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Ever Shine Savings Insurance Plan

Last checked

At a glance

Insurer
Chow Tai Fook Life Insurance Co Ltd
Product category
Participating savings
Policy currencies
USD
Premium payment terms
Single premium
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 80 years
Age basis: Not confirmed
Minimum premium & basis
USD 50,000 / Single premium
  • Death benefit is subject to the policy terms.
  • Guaranteed cash value follows the policy schedule.
  • Dividends or bonuses may include non-guaranteed amounts.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

8 of 13 known · 5 not published · 0 not yet checked
What it pays and when

Benefit term: To age 128Public source · Checked: Public source · Checked:

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:

Benefit limits
not publishedDocuments checkedPublic source · Checked:
Premium and payment term

Premium payment terms: Single premiumPublic source · Checked: Public source · Checked:

Minimum premium & basis: USD 50,000 / Single premiumPublic source · Checked: Public source · Checked:

How premiums can change
not publishedDocuments checkedPublic source · Checked:
Guaranteed / non-guaranteed

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

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

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

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

Waiting periods
not publishedDocuments checkedPublic source · Checked:
Main exclusions

The suicide provision limits payment to a premium refund within the specified one-year exclusion period, less the policy withdrawals, benefits and indebtedness listed in that clause. Insured changes have separate provisions.Public source · Checked:

Surrender / cancellation

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

Cooling-off

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

A signed written cancellation must be submitted within 21 calendar days after delivery of the policy or cooling-off notice, whichever is earlier, to obtain a refund of premium and levy.Public source · Checked:

Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Required documents: The Policy Change form requires a Surrender Form to terminate a basic plan; full submission / payment steps are not established here.Public source · Checked:

Policy servicing from abroad
not publishedDocuments checkedPublic source · Checked:
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

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:

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:

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:

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

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.

  1. What benefit limits apply?
  2. When and how can premiums change?
  3. What waiting periods apply?
  4. Which riders are available, and what are their costs and terms?
  5. How can I service the policy from abroad, and what restrictions apply?
  6. Can you provide the key facts statement and policy provisions for this product?
  7. What is the cooling-off period, and how do I cancel during it?
  8. 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
Guaranteed cash value is specified in the contract. Early values are usually low; non-guaranteed values may change.
Non-guaranteed part
Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early
Early surrender usually returns less than premiums paid. The break-even year depends on the individual illustration.
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.

More product information from this insurer:

Everglow 128 Insurance Plan

Goals and audience categories described by product type

Insurers (14)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Participating savings

Source 1Source 4
Policy currencies

USD

Source 1Source 4
Premium payment terms

Single premium

Source 1Source 4
Benefit term

To age 128

Source 1Source 4
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 80 years
Age basis: Not confirmed
Source 1Source 4
Minimum premium & basis

USD 50,000 / Single premium

Source 1Source 4
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.

Source 1
Guaranteed / non-guaranteed components

Guaranteed cash value follows the policy schedule.

Source 1
Dividend / bonus types

Dividends or bonuses may include non-guaranteed amounts.

Source 1
Names in other languages
English
Ever Shine Savings Insurance Plan
繁體中文
「榮耀世代」儲蓄保險計劃
简体中文
「荣耀世代」储蓄保险计划

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Ever Shine Savings Insurance Plan — official product page

    Source date: Not confirmed

  2. Ever Shine Savings Insurance Plan — official product page

    Source date: Not confirmed

  3. Ever Shine Savings Insurance Plan — official product page

    Source date: Not confirmed

  4. Ever Shine Savings Insurance Plan — official brochure

    Source date: Not confirmed