Introducing Prestige Harvest: Secure Your Legacy
In today's uncertain world, ensuring financial security for your loved ones is paramount. Whole life insurance offers a powerful solution to protect your family's future and build lasting wealth. Great Eastern's Prestige Harvest is a premium US Dollar-denominated universal life plan designed to help you create an enduring legacy. With high insurance coverage and attractive wealth enhancement features, Prestige Harvest empowers you to secure your family's financial well-being and achieve your long-term financial goals. Let's explore how this innovative product can help you leave a lasting impact for generations to come.
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Comprehensive Coverage and Benefits
Prestige Harvest offers a range of robust coverage options and benefits to protect you and your loved ones. From substantial death benefits to protection against critical illnesses, this plan provides comprehensive financial security. Let's delve into the key features that make Prestige Harvest stand out:
Substantial Death Benefit
Prestige Harvest provides lifetime coverage against Death and Terminal Illness, starting from USD 0.5 million. This ensures your beneficiaries receive significant financial support in the event of your passing.
Guaranteed Cash Value
Enjoy an attractive guaranteed crediting rate for the first three policy years, optimizing your wealth potential without worrying about market volatility. This feature helps build a stable cash value over time.
Loyalty Bonuses
Benefit from loyalty crediting rates starting from the 11th year of your policy, increasing the value of your assets over time. This non-guaranteed bonus enhances your overall returns.
Terminal Illness Coverage
Prestige Harvest includes coverage for Terminal Illness, providing financial support during challenging times. The benefit is equivalent to the death benefit, offering peace of mind.
Investment and Savings Components
Prestige Harvest combines protection with wealth accumulation, offering you the opportunity to grow your assets over time. The plan's investment and savings features are designed to optimize your financial potential while providing flexibility. Here's an overview of the key investment and savings components:
Attractive Crediting Rates
Enjoy an attractive guaranteed crediting rate for the first three policy years. After this period, the rate will be based on the prevailing rate determined by the Company, allowing for potential growth.
Flexible Premium Options
Choose between a single premium plan or a regular premium plan with payment terms from 2 to 10 years. This flexibility allows you to align the policy with your financial situation and goals.
Partial Withdrawal Option
From the 11th to 15th policy year, you may withdraw up to 5% of the policy's account value annually without incurring withdrawal charges. This provides liquidity when needed without reducing the sum assured.
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Customizable Riders
Prestige Harvest offers flexibility to tailor your coverage to your specific needs. While the product details don't explicitly mention riders, the plan does provide options to enhance your protection. Here are some key features that function similarly to riders:
Business Continuity Protection
Safeguard your business interests with essential liquidity in case of the sudden loss of a business partner or key person. This feature helps keep your business running with a lump-sum payout.
Changeable Life Assured
For single premium policies with no premium financing or regular premium policies with fully paid planned premiums, you can change the life assured after the first policy year. This flexibility is particularly useful for business owners.
Policy Loan and Surrender Options
Prestige Harvest provides flexibility in accessing your policy's value when needed. Whether you require funds for unexpected expenses or wish to surrender your policy, there are options available. Here's an overview of the policy loan and surrender features:
Partial Withdrawals
From the 11th to 15th policy year, you can withdraw up to 5% of the policy's account value annually without incurring withdrawal charges. This provides access to funds without reducing the sum assured.
Full Surrender Option
You have the option to fully surrender your policy if needed. However, this is subject to surrender charges, which may impact the value you receive.
Flexible Cash Flow
The policy allows you to free up your cash flow through partial withdrawals or full surrender, providing financial flexibility when circumstances change.
Claims and Customer Service
Great Eastern is committed to providing excellent customer service and a smooth claims process. To file a claim or seek assistance, policyholders can contact Great Eastern's customer service team at +65 6248 2211. Alternatively, you can visit their website at greateasternlife.com for online resources and support. For email inquiries, reach out to [email protected]. Great Eastern's experienced team is dedicated to guiding you through the claims process and addressing any questions or concerns you may have about your Prestige Harvest policy.
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Is Prestige Harvest Right for You?
Prestige Harvest is an excellent choice for individuals seeking to create a lasting legacy while enjoying financial security. This product is particularly well-suited for high-net-worth individuals looking to enhance their wealth and provide substantial financial protection for their loved ones. Business owners can also benefit from Prestige Harvest's features that safeguard business continuity. Additionally, those seeking a flexible, US Dollar-denominated universal life plan with attractive crediting rates may find Prestige Harvest to be an ideal solution.
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