Grand Fortune Whole Life Protection Plan (Lite)

The plan provides whole-life protection.Public source · Checked: 14 Oct 2026

Maximum sum assured is USD 3 million for issue ages 18–55 or USD 1 million for ages 56–60.Public source · Checked: 14 Oct 2026

Premium is paid once in US dollars.Public source · Checked: 14 Oct 2026

Annual dividend, terminal dividend and the interest accumulation rate are not guaranteed and may change; full and Lite premiums, policy values and death benefits differ even for the same insured and sum assured.Public source · Checked: 14 Oct 2026

Terminal dividend may be payable at or after the end of policy year 3 on death, full surrender or the reduced portion on partial surrender. This is dividend timing, not a general waiting period for life cover.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

Partial surrender decreases guaranteed cash value and terminal dividend, sum assured, total surrender value, total death benefit, annual dividend and other applicable benefits.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 · Life / death

Life / death — Steps: Complete the benefit-specific form and submit the required documents.Public source · Checked: 13 Oct 2026

Life / death — Submission channels: Post or deliver in person to Hong Kong Life, 15/F, Cosco Tower, 183 Queen’s Road Central.Public source · Checked: 13 Oct 2026

Life / death — Required documents: Death form I, death certificate, IDs, relationship/CRS proof, original policy; conditional physician/estate/guardian/travel evidence.Public source · Checked: 13 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