LionPainter Flexi Insurance Plan

Recorded features: A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.Public source · Checked: 13 Oct 2026

A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.Public source · Checked: 13 Oct 2026

Accidental death benefit is 200% of total premiums paid, subject to the stated aggregate benefit conditions.Public source · Checked: 13 Oct 2026

Premium payment terms: 10 years / 11 years / 12 years / 13 years / 14 years / 15 years / 16 years / 17 years / 18 years / 19 years / 20 years / 21 years / To age 22 / 23 years / 24 years / 25 yearsPublic source · Checked: 13 Oct 2026

Premium payment options: 10 years, 11 years, 12 years, 13 years, 14 years, 15 years, 16 years, 17 years, 18 years, 19 years, 20 years, 21 years, to age 22, 23 years, 24 years, 25 years; issue-age and plan-option conditions apply.Public source · Checked: 13 Oct 2026

Premium remains unchanged throughout the benefit term.Public source · Checked: 13 Oct 2026

The premium refund benefit at the end of the benefit term is guaranteed under the stated terms.Public source · Checked: 13 Oct 2026

Suicide or intentional self-inflicted injury is restricted by the applicable benefit exclusions; scope and exceptions differ by benefit.Public source · Checked: 13 Oct 2026

Surrender ends the coverage and can cause a loss relative to premiums paid; the policy’s surrender provisions apply.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Insurer claims guide

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