Union Smart Wealth Builder offers the ideal solution to help you build a fund that turns your dreams into reality – without the burden of long-term commitments, all while enjoying comprehensive protection.

• Pay premiums for the first 5 years only and enjoy protection for up to 40 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 or total permanent disability, the Waiver of Premium benefit will be activated, allowing your funds to continue growing and ensuring that your intended maturity benefit is delivered to you and your loved ones. 
• Additional financial protection for your loved ones in the event of the life assured's unfortunate demise due to an accident. 
• Earn a loyalty bonus** at maturity upon the successful completion of all due premiums.

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

** Loyalty bonus percentage will vary according to the policy term and the annual premium.

• 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 - 40 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.