Chubb Future Achiever Savings Plan II

Life coverage runs to age 120; proceeds include the higher of cash value or 101% of total basic premiums, plus any terminal dividend and settlement account balance, less unpaid loans and interest.Public source · Checked: 14 Oct 2026

Terminal dividend lock-in requires at least 10% per application; all applications together cannot exceed 50%.Public source · Checked: 14 Oct 2026

Premiums are paid once, in US dollars. The minimum notional amount is USD 100,000; this is not a quoted premium.Public source · Checked: 14 Oct 2026

Cash value is guaranteed; the terminal dividend is not guaranteed.Public source · Checked: 14 Oct 2026

Life insurance proceeds are excluded for suicide within two years of issue or change of insured (the latest applicable date).Public source · Checked: 14 Oct 2026

Early surrender may return less than the premiums paid; withdrawals or partial surrender reduce policy benefits.Public source · Checked: 14 Oct 2026

Cancellation requires signed notice within 21 calendar days after policy delivery or the availability notice, whichever is earlier.Public source · Checked: 14 Oct 2026

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Required documents: Financial Services Form offers dividend withdrawal; bank-credit instructions require account ownership evidence.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Payment methods: Default: existing autopay account if available; over HK$1 million: mailed HKD cheque. Confirm transaction instructions.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 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