Skip to content
港險通Hong Kong Insurance Connect
Ask a broker

Information, not advice; we refer to a licensed Hong Kong broker.

Chubb MyLegacy V – Harvest

Last checked

At a glance

Insurer
Chubb Life Insurance Hong Kong Limited
Product category
Participating savings
Product enquiry via a licensed Hong Kong broker

Decision sheet

11 of 13 known · 2 not published · 0 not yet checked
What it pays and when

Life coverage runs to age 120.Public source · Checked:

Benefit limits

Terminal bonus lock-in requires at least 10% per application and cannot exceed 50% in total.Public source · Checked:

Premium and payment term

Premium-payment terms are 3 or 5 years; payment modes are monthly, quarterly, semi-annual or annual.Public source · Checked:

How premiums can change

The basic-plan premium rate is guaranteed to remain unchanged during the premium-payment term.Public source · Checked:

Guaranteed / non-guaranteed

Basic cash value is guaranteed. Reversionary bonus declarations and bonus cash values are non-guaranteed; a declared reversionary bonus has guaranteed notional value.Public source · Checked:

Waiting periods
not publishedDocuments checkedPublic source · Checked:
Main exclusions

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

Surrender / cancellation

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

Cooling-off

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

Riders

Attached riders terminate when a premium holiday starts; reattachment requires approval and may require additional premium.Public source · Checked:

Claims steps

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:

Savings surrender / withdrawal — Payment methods: Default: existing autopay account if available; over HK$1 million: mailed HKD cheque. Confirm transaction instructions.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 (5)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What waiting periods apply?
  2. How can I service the policy from abroad, and what restrictions apply?
  3. Can you provide the key facts statement and policy provisions for this product?
  4. What is the cooling-off period, and how do I cancel during it?
  5. 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:

Forever Diamond Plan II

Goals and audience categories described by product type

Insurers (17)
Similar products from other insurers

Similar products from other insurers

All published facts

All published facts

FieldRecorded information
Product categoryParticipating savings
Source 1
Names in other languages
English
Chubb MyLegacy V – Harvest
繁體中文
Not confirmed
简体中文
安达传承守创V – 丰足

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

Sources & verification dates

Sources & verification dates

Checked:

  1. Official retail product page; null fields not yet checked

    Source date: Not confirmed

  2. Product brochure linked by the official product page

    Source date: Not confirmed

  3. Official locale product page or catalogue

    Source date: Not confirmed

  4. Official locale product page or catalogue

    Source date: Not confirmed

Related pages