Chubb Life Yearly Income Plan

Guaranteed cash coupons equal 5% of notional amount annually from year 1, plus 10% every ten years from year 10; these percentages are not investment returns.Public source · Checked: 14 Oct 2026

The additional accidental death benefit equals 100% of the plan death benefit, capped at USD100,000 per life.Public source · Checked: 14 Oct 2026

Choose a 3-, 5-, 8- or 12-year payment term, paid monthly, quarterly, semi-annually or annually.Public source · Checked: 14 Oct 2026

The premium rate is guaranteed and unchanged throughout the premium payment term.Public source · Checked: 14 Oct 2026

Cash value and cash coupons have guaranteed components; terminal dividend and interest on accumulated coupons are non-guaranteed.Public source · Checked: 14 Oct 2026

Suicide within two years of issue, insured change or reinstatement, whichever is latest, ends cover with the specified net premium refund.Public source · Checked: 14 Oct 2026

Surrender value is guaranteed cash value plus accumulated coupons and interest and any terminal dividend, less outstanding premiums, loans and interest.Public source · Checked: 14 Oct 2026

Cancel by signed notice and return the policy if any within 21 calendar days after policy delivery or availability notice, whichever is earlier; refund is subject to the stated deductions and currency conditions.Public source · Checked: 14 Oct 2026

Insurer claims guide

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