Monthly Reward Annuity Plan

Monthly income starts after one accumulation year; the income period is 18 years or until age 100.Public source · Checked: 14 Oct 2026

The first-year accidental death benefit is 30% of single or first-year premium; issue age must be 65 or below and the aggregate limit across relevant policies is HKD400,000/USD50,000.Public source · Checked: 14 Oct 2026

Premium payment terms are one or three years; the minimum guaranteed monthly income is HKD1,600/USD200.Public source · Checked: 14 Oct 2026

Premium stays unchanged throughout the premium payment term.Public source · Checked: 14 Oct 2026

Monthly income includes guaranteed and non-guaranteed portions; annual dividends and interest accumulation rates are not guaranteed.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Accidental death exclusions include suicide, war, professional sports and pregnancy; suicide within one year of issue or reinstatement limits basic-plan liability to premiums less indebtedness.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Early termination may return less than premiums paid; cash withdrawals reduce surrender value and death benefit.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Cancellation requires a signed written notice within 21 calendar days after delivery of the policy or cooling-off notice, whichever is earlier; premiums and levies are refunded without interest.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Insurer claims guide

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