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A flexible plan to fulfil your protection and wealth accumulation needs 

In planning for the future, all of us aspire to wealth and protection. Golden Touch ULife Plan II is a universal life insurance plan that helps build up your nest egg through Crediting Interest, Special Interest and Extra Bonus, and provides life protection up to age 100 of the insured. The plan can also be adapted to your evolving needs. After policy issuance, you can make unscheduled contribution(s) on top of basic premiums to tap on more potential returns. Or you can adjust your protection by changing the death benefit option. Should unexpected circumstances arise, you can withdraw the cash value from your account at no charge, or even suspend premium payment. All in all, it is a flexible plan to help you take control of the future with greater ease.


  • Non-guaranteed Crediting Interest, non-guaranteed Special Interest and guaranteed Extra Bonus to grow the Account Value of your policy. 
  • Minimum Crediting Interest Rate effective at the end of policy year 12, ensuring your Account Value applied for the calculation of the death benefit, surrender value or maturity value will not be less than the amount calculated at the Minimum Crediting Interest Rate. 
  • Two plan choices available, being Protection-oriented Option and Savings-oriented Option, allowing you to achieve better financial planning.
  • You may make Unscheduled Contribution (applicable to Protection-oriented Option only) in addition to paying basic premium to boost the Account Value.
  • Flexibility to withdraw cash value of the policy, reduce sum assured or suspend payment of basic premium to cater for unexpected financial needs.
  • Life protection up to age 100 of the insured with the flexibility to adjust the protection amount by changing the death benefit option.
  • A wide range of riders are available to enhance your coverage.

This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.

The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong. For further information, please contact your Chubb Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.

The “Chubb Life Hong Kong”, “Company”, “we”, or “our” herein refers to Chubb Life Insurance Company Ltd. (Incorporated in Bermuda with Limited Liability).

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