Life is unpredictable, and being prepared for whatever comes your way makes all the difference. With Union Smart Investor, we help you reach your financial goals without the stress of long-term commitments.

• Pay premiums for the first 5 years only and enjoy protection for up to 30 years. 
• Choose the payment mode that best fits your financial preferences and lifestyle. 
• Receive a lump sum at maturity, providing financial security when you need it most. 
• Tailor your policy with a range of optional covers to suit your unique needs*. 
• In the event of an untimely demise, the Waiver of Premium on Death will be activated, allowing your funds to continue growing and ensuring that your intended maturity benefit is delivered to your loved ones. 

* Refer to the Union Smart Investor product brochure to review all available cover options.

• Minimum Age of Entry : 18 years (Nearest Birthday) 
• Maximum Age of Entry : 65 years (Nearest Birthday) 
• Cover Ceasing Age : 75 years (Exact)
• Policy Term : 10 - 30 years
• Premium Paying Term : 5 years (The Premium paying term for optional covers may vary based on the type of cover.)
• Premium Payment Options : Monthly | Quarterly | Half-Yearly | Yearly

• Your fund will continue to grow each month throughout the policy term, benefiting from the competitive annual dividend rates declared by Union Assurance **

** An interim dividend rate decided at the beginning of the year will be credited monthly to the individual funds during the year. The actual dividend rate to be credited will be decided at the end of each year and would depend upon the actual performance of the universal life fund during the year. Rest assured; the actual declaration will always equal to or greater than the interim dividend.