Retire-at-Ease II Deferred Annuity Plan

A guaranteed bonus is paid immediately before the annuity period begins.Public source · Checked: 14 Oct 2026

Accidental death benefit for the same insured across the insurer policies has an aggregate cap of HKD400,000 or USD50,000. The basic death formula is separately defined in the brochure.Public source · Checked: 14 Oct 2026

The up-to-age-100 option has a 6-year premium term and the fixed-term option a 5-year term. Minimum total premiums are HKD180,000/USD24,000 per policy; both the total-premium and minimum guaranteed monthly annuity requirements must be met.Public source · Checked: 14 Oct 2026

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

Monthly annuity contains guaranteed and non-guaranteed portions; interest on accumulated payments is not guaranteed.Public source · Checked: 14 Oct 2026

If the initial insured commits suicide within one year of issue or reinstatement, whichever is later, liability is limited to premiums paid without interest less indebtedness. Reinstatement refunds are calculated from the reinstatement date.Public source · Checked: 14 Oct 2026

Cancelling after cooling-off before the policy term ends may return less than 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

The brochure separately describes supplementary accidental death benefit; it automatically ends when that benefit expires or the basic plan terminates.Public source · Checked: 14 Oct 2026

Insurer claims guide · Annuity

Annuity — Payment methods: Retire-at-Ease II: monthly cash withdrawal or retain with policy to accumulate interest; confirm payment channel.Public source · Checked: 13 Oct 2026

Annuity — Assessment / payment timing: Retire-at-Ease II: monthly payments during the selected annuity period; this does not specify a servicing or bank-credit deadline.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

The Up To Age 100 option pays monthly annuity to age 100; the fixed-term option pays for 10 years.Public source · Checked: 14 Oct 2026

IA-certified QDAP (QDAP0015, certified 20 Sep 2019)Public source · Checked: 15 Oct 2026