Endowment plans pay out a lump sum upon reaching an agreed date, thus providing a savings function for the policyholders. It also pays a death benefit should the policyholder die before the agreed date is reached, so providing a protection function as well. We have professional insurance experts who can provide you with free life insurance and savings counseling service that help you understand and compare different plans of different insurance companies. To be a smart consumer, do not hesitate to call us at (852) 3589 5000 for any enquiries. We are happy to find you a solution.