The Universal Option allows for flexibility in premium payments when specified by you on the advice of Chubb Life account representatives. The premiums decrease gradually as the contract value increases. This is an optimal solution to keep the protected value unchanged while increasing the profitable investment.
In addition, you can enhance your protection by attaching riders including accidental death, accidental death and dismemberment, hospital stay protection, term rider to age 55/60/65, and/or critical illness and death, in order to have a comprehensive protection for you and your family.</p
Please see full details of the Policy Wordings as below: