Zurich launches “Golden Treasure” retirement plan: life, critical illness and income in one policy

Zurich Life has launched the “Golden Treasure” retirement plan, combining three wealth-management pillars in a single policy: lifelong protection, investment growth and retirement income — covering life and critical-illness options, investment opportunities and fixed retirement income choices, cutting the hassle of managing multiple policies.

What are the selling points?

From US$125 a month, with a basket of mirror funds to choose from. Features include diversified protection options, a range of hand-picked global mirror funds and regular retirement income payouts; critical-illness cover can run to the policy anniversary before age 100; monthly contributions start from just US$125; a basket of quality mirror funds captures global opportunities; and after the contribution period, retirement income can be drawn flexibly — you decide the amount and duration.

What flexibility is built in?

Unlimited free fund switching, contribution holidays, prepayment discounts. The plan offers unlimited free mirror-fund switches, flexible cash withdrawals, double bonus opportunities, discounts for prepaying future contributions so more money goes to work, and contribution holidays during which all protection stays intact. Contribution terms run 10 to 30 years — you decide when to retire.

One caveat: mirror funds are set up by Zurich to invest in externally managed underlying funds; policyholders own no rights in those funds. Investment involves risk — check the product brochure and key sales documents for fees and charges.

To compare retirement-planning options, visit MPF fund comparison.