The plan provides guaranteed cash value and non-guaranteed special bonus. The amount of any potential special bonus will be determined by the Company when it becomes payable. If the policyholder discontinues and/or surrenders the policy in the early policy years, the amount of the benefits he/she will get back may be considerably less than the total premiums paid.
The policyholder is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
Please refer to the respective product brochure and policy provisions for detailed features, terms and conditions and exclusions.
The Hongkong and Shanghai Banking Corporation Limited (“HSBC”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of the Company for the distribution of life insurance products in the Hong Kong SAR. The life insurance products mentioned above are products of the Company but not HSBC. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and the HSBC Commercial Banking Customer out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with the HSBC Commercial Banking Customer; however, any dispute over the contractual terms of the above insurance products should be resolved between the Company and the HSBC Commercial Banking Customer directly.
This webpage contains general information only. It does not constitute any offer for any insurance product. For product details, terms, conditions and exclusions, please refer to the relevant policy contracts, product brochures and proposals.