Infinite Legacy Whole Life Insurance Plan

Last checked 13 Oct 2026

At a glance

Insurer

China Taiping Life Insurance (Hong Kong) Company Limited

Product category

Whole life

Policy currencies

USD

Premium payment terms

2 years

Issue ages & basis

Issue ages & basis (1)

Issue ages & basis
Recorded information	Premium payment terms / Age basis
15 days to 75 years	Age basis: Age last birthday

Guaranteed cash value
Non-guaranteed terminal bonus
Death benefit, subject to policy conditions

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Decision sheet

6 of 11 known · 5 not published

What it pays and when

Benefit term: Whole lifePublic source · Checked: 12 Oct 2026

Recorded features: Guaranteed cash value / Non-guaranteed terminal bonus / Death benefit, subject to policy conditionsPublic source · Checked: 12 Oct 2026

Benefit limits

not published

Premium and payment term

Premium payment terms: 2 yearsPublic source · Checked: 12 Oct 2026

How premiums can change

not published

Guaranteed / non-guaranteed

Guaranteed cash valuePublic source · Checked: 12 Oct 2026

Non-guaranteed terminal bonusPublic source · Checked: 12 Oct 2026

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: 12 Oct 2026

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: 12 Oct 2026

Riders

not published

Claims steps

Insurer claims guide · Life / death

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: 12 Oct 2026

Life / death — Steps: Complete the individual Death Claim Form Part I and select one settlement option.Public source · Checked: 13 Oct 2026

Life / death — Payment methods: The form lists cheque collection through an agent or in person; confirm currency with Taiping because its printed notes differ.Public source · Checked: 13 Oct 2026

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

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

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