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
Cost of Insurance
Surrender Charge
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.
