EasyRetire Annuity Plan
Last checked
At a glance
Decision sheet
7 of 13 known · 0 not published · 6 not yet checked
- What it pays and when
The annuity offers guaranteed and non-guaranteed monthly income up to age 100; income can start at a policy anniversary between ages 50 and 70, subject to terms.Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Choose a 5-, 10- or 18-year payment term with monthly, quarterly, semi-annual or annual payments; policy fees vary by payment mode.Public source · Checked:
- How premiums can change
The premium rate is guaranteed and unchanged throughout the premium payment term.Public source · Checked:
- Guaranteed / non-guaranteed
Monthly income includes guaranteed and non-guaranteed portions; non-guaranteed amounts should not be treated as assured returns.Public source · Checked:
- Waiting periods
- not yet checked
- Main exclusions
Suicide within two years of issue or reinstatement, whichever is later, ends cover with the specified net premium refund.Public source · Checked:
- Surrender / cancellation
Surrender value is guaranteed cash value plus any terminal dividend and accumulated income with interest, less outstanding premiums, loans and interest.Public source · Checked:
- Cooling-off
- not yet checked
- Riders
- not yet checked
- Claims steps
- not yet checked
- Policy servicing from abroad
- not yet 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.
- What benefit limits apply?
- What waiting periods apply?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
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:
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No same-type products from other insurers are currently listed.
All published facts
All published facts
| Field | Recorded information |
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Names in other languages
- English
- EasyRetire Annuity Plan
- 繁體中文
- 安心退休年金計劃
- 简体中文
- 安心退休年金计划
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Official retail product page; null fields not yet checked
Source date: Not confirmed
- Product brochure linked by the official product page
Source date: Not confirmed
- Official locale product page or catalogue
Source date: Not confirmed
- Official locale product page or catalogue
Source date: Not confirmed