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Information, not advice; we refer to a licensed Hong Kong broker.

Wealth Advance Savings Series II - Classic

Last checked

At a glance

Insurer
AXA China Region Insurance Company (Hong Kong) Limited
Product category
Participating savings
  • Non-guaranteed reversionary and terminal bonuses after three policy years; change-of-insured option subject to conditions.
Ask a licensed broker about this productCompare with similar plans

Decision sheet

4 of 13 known · 9 not published
What it pays and when

Benefit term: To age 100 / Age of the latest insured.Public source · Checked:

Recorded features: Non-guaranteed reversionary and terminal bonuses after three policy years; change-of-insured option subject to conditions.Public source · Checked:

Benefit limits
not published
Premium and payment term
not published
How premiums can change
not published
Guaranteed / non-guaranteed

Non-guaranteed reversionary and terminal bonuses after three policy years; change-of-insured option subject to conditions.Public source · Checked:

Waiting periods
not published
Main exclusions
not published
Surrender / cancellation
not published
Cooling-off
not published
Riders
not published
Claims steps

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Required documents: Published forms include Cash Withdrawal / Policy Loan / Annuity Payment Application and Policy Service Forms I and II.Public source · Checked:

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.

  1. What benefit limits apply?
  2. How much is the premium, and how long must I pay it?
  3. When and how can premiums change?
  4. What waiting periods apply?
  5. What exclusions apply?
  6. What are the cancellation terms and any surrender value or charges?
  7. Which riders are available, and what are their costs and terms?
  8. How can I service the policy from abroad, and what restrictions apply?
  9. Can you provide the key facts statement and policy provisions for this product?
  10. What is the cooling-off period, and how do I cancel during it?
  11. Which benefits and values are guaranteed, and which are not?
How the value of this kind of plan works

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

Belongs to

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

Matching goals and segments (by product type)

Insurers (12)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Participating savings

Source 1
Benefit term

To age 100 / Age of the latest insured.

Source 1
Recorded features

Non-guaranteed reversionary and terminal bonuses after three policy years; change-of-insured option subject to conditions.

Source 1
Names in other languages
English
Wealth Advance Savings Series II - Classic
繁體中文
安進儲蓄系列II - 穩進
简体中文
安进储蓄系列II - 稳进

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. Wealth Advance Savings Series II - Classic — official product page

    Source date: Not confirmed
    Checked:

  2. 安進儲蓄系列II - 穩進 — official product page

    Source date: Not confirmed
    Checked:

  3. 安进储蓄系列II - 稳进 — official product page

    Source date: Not confirmed
    Checked:

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