Noble Legend Life Insurance Plan

Benefit term: To age 138Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Death benefit is subject to the policy terms. / Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Terminal Dividend Management Option has a 10% minimum percentage per application, a 50% aggregate maximum and at most one application per policy year.Public source · Checked: 13 Oct 2026

Premium payment terms: 5 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Guaranteed / non-guaranteed components: Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

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

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked: 13 Oct 2026

Signed written cancellation within 21 calendar days after policy or issuance-notice delivery, whichever is earlier, refunds premiums and levy if no claim has been made.Public source · Checked: 13 Oct 2026

Insurer claims guide · Life / death

Life / death — Required documents: Death form, CRS, policy / loss declaration, certified IDs, relationship and death evidence; extra documents depend on location.Public source · Checked: 13 Oct 2026

Life / death — Overseas claims / servicing: Overseas deaths may need consular authentication, ID cancellation and funeral proof; mainland deaths have a separate checklist.Public source · Checked: 13 Oct 2026

Life / death — Payment methods: Forms include claim remittance and a GBA CGB-account cross-border remittance application; eligibility is form-specific.Public source · Checked: 13 Oct 2026

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