- Policy currencies
- USD / HKD / CNY / GBP / SGD / AUD / CAD / CHF / EUR
- Premium payment terms
- 2 years / 5 years / 10 years
Taiping Elite Delight Whole Life Coupon Plan 2
Last checked
At a glance
- Insurer
- China Taiping Life Insurance (Hong Kong) Company Limited
- Product category
- Participating savings
- Policy currencies
- USD / HKD
- Premium payment terms
Premium payment terms (4)
Premium payment terms 2 years 5 years 10 years 20 years - Issue ages & basis
Issue ages & basis (4)
Issue ages & basis Recorded information Premium payment terms / Age basis 15 days to 80 years 2-year premium payment term.
Age basis: Age last birthday15 days to 70 years 5-year premium payment term.
Age basis: Age last birthday15 days to 65 years 10-year premium payment term.
Age basis: Age last birthday15 days to 55 years 20-year premium payment term.
Age basis: Age last birthday
- Guaranteed cash value
- Annual guaranteed cash coupons, subject to policy conditions
- Non-guaranteed cash and terminal bonuses
Decision sheet
6 of 11 known · 5 not published
- What it pays and when
Benefit term: To age 130 / Term adjusts after an insured change: earlier of the new insured age-130 anniversary and the 130th policy anniversary.Public source · Checked:
Recorded features: Guaranteed cash value / Annual guaranteed cash coupons, subject to policy conditions / Non-guaranteed cash and terminal bonusesPublic source · Checked:
- Benefit limits
- not published
- Premium and payment term
Premium payment terms: 2 years / 5 years / 10 years / 20 yearsPublic source · Checked:
- How premiums can change
- not published
- Guaranteed / non-guaranteed
Guaranteed cash valuePublic source · Checked:
Annual guaranteed cash coupons, subject to policy conditionsPublic source · Checked:
Non-guaranteed cash and terminal bonusesPublic source · Checked:
- Waiting periods
- not published
- Main exclusions
- not published
- Surrender / cancellation
Written termination is available. Early surrender proceeds may be less than premiums paid.Public source · Checked:
- Cooling-off
Cancel in writing within 21 calendar days after delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. Premiums and levy are refunded, subject to market value adjustment if applicable; no refund after a claim.Public source · Checked:
- Riders
- not published
- Claims steps
Insurer claims guide · Savings surrender / withdrawal
Notify the insurer in writing promptly, within 30 days of the insured event. Obtain the claim form from its website, hotline or customer service centre.Public source · Checked:
Savings surrender / withdrawal — Required documents: The financial withdrawal form lists cash dividends, coupons, reversionary bonus and partial universal-life withdrawal.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 (8)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What waiting periods apply?
- What exclusions apply?
- Which riders are available, and what are their costs and terms?
- 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?
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.
- Participating savings
- USD
- HKD
- Premium term band: Up to 5 years
- Premium term band: Over 5 to 10 years
- Premium term band: Over 10 years
- Issue-age band: Children (0–17)
- Issue-age band: Adults (18–64)
- Issue-age band: Older adults (65+)
- China Taiping
Matching goals and segments (by product type)
Similar products from other insurers
Similar products from other insurers
- Policy currencies
- HKD / USD
- Premium payment terms
- Single premium / 5 years / 8 years / 12 years …
- Policy currencies
- CNY / USD / GBP / EUR / CAD / AUD / SGD / HKD
- Premium payment terms
- 5 years / 10 years
- Policy currencies
- USD / HKD / CNY / CAD / AUD / GBP / SGD
- Premium payment terms
- Single premium / 3 years / 5 years / 10 years …
- Policy currencies
- CNY / GBP / USD / AUD / CAD / HKD / EUR / SGD
- Premium payment terms
- Single premium / 3 years / 5 years / 10 years
- Policy currencies
- USD
- Premium payment terms
- Single premium / 3 years / 5 years / 10 years …
Comparison groups
Comparison groups
- HKD Savings plans compared
- USD Savings plans compared
- HKD Savings plans: Over 5 to 10 years premium term
- HKD Savings plans: Up to 5 years premium term
- USD Savings plans: Over 5 to 10 years premium term
- USD Savings plans: Up to 5 years premium term
- HKD Savings plans: Over 10 years premium term
- USD Savings plans: Over 10 years premium term
- China Taiping Savings plans compared
All published facts
All published facts
| Field | Recorded information | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Product category | Participating savings | ||||||||||
| Policy currencies | USD / HKD | ||||||||||
| Premium payment terms | 2 years 5 years 10 years 20 years | ||||||||||
| Benefit term | To age 130 / Term adjusts after an insured change: earlier of the new insured age-130 anniversary and the 130th policy anniversary. | ||||||||||
| Issue ages & basis |
| ||||||||||
| Recorded features | Guaranteed cash value Annual guaranteed cash coupons, subject to policy conditions Non-guaranteed cash and terminal bonuses | ||||||||||
| Sales status | On sale (at source date) |
Names in other languages
- English
- Taiping Elite Delight Whole Life Coupon Plan 2
- 繁體中文
- 太平喜樂無憂終身儲蓄計劃 2
- 简体中文
- Not confirmed
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- Individual catalogue: published name and listed sale status; null fields not confirmed
Source date: Not confirmed
Checked: - Official bilingual product-name crosswalk: Taiping Elite Delight Whole Life Coupon Plan 2
Source date: Not confirmed
Checked: - Official public product brochure: confirmed facts only
Source date: Not confirmed / Page: 2
Checked: - Official public brochure: insurer-published Traditional Chinese product name
Source date: Not confirmed / Page: 1
Checked: - Official public brochure: confirmed product facts (physical PDF page)
Source date: Not confirmed / Page: 5
Checked: - Official public brochure: confirmed product facts (physical PDF page)
Source date: Not confirmed / Page: 2
Checked: