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Life Insurance

Life Insurance Products at a glance

Retirement Insurance Products at a glance

Life Insurance Products at a glance

	Lifetime Protection Plus	Lifestyle Protection Plus	Target Protection Plus	LifeInvest Protection Plus^	Refundable Protection Plan (Major Illness)	Term Life Insurance (Refundable Premium)	Term Protection Plan
Life protection
Protection period	Whole life	Whole life	Limited term (from 10 to 30 years or up to age 18)	Whole life	Up to age 60	Up to age 60	Up to age 80
Policy savings
Guaranteed savings	Guaranteed Cash Value	Guaranteed Cash Value + Guaranteed Cash Bonus equivalent to 10% of Sum Insured payable once every 5 years	Guaranteed Cash Value + Guaranteed Cash Bonus equivalent to 10% of Sum Insured payable at the end of the term	No	No	No	No
Non-guaranteed savings	Annual Dividends	Annual Dividends	Annual Dividends	Fund balance + Investment Bonus* payable once every 5 years	No	No	No

*	The investment bonus will be 15% of the average anniversary policy value over the five years preceding the bonus payment date. At the 25th policy anniversary, the bonus will be 20% of the average anniversary policy value over the five years preceding the bonus payment date.
^	LifeInvest Protection Plus is authorised by the Securities and Futures Commission. Such authorisation does not imply official approval or recommendation. Investment involves risk. For charges and details, please refer to the relevant principal brochure(s).

Retirement Insurance Products at a glance

	RetireEnrich Protection Plus	Lifestyle Retirement Protection Plus	RetireInvest Protection Plus**	LifeSave Protection Plan (Lifetime Medical)⁺
Retirement fund
Lump sum payment	Guaranteed Retirement Bonus^ payable at the end of the accumulation period	Guaranteed Cash Bonus equivalent to 50% of Sum Insured payable at selected retirement age	Investment Bonus* payable at selected retirement age and once every 5 years thereafter	Guaranteed Retirement Bonus equivalent to 10% of the Sum Insured at the chosen retirement age
Regular payment	Monthly annuity payment for 10 / 15 years or up to age 99	N/A	Immediate or deferred annuity arrangement^# through regular withdrawals	N/A
Life protection
Protection period	Accumulation period of 8, 12 years or up to age 55, + Annuity period of 10 or 15 years, or until age 99	Whole life	Whole life	Whole life

^	Guaranteed Retirement Bonus is equivalent to the monthly guaranteed annuity payment multiplied by the number of years of the annuity period.
*	Investment bonus payable at selected retirement age is equivalent to 2% of the average anniversary policy value from the start of your policy up to selected retirement age, and then multiplied by the number of years the policy has been in force. And the bonus payable thereafter is equivalent to 15% of the average anniversary policy value over the five years preceding the date of the bonus payment.
**	RetireInvest Protection Plus is authorised by the Securities and Futures Commission. Such authorisation does not imply official approval or recommendation. Investment involves risk. For charges and details, please refer to the relevant principal brochure(s).
^#	You may make a withdrawal at any time or set up a schedule of withdrawals to create a stream of regular payout, up to a maximum of 90% of the cash value. Each withdrawal is subject to a minimum of HK$400/ US$50 (monthly) or HK$4,800/ US$600 (annually).
⁺	LifeSave Protection Plan (Lifetime Medical) also provides various medical benefits. For details, please refer to the relevant principal brochure.

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