Wealth Accumulation
LionTycoon Beyond

Grow your wealth faster

Enrich your life more

LionTycoon Beyond

LionTycoon Beyond (the “Plan”) from Generali Life (Hong Kong) Limited (the “Company”) is an upgraded long-term participating savings and life plan. One Plan, Multiple Dreams; LionTycoon Beyond goes beyond a traditional savings plan, whether for a newborn, child, young adult, parents or even pre-retiree, it can fulfil multiple dreams at different stages of life. Featuring competitive projected return rates, short break-even times and flexible payment terms. This Plan is an innovative whole-life planning solution that will help you accomplish financial goals quicker and faster along every step of your life journey.


5 Key Highlights:

Double your savings foundation with potential returns

The Plan helps you double your wealth.

Flexible access to wealth for realizing your goals along your life journey

The Plan offers you great flexibility for managing your savings in the policy and cash flow to suit your personal needs.

Support you against financial difficulties

The extended benefits embedded in the Plan will always support you under different unexpected circumstances, allowing you and your loved ones to sit back and enjoy life at ease. 

Legacy planning for your loved ones

Pass your wealth and protection to your next generations infinitely and hassle free.

Investment Strategy

The investment strategy behind our latest premium long-term participating savings and life plan, LionTycoon Beyond, is a truly bespoke plan that aims to deliver superior returns, with global coverage spanning across Americas, Europe, Asia Pacific and Emerging Markets.

One Plan, Multiple Dreams

ALL
Gift for LifeGift for Retirement

Mr. Chan, age 35, wants to plan for his newborn son’s future and provide support through his son’s different stages of life. He chooses LionTycoon Beyond for his son, Simon, with an annual premium of USD 20,000 over a 5-year premium payment term.

  • From age 18 – 21, Simon withdraws a USD 35,000 per year for four years, USD 140,000 in total to support his tertiary education.
  • When Simon is 35, he withdraws a lump sum of USD 125,000 to support his expense of starting a new family.
  • By the time Simon is 60, his wealth has grown to a Total Cash Value of USD 1.152 million* that he could use for his retirement, which equates to 1,152% of Total Premiums Paid.


* Applicable to 5-year Premium Payment Term. Total Surrender Benefit includes Guaranteed Cash Value and non-guaranteed Terminal Dividend. Figures are hypothetical and strictly for illustrative purposes only. It is assumed that all premiums are paid in full when due, no withdrawals other than that mentioned, no policy loans and no policy options were made. Figures are rounded to the nearest thousand.


Mrs. Lee, age 45, wants to ensure a sufficient pool of funds so she can enjoy her retirement life. She chooses LionTycoon Beyond with an annual premium of USD 20,000 over a 5-year premium payment term.

  • Starting from age 65, she withdraws USD 20,000 per year
  • By age 85, she has received a total of USD 400,000 throughout 20 years retirement life, which equivalents to 400% of Total Premiums Paid. At that time, total cash value in the policy is USD 126,000*. She may choose to transfer the policy to her next generations.


* Applicable to 5-year Premium Payment Term. Total Surrender Benefit includes Guaranteed Cash Value and non-guaranteed Terminal Dividend. Figures are hypothetical and strictly for illustrative purposes only. It is assumed that all premiums are paid in full when due, no withdrawals other than that mentioned, no policy loans and no policy options were made. Figures are rounded to the nearest thousand. 


Excel through the times

Times change. We have been gone through many ups and downs. But one thing remains constant. Generali’s unwavering commitment and support to customers ever since 1831. For nearly 190 years, no matter how the world changes, we are committed to bringing you the solutions that bring greater returns, higher flexibility, more protection and greater savings.

Generali is the largest market share in Italy* and one of the largest global insurance and asset management providers. Established in 1831, it is present in 50 countries in the world, with a total premium income of more than €70.7 billion in 2020. With nearly 72,000 employees serving 61 million customers, the Group has a leading position in Europe and a growing presence in Asia and Latin America. Generali’s ambition is to be the life-time partner to our customers, offering innovative and personalized solutions thanks to an unmatched distribution network.

Let’s click here for the speech of Roberto Leonardi, Generali Asia CEO on Generali’s commitment in Asia and how to be the customers lifetime partner. 

To learn more about Generali and its heritage, click here.

* Source: Generali Group, data as at end of 2018

Remarks:

1. Terminal Dividend will be declared (if any) at least once a year provided that it is available and the policy is still in force. The actual amount of Terminal Dividend (if any) will only be determined at the Company’s absolute discretion when exercising Terminal Dividend Lock-in Option or when it is payable.

2. All policy values, including Guaranteed Cash Value, Terminal Dividend and Total Premiums Paid for calculation of Guaranteed Death Benefit and Accidental Death Benefit will be reduced proportionately upon partial surrender.

From the 2nd Policy Anniversary, subject to the Company’s approval and the prevailing administrative rules, you may apply for the option of Regular Partial Surrender by submitting written request to the Company on the Company’s prescribed form and get the Company’s approval with at least 2 months before the next Policy Anniversary. Regular Partial Surrender will be effective upon the Company’s approval and the 1st Regular Partial Surrender will take place on the Policy Anniversary immediately after the approval date. Subject to the requirement of minimum Notional Amount of the Policy as per the Company's prevailing administrative rule, and if the total surrender amount is not enough to pay the requested regular partial surrender amount, Regular Partial Surrender will cease automatically.

3. The interest rate is not guaranteed. For the latest interest rate, please refer to the illustration.

4. For Regular Lock-in Option, you are required to apply and get the Company’s approval at least 2 months before the next Policy Anniversary. It will be effective upon the Company’s approval and the 1st lock-in will take place on the Policy Anniversary immediately after the approval date. The aggregated lock-in percentage of both Regular Lock-in Option and Flexi Lock-in Option shall not exceed 60%. After exercising Terminal Dividend Lock-in Options, any future Terminal Dividend will be adjusted correspondingly at a rate to be determined by the Company based on the Terminal Dividends which have been locked-in. Upon approval of the request, no change or cancellation of the option is allowed. Please refer to the terms and conditions in the Policy Provisions for details of the Terminal Dividend Lock-in Options.

5. Subject to the Company’s approval and the prevailing administrative rules, you may apply for withdrawal from the Benefit Accumulation Account at any time by submitting a written request to the Company on the Company’s prescribed form.

6. In order to be eligible for coverage under Accidental Death Benefit, the insurable age of the Insured must be aged below 75. Before the Policy Anniversary on which the Insured attains age of 80, if the Insured dies due to an Accident within 180 days, an Accidental Death Benefit equivalent to 200% of Total Premiums Paid as at the date of death of the Insured or USD 300,000 per Insured (whichever is lower). If the Insured’s Policy under this Plan is also an Insured named under other policies issued by the Company, then the maximum aggregate amount of Accidental Death Benefit payable under all the said policies shall be the same corresponding maximum amount of benefit payable under the Policy of this Plan.
 
7. Total Premiums Paid refers to due and paid premium, excluding any substandard premiums and premiums of any supplementary benefits.

8. From the 1st Policy Anniversary onwards, before the end of Premium Payment Term while the Policy is still in force, you may apply to extend the grace period of premium payment from 30 days to 180 days (“Extended Grace Period”) by submitting a written request to the Company in prescribed form at least 1 month before the start date of the grace period specified by you. The first premium due on or immediately after the approval date of the request shall become due at the end of the Extended Grace Period. During the Extended Grace Period, the Policy will remain effective. However, premium will continue to accrue and any due and unpaid premiums during the 180-day period are required to be settled by the end of the Extended Grace Period. Please note, if you have prepaid the premium with sufficient amount to settle the premium due, this option will not be applicable.

9. From the 2nd Policy Anniversary and before age 70 of the Insured, Policyholder may apply for Premium Holiday Option by submitting written request to the Company on the Company’s prescribed form at least 1 month before start date of the premium holiday, i.e. 1st day of the next Policy Year. Any Indebtedness must be repaid before the Premium Holiday is effective. Upon the start of the Premium Holiday, all supplementary benefit(s) (if any) attached to the Policy will be terminated. Please note, this option is only applicable to any policies that select 8 years or 10 years for Premium Payment Term.

10. The default option for the Death Benefit Option is Lump Sum Payment. You can apply to change this option before the death of the Insured, subject to the prevailing administrative rules. Please refer to Policy Provisions for details.

11. The application of “Change of Insured” option is subject to the prevailing administrative rules and the following requirements:
· The New Insured must be alive at the time of the Legacy Planning Option is exercised;
· The New Insured must have an insurable interest with the Policyholder; and
· The New Insured must be younger than the existing Insured or below age 75.

The application of “Policy Continuation” option is subject to the prevailing administrative rules and the following requirements:
· There is only 1 Beneficiary before the death of the existing Insured;
· The New Insured must be alive at the time of the Legacy Planning Option is exercised; and
· The New Insured must be younger than the existing Insured or below age 75.
If the existing Insured and the Policyholder is the same person, upon the death of the existing Insured, the New Insured will be the New Policyholder at the same time.

Please refer to the terms and conditions in the Policy Provisions for details of the Legacy Planning Option.


The Plan is underwritten by Generali Life (Hong Kong) Limited. This Plan may serve as standalone plan(s) without bundling with other type(s) of insurance product. You are required to read the relevant product brochure, the Policy Provisions and the proposals presented by your Insurance Advisers or the Company’s Representatives in order to fully understand the details of the definitions, charges, product features, exclusions, and conditions of payment of claims, etc. plus complete terms and conditions.
Enjoy up to 25% of 1st Policy Year’s premium refund until 30 September 2022