Heritage Builder Universal Life Plan
Last checked
At a glance
- Insurer
- AXA China Region Insurance Company (Hong Kong) Limited
- Product category
- Other
- Universal life plan; crediting interest rate guaranteed at not less than 2% per annum.
Decision sheet
4 of 13 known · 9 not published
- What it pays and when
Recorded features: Universal life plan; crediting interest rate guaranteed at not less than 2% per annum.Public source · Checked:
- Benefit limits
- not published
- Premium and payment term
- not published
- How premiums can change
- not published
- Guaranteed / non-guaranteed
Universal life plan; crediting interest rate guaranteed at not less than 2% per annum.Public source · Checked:
Crediting interest rate is guaranteed at not less than 2% per annum; charge rates are guaranteed except upon a change of insured.Public source · Checked:
- Waiting periods
- not published
- Main exclusions
- not published
- Surrender / cancellation
From policy year 11, annual free withdrawal amount is 5% of account value without sum-insured reduction or surrender charge; withdrawals are free of surrender charge from year 16.Public source · Checked:
- Cooling-off
- not published
- Riders
- not published
- Claims steps
- not published
- 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:
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:
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:
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:
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 (11)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- How much is the premium, and how long must I pay it?
- When and how can premiums change?
- What waiting periods apply?
- What exclusions apply?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- 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?
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
All published facts
All published facts
| Field | Recorded information |
|---|---|
| Product category | Other |
| Recorded features | Universal life plan; crediting interest rate guaranteed at not less than 2% per annum. |
Names in other languages
- English
- Heritage Builder Universal Life Plan
- 繁體中文
- 雋薈萬用壽險計劃
- 简体中文
- 隽荟万用寿险计划
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- Heritage Builder Universal Life Plan — official product page
Source date: Not confirmed
Checked: - 雋薈萬用壽險計劃 — official product page
Source date: Not confirmed
Checked: - 隽荟万用寿险计划 — official product page
Source date: Not confirmed
Checked: