Century Heritage Protection Plan Guaranteed Cash Reserve Starting from the first policy anniversary, an annual guaranteed cash reserve equivalent to 5% of the nominal amount will be received until: the first insured person reaches age 100, regardless of survival status; or guaranteed cash reserves have been distributed for 100 years. Non-guaranteed terminal bonus1 is provided to help enhance potential returns. Cycling terminal bonus lock-in2,3 limits offer more opportunities to capture appreciation potential and even create additional cash flow. You may choose to pay premiums over 5, 8, 12 or 15 years, with premiums guaranteed unchanged during the premium payment period. You may choose to exercise the policyholder change option4 to pass wealth on to beloved family members. For more information, please add WeChat: Jason_hker