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RetireJoy Product Features

Retirement can be wonderful, if you’re prepared for it!

RetireJoy Annuity Plan helps you to achieve your retirement goals by providing long term capital growth and stable monthly annuity payments during the Annuity Period of 40 years.

You can choose from the best fit Premium Paying Period and set the Guaranteed Monthly Annuity Benefit that suits your financial needs and living style at the time you retire.

Get started with your retirement plan at ease from now on!

Find how to enjoy every moment of your retirement

Stable cash inflow
Stable cash inflow
Convert lump sum savings into stable cash inflow as your pension.
Income Stream
Income Stream
40 years of annuity income stream.
Extended Death Benefit Option
Extended Death Benefit Option
Option as a simple trust function.
Flexible Benefits Options
Flexible Benefits Options
Free to set your desired amount of Guaranteed Monthly Annuity Benefit, from USD90 to USD99,000.
Additional Annuity Benefits
Additional Annuity Benefits
Additional Non-Guaranteed Monthly Annuity Benefit *2
Terminal Dividend Payment
Terminal Dividend Payment
Payment of Terminal Dividend upon policy maturity or Lump Sum Death Benefit *2
FLEXIBLE Payment options
FLEXIBLE Payment options
Flexible premium payment options to fit your financial plan (single lump sum, 3 years, 5 years or 8 years).
Terminal DIVIDEND withdrawal
Terminal DIVIDEND withdrawal
One-time withdrawal up to 60% of prevailing Terminal Dividend or 16% of total premium paid, whichever is lower *3
USD POLICY
USD POLICY
USD is one of the most stable currencies.
EASY ACCESS
EASY ACCESS
Easy application process. No need for a medical examination or health questions.
JOINT LIVES LAST DEATH
JOINT LIVES LAST DEATH
The policy allows you to have two Insureds.
*3 One-off withdrawal of Terminal Dividend:

a) When this Policy has started the Annuity Period, the Policyholder can request to one-off withdraw a portion of the prevailing Terminal Dividend by giving the Company a written notice of fourteen (14) working days prior to the effective date of the withdrawal. The Company reserves the right to accept or reject the request without giving any reason.

b) The maximum portion of Terminal Dividend that can be withdrawn is 60% of the prevailing Terminal Dividend or 16% of the total Premium paid, whichever is lower.

c) The future Non-Guaranteed Monthly Annuity Benefit and Terminal Dividend will be adjusted accordingly by the Company.

*2 The additional Non-Guaranteed Monthly Annuity Benefit and Terminal Dividend are non-guaranteed and depend on a number of factors such as investment return, mortality experience, expense experience, persistency experience, etc.


*1 Source: DSEC, Yearbook of Statistics, 2018

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