Regal Heritage Savings Insurance Plan (Exclusive to Broker Channel)

Benefit term: Whole lifePublic 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

Maximum basic amounts are listed by issue-age band in the enrollment table. Basic amount is used for premium and policy-value calculations; it is not the death benefit.Public source · Checked: 13 Oct 2026

Premium payment terms: Single premium / 2 years / HKD or USD; the 5-year and single-premium options also offer CNY. / 5 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The brochure offers a Premium Holiday to suspend payment while keeping the policy in force, subject to insurer approval, eligible payment terms and the stated conditions.Public 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

A signed written cancellation must be submitted within 21 calendar days after delivery of the policy or policy-issuance notice, whichever is earlier, for refund of premiums and levy if no claim has been made.Public source · Checked: 13 Oct 2026

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Steps: Apply in OneService or use Request for Financial Services / Surrender; provide current identity and bank evidence.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Required documents: Certified ID if not submitted; recent bank proof showing account holder and number for bank / telegraphic transfer.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Submission channels: OneService app or Financial Services / Surrender form; an agent may assist the online application.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Overseas claims / servicing: Wire transfer to the policyholder’s personal overseas account is listed; joint accounts are not accepted.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Payment methods: Personal local bank transfer, personal overseas wire transfer, cheque or transfer to another own policy.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