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Information, not advice; we refer to a licensed Hong Kong broker.

Monthly Harvest Savings Insurance Plan

Also known as: 「悅月豐盛」儲蓄保險計劃

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Last checked

Monthly Harvest Savings Insurance Plan is recorded as Participating savings. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates

At a glance

Insurer
Hong Kong Life Insurance Limited
Product category
Participating savings

Decision sheet

11 of 13 known · 2 not published · 0 not yet checked
What it pays and when

Non-guaranteed monthly income starts from monthiversary 13 for the two-year payment term, or monthiversary 49 for the five-year term; coverage lasts 50 years.Public source · Checked:

Benefit limits

Advance Income Benefit is payable once per plan, after which it ceases.Public source · Checked:

Premium and payment term

Premium-payment terms are 2 or 5 years, with annual payment.Public source · Checked:

How premiums can change

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

Guaranteed / non-guaranteed

Cash value is guaranteed; monthly income and special dividends are non-guaranteed.Public source · Checked:

Waiting periods

Advance Income Benefit takes effect after the latest of the end of the payment term, one year after a change of insured, or one year after reinstatement.Public source · Checked:

Main exclusions

Advance Income Benefit excludes pre-existing conditions, self-inflicted injuries and claims connected with alcohol or drugs, among other exclusions.Public source · Checked:

Surrender / cancellation

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

Cooling-off

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

Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

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:

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

Savings surrender / withdrawal — Deadlines / notification: Return the signed form and required documents within 14 working days of signing.Public 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:

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 (5)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. Which riders are available, and what are their costs and terms?
  2. How can I service the policy from abroad, and what restrictions apply?
  3. Can you provide the key facts statement and policy provisions for this product?
  4. What is the cooling-off period, and how do I cancel during it?
  5. 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.

Which parts of this plan does the brochure call guaranteed?

Taken from the insurer's own brochure for this edition. A component listed as non-guaranteed can be higher or lower than any illustration; the policy contract decides.

  • Guaranteed cash value: Guaranteed · PDF page 4
  • Terminal bonus or dividend: Non-guaranteed · PDF page 3
  • Interest on amounts left with the insurer: Non-guaranteed · PDF page 4
Facts still unverified
  • Edition code: No edition code was matched to this brochure.
  • Effective date: The brochure does not state it.

Official brochure · Edition code not captured · Checked:

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:

Prime Prestige Savings Insurance Plan

Participating savings

Goals and audience categories described by product type

Insurers (17)
Similar products from other insurers

Similar products from other insurers

All published facts

All published facts

FieldRecorded information
Product categoryParticipating savings
Source 1
Ask a licensed Hong Kong broker for a free comparison of this plan

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Official retail product page; null fields not yet checked

    Source date: Not confirmed

  2. Product brochure linked by the official product page

    Source date: Not confirmed

  3. Official locale product page or catalogue

    Source date: Not confirmed

  4. Official locale product page or catalogue

    Source date: Not confirmed

Information, not advice; we refer to a licensed Hong Kong broker.

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