Serene Life / Serene Life (Annual Dividends)

Last checked 13 Oct 2026

At a glance

Insurer

Product category

Whole life

Premium payment terms

Premium payment terms (3)

Premium payment terms
5 years
10 years
25 years

Issue ages & basis

Issue ages & basis (1)

Issue ages & basis
Recorded information	Premium payment terms / Age basis
15 days to 75 years	Age basis: Not confirmed

Two published versions with different potential-return and liquidity arrangements; death benefit settlement options apply.

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Decision sheet

5 of 13 known · 8 not published

What it pays and when

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026

Recorded features: Two published versions with different potential-return and liquidity arrangements; death benefit settlement options apply.Public source · Checked: 13 Oct 2026

Benefit limits

not published

Premium and payment term

Premium payment terms: 5 years / 10 years / 25 yearsPublic source · Checked: 13 Oct 2026

How premiums can change

not published

Guaranteed / non-guaranteed

not published

Waiting periods

not published

Main exclusions

not published

Surrender / cancellation

Early surrender may return considerably less than total premiums paid.Public source · Checked: 13 Oct 2026

Cooling-off

not published

Riders

not published

Claims steps

Insurer claims guide · Life / death

Life / death — Steps: Prepare documents, submit, await notification, then receive approved payment.Public source · Checked: 13 Oct 2026

Life / death — Required documents: Claimant ID, death certificate, original policy or loss declaration and other items in the death checklist.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Life / death — Deadlines / notification: Submit the form and supporting documents within 90 days of the insured’s death.Public source · Checked: 13 Oct 2026

Life / death — Submission channels: Financial planner / intermediary, or post to Customer Service Centre, 12/F AIA Tower, 183 Electric Road, North Point.Public source · Checked: 13 Oct 2026

Life / death — Overseas claims / servicing: Overseas death: follow the country-specific certified-document checklist; bring originals for verification where required.Public source · Checked: 13 Oct 2026

Life / death — Payment methods: Approved claims use the chosen payment method; the death page does not list the available methods.Public source · Checked: 13 Oct 2026

Policy servicing from abroad

not published

Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (9)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

What benefit limits apply?
When and how can premiums change?
What waiting periods apply?
What exclusions apply?
Which riders are available, and what are their costs and terms?
How can I service the policy from abroad, and what restrictions apply?
Can you provide the key facts statement and policy provisions for this product?
What is the cooling-off period, and how do I cancel during it?
Which benefits and values are guaranteed, and which are not?

How the value of this kind of plan works

Read this before any illustration. It describes these plans in general; the policy contract decides.

Guaranteed part: The guaranteed cash value is in the contract. It is usually low in the early years and is the only part you can rely on.
Non-guaranteed part: Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early: Surrendering in the first years usually returns less than you paid. Find the break-even year in your own illustration first.
Currency: Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.