Infinity Prestige Life Insurance Plan

The policy term is the insured’s whole life.Public source · Checked: 14 Oct 2026

In the decreasing-death-benefit version, the applicable percentage drops by 5 percentage points each year after the specified anniversary to 50% from the tenth such policy year onward; the total-basic-premiums- paid floor and other terms apply.Public source · Checked: 14 Oct 2026

Premium is paid once in US dollars.Public source · Checked: 14 Oct 2026

The plan combines guaranteed cash value with a non-guaranteed terminal dividend.Public source · Checked: 14 Oct 2026

Life insurance proceeds are excluded for suicide within one year of issue or change of insured, whichever is later.Public source · Checked: 14 Oct 2026

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

Cancellation requires signed notice and return of the policy document, if any, within 21 calendar days after policy delivery or its availability notice, whichever is earlier; the next working day is included if the final day is not a working day.Public source · Checked: 14 Oct 2026

Insurer claims guide · Life / death

Life / death — Steps: Complete the appropriate claim form and supporting documents; eClaim is available via e-Service.Public source · Checked: 13 Oct 2026

Life / death — Submission channels: e-Service eClaim; the claims page also lists the customer service centre and consultant assistance.Public source · Checked: 13 Oct 2026

Life / death — Deadlines / notification: Notify promptly after the event and provide documents within 60 days of occurrence, subject to policy provisions.Public source · Checked: 13 Oct 2026

Life / death — Payment methods: Cheque, Mainland China bank draft or telegraphic transfer; transfer requires SWIFT/bank details and charges may apply.Public source · Checked: 13 Oct 2026

Life / death — Assessment / payment timing: Clean cases: processing about 10 business days; cheque ready about 3–4 business days after approval, before delivery.Public source · Checked: 13 Oct 2026

Life / death — Required documents: Death claim form records the deceased, claimant/beneficiary, cause of death and identity/tax-residency information.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