Crisis USupporter / Crisis USupporter Pro Series

Benefit term: To age 100 / To the policy anniversary immediately preceding the 100th birthday; rider cover may end with its basic policy.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Guaranteed cash value follows the policy schedule. / Dividends or bonuses may include non-guaranteed amounts. / Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked: 13 Oct 2026

Specified Special Disease claims are capped at HKD400,000/USD50,000 per insured for each claim across Crisis USupporter Series policies. Other benefits have separate caps.Public source · Checked: 13 Oct 2026

Premium payment terms: 10 years / 15 years / 20 years / 25 years / 30 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The series lists 10-, 15-, 20-, 25- and 30-year payment options, subject to variant-specific application-age requirements. Ages are on an age-next-birthday basis.Public source · Checked: 13 Oct 2026

Premiums are not guaranteed but do not increase solely with the insured’s age next birthday. The premium-review provisions apply.Public source · Checked: 13 Oct 2026

Guaranteed / non-guaranteed components: Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Dividend / bonus types: Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

Guaranteed cash value follows the policy schedule.Public source · Checked: 13 Oct 2026

Dividends or bonuses may include non-guaranteed amounts.Public source · Checked: 13 Oct 2026

Guaranteed renewal is subject to the stated age limit and policy conditions.Public source · Checked: 13 Oct 2026

Guaranteed Cash Value starts from the third policy anniversary and Special Bonus may apply from the fifth anniversary on eligible surrender. Special Bonus is non-guaranteed.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Family Booster for Parent requires the policy to be in force for at least two consecutive years from the Policy Date, plus its registration, age and relationship requirements.Public source · Checked: 13 Oct 2026

The specified illness benefits exclude the listed HIV-related illness, intentional self-inflicted injury or attempted suicide, criminal participation and non-prescribed drug or alcohol abuse. The benefit-specific exceptions apply.Public source · Checked: 13 Oct 2026

Early surrender may return less than the premiums paid.Public source · Checked: 13 Oct 2026

Eligible surrender before 100% of initial sum insured has been claimed can pay Guaranteed Cash Value and any Special Bonus under the stated timing rules.Public source · Checked: 13 Oct 2026

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked: 13 Oct 2026

A signed written cancellation request must reach FWD within 21 calendar days after delivery of the policy or the cooling-off notice, whichever is earlier. Refund of premiums and levy follows the conditions stated in that section.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Payment methods: Claim payments usually use policy currency; USD policies may be paid in HKD on request.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 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

The series provides cover for 62 Crises, with Special Diseases and variant-specific family/newborn benefits listed separately.Public source · Checked: 13 Oct 2026