Perfect 10 Whole Life Protector

Life coverage runs to age 100; death benefit includes sum assured plus any accumulated dividends, interest and terminal dividend, less indebtedness.Public source · Checked: 14 Oct 2026

The premium-payment term is 10 years, with annual, semi-annual, quarterly or monthly payment.Public source · Checked: 14 Oct 2026

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

Annual and terminal dividends and accumulation interest are non-guaranteed.Public source · Checked: 14 Oct 2026

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 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

Listed supplementary benefits include term life, waiver of premium and payor benefits.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