- Policy currencies
- USD
- Premium payment terms
- 5 years
LionHarvest Prime Deferred Annuity
Last checked
At a glance
- Insurer
- Generali Life (Hong Kong) Limited
- Product category
- QDAP annuity
- Policy currencies
- USD
- Premium payment terms
Premium payment terms (2)
Premium payment terms 5 years 10 years - Minimum premium & basis
- USD 2,500 / Annual / USD2,500 annually for the 10-year term; USD5,000 annually for the 5-year term.
- Monthly annuity income comprises guaranteed and non-guaranteed amounts; the income period is ten years.
Decision sheet
8 of 14 known · 6 not published · 0 not yet checked
- What it pays and when
Recorded features: Monthly annuity income comprises guaranteed and non-guaranteed amounts; the income period is ten years.Public source · Checked:
Monthly annuity income comprises guaranteed and non-guaranteed amounts; the income period is ten years.Public source · Checked:
- Benefit limits
- not publishedDocuments checkedPublic source · Checked:
- Premium and payment term
Premium payment terms: 5 years / 10 yearsPublic source · Checked:
Minimum premium & basis: USD 2,500 / Annual / USD2,500 annually for the 10-year term; USD5,000 annually for the 5-year term.Public source · Checked:
Premium payment options: 5 years, 10 years; issue-age and plan-option conditions apply.Public source · Checked:
- How premiums can change
- not publishedDocuments checkedPublic source · Checked:
- Guaranteed / non-guaranteed
Monthly annuity income comprises guaranteed and non-guaranteed amounts; the income period is ten years.Public source · Checked:
The plan provides guaranteed cash value; dividends and interest identified as non-guaranteed can change.Public source · Checked:
Terminal dividends are not guaranteed and may change; illustrated dividends are not promised payments.Public source · Checked:
- Waiting periods
- not publishedDocuments checkedPublic source · Checked:
- Main exclusions
Suicide or intentional self-inflicted injury is restricted by the applicable benefit exclusions; scope and exceptions differ by benefit.Public source · Checked:
- Surrender / cancellation
Surrender ends the coverage and can cause a loss relative to premiums paid; the policy’s surrender provisions apply.Public source · Checked:
- Cooling-off
For Hong Kong policies, signed cancellation must reach the insurer within 21 days of policy or cooling-off notice delivery, whichever is earlier; refund conditions apply.Public source · Checked:
- Riders
- not publishedDocuments checkedPublic source · Checked:
- Claims steps
Insurer claims guide · Annuity
not publishedDocuments checkedPublic source · Checked:- Policy servicing from abroad
- not publishedDocuments checkedPublic source · 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
Income starts at an elected age from 50 to 80, on or after the tenth policy anniversary, for ten 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 (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?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- 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.
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:
Goals and audience categories described by product type
Insurers (13)
- AIA International Limited
- AXA China Region Insurance Company (Hong Kong) Limited
- BOC Group Life Assurance Company Limited
- China Life Insurance (Overseas) Company Limited
- China Taiping Life Insurance (Hong Kong) Company Limited
- Chow Tai Fook Life Insurance Co Ltd
- FWD Life Insurance Company (Bermuda) Limited
- Generali Life (Hong Kong) Limited
- HSBC Life (International) Limited
- Manulife (International) Limited
- Prudential Hong Kong Limited
- Sun Life Hong Kong Limited
- YF Life Insurance International Limited
Similar products from other insurers
Similar products from other insurers
- Policy currencies
- HKD / CNY / USD
- Premium payment terms
- 5 years
- Policy currencies
- HKD / CNY / USD
- Premium payment terms
- 5 years
- Policy currencies
- HKD / USD
- Premium payment terms
- 5 years / 10 years
- Policy currencies
- HKD / USD
- Premium payment terms
- 5 years / 10 years / 15 years / 20 years
- Policy currencies
- USD
- Premium payment terms
- 5 years / 10 years
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information |
|---|---|
| Product category | QDAP annuity |
| Policy currencies | USD |
| Premium payment terms | 5 years 10 years |
| Minimum premium & basis | USD 2,500 / Annual / USD2,500 annually for the 10-year term; USD5,000 annually for the 5-year term. |
| Recorded features | Monthly annuity income comprises guaranteed and non-guaranteed amounts; the income period is ten years. |
Names in other languages
- English
- LionHarvest Prime Deferred Annuity
- 繁體中文
- 悠然稅悅延期年金
- 简体中文
- Not confirmed
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- LionHarvest Prime Deferred Annuity — brochure
Source date: Not confirmed / Page: 1
- LionHarvest Prime Deferred Annuity — brochure
Source date: Not confirmed / Page: 8
- LionHarvest Prime Deferred Annuity — brochure
Source date: Not confirmed / Page: 6