Year 10
Guaranteed cash value payback
ACIS ResearchAI文明投资研究院GROWTH · RETIREMENT · EDUCATION · LEGACY
Wannian Q Galaxy Legacy 2
One long-term plan for four family goals
Wealth Growth · Retirement · Education · LegacyPRODUCT OVERVIEW
Define the family goal first.
Then design the long-term plan.
Build long-term value, plan withdrawals from Year 6, and use flexible policy features to support retirement, education and multigenerational legacy goals.
~6×
Illustrated total cash value at Year 30
From Year 6
Planned long-term withdrawals
Lifetime
Growth and legacy planning
TWO KEY FEATURES
Two numbers
that frame the plan
Year 10 payback refers to guaranteed cash value. The Year 30 multiple and ~6.5% IRR are illustrated and not guaranteed.
Guaranteed cash value exceeds the discounted total premium paid in Year 10.
Illustrated total cash value at Year 30 is about 6.4× the discounted total premium, with an illustrated IRR of approximately 6.5%.
FAMILY GOALS
One product,
four family goals
Start with the job the money must do, then design contributions, withdrawals and legacy arrangements.
01Long-term GrowthLet time work for the assetView planClose⌄
01 · WEALTH GROWTH
After two contribution years, policy value keeps accumulating. Guaranteed cash value reaches payback in Year 10; illustrated total cash value is about 6× principal in Year 30.
Contribution period2 years
Guaranteed paybackYear 10
Year 30 illustrated value~6× principal
View full benefit illustration02Retirement IncomePlan withdrawals from Year 6View planClose⌄
02 · RETIREMENT
Withdrawals may be planned from Year 6. The current illustration begins annual withdrawals of USD 200,000 in Year 20 while remaining policy value continues to grow.
Earliest planned accessFrom Year 6
Illustrated annual withdrawalUSD 200,000
While withdrawingRemaining value can grow
View full benefit illustration03Education PlanningMatch funding to education stagesView planClose⌄
03 · EDUCATION
Withdrawals can be designed from Year 6 around expected education stages. Premium and withdrawal amounts require a separate illustration based on the child's age and education goals.
Earliest planned accessFrom Year 6
Withdrawal rhythmBy education stage
Current statusPlanning framework ready
Education illustration requires tailored inputs04Legacy PlanningUse it today, leave it tomorrowView planClose⌄
04 · LEGACY
Remaining value can keep accumulating after withdrawals, supported by insured-person changes, a successor policyholder and policy splitting.
Insured personChangeable
Successor policyholderAvailable
Policy splittingFrom Year 3
View full benefit illustrationIllustration assumes issue age 0 and two contribution years: USD 1,000,000 in Year 1 and USD 950,000 in Year 2. Guaranteed cash value and non-guaranteed benefits must be assessed separately. Dividends and long-term IRR are not guaranteed; actual outcomes are subject to the policy contract and the insurer's latest benefit illustration.
ASK XIAOYOU
Define the goal first.
Then design the cash flow.
Contribution period, withdrawal timing and legacy arrangements can materially change long-term outcomes.
Book a tailored plan