Single Premium Index-Linked

Cathay Life OIU Zhi-Xiang-Ying USD Indexed Universal Life Insurance

Participate in index growth with a focus on wealth building and legacy planning.

Issue Age

Age 18-80；The proposer must be at least 18 years old.

Product Highlights

Flexibly allocate between the fixed income account and the index-linked account
Fixed Income Account: Accumulates policy value based on a declared interest rate
Index-Linked Account: Participates in index gains with downside protection, offering long-term growth potential
Starting from policy year 6, death benefit equals 2-5 times the single premium paid — helping you leave a lasting legacy to loved ones

Benefit Items

Death Benefit
TPD※ Benefit
Survival Benefit

※ TPD = Total Permanent Disability

Premium Term

Single Premium

Coverage period

Lifetime (Up to age 105)

Basic Insured Amount

USD 300,000 – 3,000,000

Premium Payment Limits

Amount: USD 100,000 to 1,500,000
Basic Insured Amount to Premium Ratio: 2 to 5
Premium must be in multiples of USD 10

Net Premium Allocation

Index-Linked Account	Fixed Income Account
0%	100%
25%	75%
50%	50%
75%	25%
100%	0%

Fees and Charges

Policy Fee

Policy Fee = Single Premium Paid × Policy Fee Rate
Policy Fee Rate: 10%

Cost of Insurance

Deducted monthly from the policy value reserve.
For full details, please refer to Appendix II of the policy terms.

Surrender Charge

1. Payment of Surrender value
”Policy Value Reserve as of the next business day following the surrender application” × “Surrender Charge Rate applicable to the policy year at the time of the application”
2. Payment of Partial Withdrawal
”Partial Withdrawal amount” x “Surrender Charge Rate applicable to the policy year at the time of the Partial Withdrawal application”

Policy Year	Surrender Change Rate	Policy Year	Surrender Change Rate
1	25%	9	7%
2	25%	10	6%
3	25%	11	5%
4	25%	12	4%
5	25%	13	3%
6	10%	14	2%
7	9%	15	1%
8	8%	16~	0%

Other Information

※This product provides no guarantees on future returns.
※The content on this page is for informational purposes only. Please refer to the policy terms and conditions for complete details.

Attachments & Links

Fixed & Index Account Rate Information S&P 500 Price Lookup

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