Life Promise Insurance Plan

Benefit term: To age 100Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Death benefit is subject to the policy terms.Public source · Checked: 13 Oct 2026

Riders require normal underwriting and additional premiums.Public source · Checked: 13 Oct 2026

Premium payment terms: 5 years / 10 years / 15 years / 20 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Basic premiums are level and guaranteed; riders require additional premiums and separate underwriting.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Surrender value combines guaranteed cash value and non-guaranteed accumulated annual dividends, interest and special bonus, less policy debts.Public source · Checked: 13 Oct 2026

Suicide within 13 calendar months from the policy date or reinstatement date limits liability to premiums without interest, less benefits paid and amounts owed, including levy.Public source · Checked: 13 Oct 2026

Early surrender can return considerably less than premiums paid; before the third policy anniversary, prepaid deposits cannot be withdrawn unless the policy is cancelled, surrendered or terminated.Public source · Checked: 13 Oct 2026

Signed written cancellation received within 21 calendar days after delivery of the policy or cooling-off notice, whichever is earlier, refunds premiums and levy without interest if no claim has been paid.Public source · Checked: 13 Oct 2026

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: 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