Glorious Fortune – Longevity II Insurance Plan
Also known as: 創逸致富（豐裕版）II保險計劃
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Last checked
Glorious Fortune – Longevity II Insurance Plan is recorded as Whole life. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- FWD Life Insurance Company (Bermuda) Limited
- Product category
- Whole life
- Policy currencies
- USD
- Premium payment terms
View 3 options
Premium payment terms Single premium 5 years 10 years - Issue ages & basis
View 2 options
Issue ages & basis Recorded information Premium payment terms / Age basis 1 year to 75 years Single premium; at least 15 days old.
Age basis: Age next birthday1 year to 70 years 5/10-year premium payment term; at least 15 days old.
Age basis: Age next birthday
- Whole-life participating insurance with non-guaranteed annual dividends and special bonus.
Decision sheet
7 of 13 known · 0 not published · 6 not yet checked
- What it pays and when
Benefit term: Whole lifePublic source · Checked:
Recorded features: Whole-life participating insurance with non-guaranteed annual dividends and special bonus.Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Premium payment terms: Single premiumPublic source · Checked:
Premium payment terms: 5 yearsPublic source · Checked:
Premium payment terms: 10 yearsPublic source · Checked:
- How premiums can change
- not yet checked
- Guaranteed / non-guaranteed
Whole-life participating insurance with non-guaranteed annual dividends and special bonus.Public source · Checked:
- Waiting periods
- not yet checked
- Main exclusions
Published key exclusions (not exhaustive): Advanced death benefit excludes terminal illness caused by intentional self-inflicted injury or attempted suicide.Public source · Checked:
Published key exclusions (not exhaustive): Selected exclusions only; the full policy provisions and individual exclusions apply.Public source · Checked:
- Surrender / cancellation
- not yet checked
- Cooling-off
Signed written cancellation notice must reach FWD within 21 calendar days immediately following delivery of the policy or cooling-off notice to the owner or nominated representative, whichever is earlier. Premiums and levy paid are refunded without interest; no refund if a claim payment was made before cancellation was requested.Public source · Checked:
- Riders
- not yet checked
- Claims steps
Insurer claims guide · Life / death
Life / death — Payment methods: Claim payments usually use policy currency; USD policies may be paid in HKD on request.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:
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 (9)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What waiting periods apply?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- 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?
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.
When does cover end, and can it be renewed or converted?
Taken from the insurer's own brochure for this edition. Ages, deadlines and conditions in the policy contract decide; this list does not say whether renewing or converting suits you.
- Cover ends: Whole life · PDF page 9
- Renewal: Not needed: whole-life cover · PDF page 9
Facts still unverified
- Conversion option: The brochure does not state it.
- Effective date: The brochure does not state it.
Official brochure · PMH275AE2603 · Checked:
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:
- Whole life
- USD
- Premium term band: Single premium
- Premium term band: Up to 5 years
- Premium term band: Over 5 to 10 years
- Issue-age band: Children (0–17)
- Issue-age band: Adults (18–64)
- Issue-age band: Older adults (65+)
- FWD
Goals and audience categories described by product type
Insurers (15)
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- China Taiping Life Insurance (Hong Kong) Company Limited
- Chow Tai Fook Life Insurance Co Ltd
- Chubb Life Insurance Hong Kong Limited
- FWD Life Insurance Company (Bermuda) Limited
- Hong Kong Life Insurance Limited
- HSBC Life (International) Limited
- Manulife (International) Limited
- Prudential Hong Kong Limited
- Sun Life Hong Kong Limited
- Well Link Life Insurance Company Limited
- YF Life Insurance International Limited
Similar products from other insurers
Similar products from other insurers
USD Whole life plans: Over 5 to 10 years premium term
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||||
|---|---|---|---|---|---|---|---|
| Product category | Whole life | ||||||
| Policy currencies | USD | ||||||
| Premium payment terms |
| ||||||
| Benefit term | Whole life | ||||||
| Issue ages & basis |
| ||||||
| Recorded features | Whole-life participating insurance with non-guaranteed annual dividends and special bonus. | ||||||
| Published key exclusions (not exhaustive) |
|
English and Traditional Chinese names follow the sources. Simplified Chinese is an editorial conversion.
Sources & verification dates
Sources & verification dates
Checked:
- Glorious Fortune – Longevity II Insurance Plan — official product brochure
Source date: Not confirmed / Page: 9
- Glorious Fortune – Longevity II Insurance Plan — issuer
Source date: Not confirmed / Page: 1
- Glorious Fortune – Longevity II Insurance Plan — listed product page
Source date: Not confirmed
- Glorious Fortune – Longevity II — participating benefits
Source date: Not confirmed / Page: 3
Checked:
- Glorious Fortune – Longevity II Insurance Plan — plan summary / general information
Source date: / Page: 9
- Glorious Fortune – Longevity II Insurance Plan — selected exclusions
Source date: / Page: 14
- Glorious Fortune – Longevity II Insurance Plan — public product page; undated
Source date: Not confirmed