Promise Family Insurance Plan

Benefit term: To age 100Public 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. / Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

Accidental Death Benefit is the lower of accumulated premiums due and paid or HKD500,000/USD62,500; aggregate accident benefits across company policies for the same insured are capped at HKD1,000,000/USD125,000 or equivalent.Public source · Checked: 13 Oct 2026

Premium payment terms: 5 years / 10 years / 15 years / 20 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premiums remain fixed throughout the payment term.Public source · Checked: 13 Oct 2026

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

Dividend / bonus types: Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

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

Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

Accidental death must occur within 180 days of the injury, within the first ten policy years and before the anniversary at age 66, under the stated eligibility rule.Public source · Checked: 13 Oct 2026

Accidental-death exclusions include congenital or inherited conditions, specified hazardous activities, self-injury, pregnancy-related causes, intoxication and listed infection/poisoning causes. These are accident-benefit exclusions.Public source · Checked: 13 Oct 2026

Early surrender can return considerably less than premiums paid.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