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@MyLove Insurance Plan II

Last checked

At a glance

Insurer
Chow Tai Fook Life Insurance Co Ltd
Product category
Whole life
Policy currencies
USD
Premium payment terms
Premium payment terms (5)
Premium payment terms
10 years
15 years
20 years
To age 65
To age 100
Issue ages & basis
Issue ages & basis (2)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 70 yearsApplicable option / payment term: 10 / 15 / 20 / to age 100.
Age basis: Not confirmed
15 days to 55 yearsApplicable option / payment term: to age 65.
Age basis: Not confirmed
  • Death benefit is subject to the policy terms.
  • Guaranteed cash value follows the policy schedule.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

7 of 13 known · 6 not published
What it pays and when

Benefit term: To age 100Public source · Checked: Public source · Checked:

Recorded features: Death benefit is subject to the policy terms. / Guaranteed cash value follows the policy schedule.Public source · Checked:

Benefit limits
not published
Premium and payment term

Premium payment terms: 10 years / 15 years / 20 years / To age 65 / To age 100Public source · Checked: Public source · Checked:

How premiums can change
not published
Guaranteed / non-guaranteed

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

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

Waiting periods
not published
Main exclusions
not published
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:

Riders
not published
Claims steps

Insurer claims guide · Life / death

Life / death — Steps: Complete claimant / doctor sections, attach evidence, submit in person / via planner.Public source · Checked:

Life / death — Submission channels: In person / planner; review requests: ctflife.csc@ctflife.com.hk or post to Claims Department, 7/F NEO.Public source · Checked:

Life / death — Assessment / payment timing: Result / progress usually within 10 working days; review replies 10–15, subject to evidence / complexity.Public source · Checked:

Life / death — Required documents: Original death certificate, verified IDs, relationship proof, original policy / loss declaration and recent beneficiary address proof.Public source · Checked:

Life / death — Overseas claims / servicing: Outside-HK deaths may need notarised death / relationship proof, local death evidence, residence cancellation and burial records.Public source · Checked:

Policy servicing from abroad
not published
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 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 (9)

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. What exclusions apply?
  5. Which riders are available, and what are their costs and terms?
  6. How can I service the policy from abroad, and what restrictions apply?
  7. Can you provide the key facts statement and policy provisions for this product?
  8. What is the cooling-off period, and how do I cancel during it?
  9. 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:

Prosperous Deferred Annuity Plan 2

Goals and audience categories described by product type

Insurers (12)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Whole life

Source 1Source 4
Policy currencies

USD

Source 1Source 4
Premium payment terms

10 years

15 years

20 years

To age 65

To age 100

Source 1Source 4
Benefit term

To age 100

Source 1Source 4
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 70 yearsApplicable option / payment term: 10 / 15 / 20 / to age 100.
Age basis: Not confirmed
15 days to 55 yearsApplicable option / payment term: to age 65.
Age basis: Not confirmed
Source 1Source 4
Recorded features

Death benefit is subject to the policy terms.

Guaranteed cash value follows the policy schedule.

Source 1
Guaranteed / non-guaranteed components

Guaranteed cash value follows the policy schedule.

Source 1
Names in other languages
English
@MyLove Insurance Plan II
繁體中文
「摯愛」保險計劃 II
简体中文
「挚爱」保险计划 II

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

Sources & verification dates

Sources & verification dates

Checked:

  1. @MyLove Insurance Plan II — official product page

    Source date: Not confirmed

  2. @MyLove Insurance Plan II — official product page

    Source date: Not confirmed

  3. @MyLove Insurance Plan II — official product page

    Source date: Not confirmed

  4. @MyLove Insurance Plan II — official brochure

    Source date: Not confirmed