What is a Universal Life plan?

A Universal Life plan supports estate or business planning through providing lifetime coverage. Universal Life has cash value which accumlates at a rate declared by us, and under which there are two distinctive benefits:

  • Flexibility of premium payment, adjustment of sum assured and access to cash value
  • Crediting interest rate and charges and are transparent



Universal Life Alpha (Hong Kong) - Life protection and cash value accumulation

Universal Life Alpha (Hong Kong) is specifically designed to meet the distinct needs of new generation of High Net Worth (HNW) individuals. Amongst other benefits, it offers competitive pricing, high flexibility and long-term cash value growth potential – attributes valued by the new HNW generation when considering universal life policies for estate and business succession planning.

Highlights

  • Lifetime coverage:
    As long as a certain account value is maintained and premiums are paid.
  • Cash value growth potential:
    Earns a steady stream of interest at a rate we declare (never lower than 2% per annum).
  • Liquidity intact:
    Withdraw or take a loan from your policy when needed.
  • Flexibility:
    You're free to decide the amount and frequency you pay for your policy.
  • Transparency:
    Refer to your annual statement for the interest credited and charges taken from your policy.

Our distribution network allows our business partners including independent brokers to distribute our universal life insurance policies and they can explain all the details about our products to help meet your customers' needs. For enquiries, please click here.

Download Product Summary 

Remarks:
Loans and withdrawals will affect the account values and net cash value and may affect the death benefit. The product details are at all times subject to the terms and conditions of your policy contract.

Transamerica Life Bermuda Universal Life Alpha (Hong Kong) (Policy Form No. UL18 HK) is a universal life insurance policy issued by Transamerica Life (Bermuda) Ltd., a company incorporated in Hamilton, Bermuda. Policies to which the above information relate are available in Hong Kong.

Insurance eligibility and premiums are subject to underwriting. In the event of suicide during the first two policy years, death benefits are limited to the return of premiums paid (less any withdrawals, outstanding policy loans and loan interest due).

Universal Life Alpha (Singapore) - Life protection and cash value accumulation

Universal Life Alpha (Singapore) is specifically designed to meet the distinct needs of new generation of High Net Worth (HNW) individuals. Amongst other benefits, it offers competitive pricing, high flexibility and long-term cash value growth potential – attributes valued by the new HNW generation when considering universal life policies for estate and business succession planning.

Highlights

  • Lifetime coverage:
    As long as a certain account value is maintained and premiums are paid.
  • Cash value growth potential:
    Earns a steady stream of interest at a rate we declare (never lower than 2% per annum).
  • Liquidity intact:
    Withdraw or take a loan from your policy when needed.
  • Flexibility:
    You're free to decide the amount and frequency you pay for your policy.
  • Transparency:
    Refer to your annual statement for the interest credited and charges taken from your policy.

Our distribution network allows our business partners including independent brokers to distribute our universal life insurance policies and they can explain all the details about our products to help meet your customers' needs. For enquiries, please click here.

Download Product Summary 

Remarks:
Loans and withdrawals will affect the account values and net cash value and may affect the death benefit. The product details are at all times subject to the terms and conditions of your policy contract.

Transamerica Life Bermuda Universal Life Alpha (Singapore) (Policy Form No. UL19 SG) is a universal life insurance policy issued by Transamerica Life (Bermuda) Ltd., a company incorporated in Hamilton, Bermuda. Policies to which the above information relate are only available in Singapore.

Insurance eligibility and premiums are subject to underwriting. In the event of suicide during the first two policy years, death benefits are limited to the return of premiums paid (less any withdrawals, outstanding policy loans and loan interest due).

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Transamerica Life (Bermuda) Ltd. or visit the Life Insurance Association of Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Universal Life Alpha (Bermuda) - Life protection and cash value accumulation

Universal Life Alpha (Bermuda) is specifically designed to meet the distinct needs of new generation of High Net Worth (HNW) individuals. Amongst other benefits, it offers competitive pricing, high flexibility and long-term cash value growth potential – attributes valued by the new HNW generation when considering universal life policies for estate and business succession planning.

Highlights

  • Lifetime coverage:
    As long as a certain account value is maintained and premiums are paid.
  • Cash value growth potential:
    Earns a steady stream of interest at a rate we declare (never lower than 2% per annum).
  • Liquidity intact:
    Withdraw or take a loan from your policy when needed.
  • Flexibility:
    You're free to decide the amount and frequency you pay for your policy.
  • Transparency:
    Refer to your annual statement for the interest credited and charges taken from your policy.

Our distribution network allows our business partners including independent brokers to distribute our universal life insurance policies and they can explain all the details about our products to help meet your customers' needs. For enquiries, please click here.

Download Product Summary

Remarks:
Loans and withdrawals will affect the account values and net cash value and may affect the death benefit. The product details are at all times subject to the terms and conditions of your policy contract.

Transamerica Life Bermuda Universal Life Alpha (Bermuda) (Policy Form No. UL18 BM) is a universal life insurance policy issued by Transamerica Life (Bermuda) Ltd., a company incorporated in Hamilton, Bermuda. Policies to which the above information relate are available in Bermuda.

Insurance eligibility and premiums are subject to underwriting. In the event of suicide during the first two policy years, death benefits are limited to the return of premiums paid (less any withdrawals, outstanding policy loans and loan interest due).