Delightful Life Savings Insurance Plan

Life coverage runs to age 130; changing the insured can extend coverage to that age of the new insured.Public source · Checked: 14 Oct 2026

After a change to two insureds and two new policies, the aggregate guaranteed special coupon under those new policies is capped at HKD10,000 or the equivalent in another currency. If it was already paid before the change, subsequent insureds have no further entitlement.Public source · Checked: 14 Oct 2026

Premium-payment term: Single premium or 5 or 10 years.Public source · Checked: 14 Oct 2026

Premiums remain unchanged throughout the premium-payment term.Public source · Checked: 14 Oct 2026

Monthly income, terminal dividend and the annual interest accumulation rate are not guaranteed and can change; withdrawal of monthly income or interest reduces total surrender value and total death benefit.Public source · Checked: 14 Oct 2026

Advance income benefit takes effect at the latest applicable date: completion of the premium payment term for 5-year or 10-year payment policies, one year after a change of insured, or one year after reinstatement. It ceases after one payment and ends when the insured attains age 100. These timing rules apply to that benefit.Public source · Checked: 14 Oct 2026

For the initial insured, suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums refunded without interest, less indebtedness.Public source · Checked: 14 Oct 2026

Ending the policy before maturity may return less than the total premiums paid.Public source · Checked: 14 Oct 2026

Cancellation requires signed notice within 21 calendar days after policy delivery or the availability notice, whichever is earlier.Public source · Checked: 14 Oct 2026

On a change of insured, existing supplementary benefits for the previous insured terminate without refund of unearned premium. Supplementary benefits for the new insured require application and underwriting under the insurer rules.Public source · Checked: 14 Oct 2026

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Steps: The cash surrender form requests full termination; consider loss of cover and premium loss before signing.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Required documents: Signed Cash Surrender Form and required attachments, with signatures matching insurer records.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Deadlines / notification: Return the signed form and required documents within 14 working days of signing.Public source · Checked: 13 Oct 2026

The brochure includes third-party mainland China health assistance, including appointment and accompanying services at designated mainland hospitals, online rehabilitation guidance and oncology management. This service is not part of insurance coverage, is not guaranteed and may be cancelled or amended by the insurer. It does not establish overseas policy-administration arrangements.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 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