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Gold Fortune Deferred Annuity Plan

Last checked

At a glance

Insurer
Chubb Life Insurance Hong Kong Limited
Product category
QDAP annuity
Product enquiry via a licensed Hong Kong broker

Decision sheet

10 of 14 known · 0 not published · 4 not yet checked
What it pays and when

Guaranteed monthly annuity income increases by 5% at each policy anniversary from the second annuity year.Public source · Checked:

Benefit limits
not yet checked
Premium and payment term

Premium-payment terms are 5 or 10 years.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

Monthly income contains guaranteed and non-guaranteed portions; maturity dividend also contains both portions.Public source · Checked:

Waiting periods
not yet checked
Main exclusions

Suicide within two years of issue or reinstatement, whichever is later, limits payment to the stated premium refund after deductions.Public source · Checked:

Surrender / cancellation

Early surrender value may be considerably less than premiums paid.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
not yet checked
Claims steps

Insurer claims guide · Annuity

Annuity — Assessment / payment timing: Gold Fortune: monthly over 10 years from selected age 55 or 65. Benefit schedule, not servicing turnaround.Public source · 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:

Annuity timing / QDAP

Monthly annuity starts at the selected policy anniversary at age 55 or 65 and is payable for 10 policy years.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 (7)

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

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Goals and audience categories described by product type

Insurers (16)
Similar products from other insurers

Similar products from other insurers

All published facts

All published facts

FieldRecorded information
Product category

QDAP annuity

Source 1
Names in other languages
English
Gold Fortune Deferred Annuity Plan
繁體中文
Gold富稅延期年金計劃
简体中文
Gold富税延期年金计划

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