China/South East Asia
+852 8191 7420
LIFE INSURANCE
from $10
It’s never a good idea to try to delay the inevitable. Safeguard your family’s financial future now with an affordable life insurance plan and expert advice from Expat Insurance Asia.
Need health cover too? Ask about our family plans!
Nothing is more important than making sure your loved ones are safe and protected. Call us now at (+86) 021 5117 5153 to keep your family’s health and future secure with a cost-effective insurance solution.
If you already have your family’s health covered with Expat Insurance Asia and one of our trusted health insurance partners, then the next step is to consider an affordable life insurance plan to safeguard your family’s financial future. While it’s never a pleasant subject to think about, in the event of your death your family or business could become financially vulnerable. Nothing can replace you, but money provided at the right time will ensure that your family will be financially secure without you.
Our expert advisors are honored to be able to bring you peace of mind during the times when your family needs it most. Expat Insurance Asia has helped thousands of families across Asia with their life protection and other financial needs, so get started by reviewing the details on our available life insurance products and requesting a free, no-obligation and impartial quote below.
Safeguard Your Family’s Future
Guaranteed universal life (GUL) insurance policies provide a death benefit as well as the opportunity to build policy cash value. This coverage is different from term and whole life insurance because, within policy limits, you can vary the amount and timing of your premiums. Typically, you can also increase or decrease your death benefit (based on your insurability). As long as you maintain sufficient policy value to keep your policy in-force, your policy’s flexibility enables you to pay premiums as your circumstances allow.
Your cash value in a GUL policy is determined by the amount of premiums you pay, the declared interest crediting set by the insurance company, and policy charges.
As a policyholder, you have more flexibility with GUL than with whole life, but you assume additional risk. GUL policies usually have fewer guarantees than whole life coverage, so you must carefully manage premium payments and any distributions taken to help ensure your policy will stay in-force. This type of life insurance policy usually offers a built-in no lapse guarantee that can last for the lifetime of the insured life or for a shorter period selected by the policyholder.
