Insular Life, the country’s leading and largest Filipino life insurance company, upholds its pioneering spirit by launching a structured variable unit-linked insurance product that pays out returns on an annual basis.  It is the first structured product in the local market that carries this feature since previous offers payout returns on maturity.

Available at a minimum single premium of $5,000, this US dollar-denominated product matures in seven (7) years and provides 100% capital protection, if held to maturity.

I-Dollar Pay 7’s underlying asset is the China Prime Fund which is invested in a note that is linked to the China Target Volatility 10% tracker.  This tracker provides dynamic exposure to Chinese companies listed in the Hang Seng China Enterprise Index (HSCEI) through a volatility control mechanism.  Such is the path taken by Insular Life to avoid subjecting the investors’ funds to unnecessary risks.  The annual payout of

I-Dollar Pay 7 shall be based on the investor’s participation on the performance of the tracker against the lookback level.

Using the lookback level as the basis for returns computation is another innovation offered by the product.  Lookback level refers to the lowest tracker level among seven (7) observation periods in the first three (3) months after the investment was made. This is against the current practice where the index’s level on the product’s strike date becomes the basis for returns.  In embedding this feature, the potential returns of the client are enhanced.

For this year’s special product offer, the company’s management chose to share their optimistic view on China to the Filipino investors.  China is known to be the most robust major economy in the world with its continuing growth expected to be driven by increasing domestic consumption, coupled with high levels of foreign reserves which will enable them to withstand external shocks from Europe and elsewhere.

Unique to investment linked life insurance products, I-Dollar Pay 7 provides added financial protection to the clients’ loved ones.

Consider diversifying your investment portfolio to international markets through

I-Dollar Pay 7.  The product is available for a limited offer only.  For details, please call (02) 582-1818 local 5123, e-mail inquiry@insular.com.ph or visit www.insularlife.com.ph

Click here for more information about I-Dollar Pay 7.