity, provides flexibility to change the life assured, and offers a substantial payout to keep the business running if a key person passes away.
Founded in 1908, Great Eastern is a trusted brand in Singapore and Malaysia.
Over S$100 billion in assets and more than 13 million policyholders.
Assigned "AA-" financial strength and counterparty credit ratings by Standard and Poor's since 2010.
A subsidiary of one of the world's most highly-rated banks, with an Aa1 rating from Moody's.
No, it's only available in US Dollars. Be aware of potential foreign exchange volatility risk if USD is not your home currency.
Yes, but only for single premium policies with no premium financing or regular premium policies with planned premiums fully paid up. This is subject to underwriting and other terms and conditions.
Yes, from the 11th to 15th policy year, you can withdraw up to 5% of the policy's account value annually without incurring withdrawal charges.
Full surrender is possible but subject to surrender charges.
Yes, the minimum sum assured is USD 0.5 million.
Prestige Harvest offers a unique combination of wealth enhancement, legacy planning, and business protection . It's designed for individuals who want to secure their family's future or protect their business interests while still enjoying financial flexibility.
However, as with any significant financial decision, it's crucial to consider your personal circumstances, financial goals, and risk tolerance. Here are some points to ponder:
If you answered yes to these questions, Prestige Harvest might be an excellent fit for your needs. However, it's always wise to consult with a financial advisor who can provide personalized advice based on your specific situation.
Ready to explore how Prestige Harvest can secure your legacy and protect your future? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on how Prestige Harvest or similar products can fit into your financial strategy. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best strategy for your legacy and wealth protection needs. Don't leave your family's future to chance – get the expert advice you deserve today .
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