Builds Cash Value

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One of the main benefits of a Universal Life Hong Kong / China insurance plan is that it creates monetary value after sometime. The owner can at anytime access this money when he wants to. Meaning that he has the option to decide whether he wants to borrow against or simply withdraw from the money that has been built up into his Universal Life policy. Based on the insurance company’s investment portfolio, the returns on the money is tax-delayed and would continue to grow at a certain rate overtime. Additionally, there is a minimum return amount that is acquired, no matter the performance of the company’s investments.