Wealth Accelerator Multi-Currency Plan

Benefit term: age 130 of the new insured.Public source · Checked: 14 Oct 2026

Accidental death benefit has an aggregate HKD400,000 or equivalent cap across the insurer policies for that insured. Accidental premium waiver has an aggregate HKD80,000 or equivalent cap per calendar year across the relevant policies, including the other specified waiver and payor benefits. The death benefit requires Hong Kong residence and age 65 or below at application; the waiver requires Hong Kong residence, age 18-59 at application, payment-term eligibility and the same person as insured and policyowner.Public source · Checked: 14 Oct 2026

Premium-payment term: 2, 5 or 10 years.Public source · Checked: 14 Oct 2026

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

Partial surrender decreases the premium and total premiums paid under the partial-surrender provisions.Public source · Checked: 14 Oct 2026

Dividends are not guaranteed and can change over time; actual amounts may be higher or lower than projected. Withdrawing dividends reduces total surrender value and total death benefit.Public source · Checked: 14 Oct 2026

For accidental premium waiver, total and permanent disability from an accident and loss of working ability must last at least 6 consecutive months before the insured's 60th birthday. This requirement applies to that waiver; the brochure's eligibility restrictions and limits also apply.Public source · Checked: 14 Oct 2026

Initial-insured suicide within one year of issue or reinstatement, whichever is later, limits payment to paid premiums without interest less indebtedness. A changed insured has a separate endorsement/reinstatement trigger and the stated cash-value alternative. Accidental-death exclusions also include self-injury, war, specified hazardous activities, alcohol or drugs, disease (with the stated accidental-infection exception), and pregnancy.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Partial surrender reduces guaranteed cash value and terminal dividend, and also reduces the principal amount, total surrender value, total death benefit, annual dividend, premium and total premiums paid under the stated provisions.Public source · Checked: 14 Oct 2026

A signed written cancellation notice must reach the insurer within 21 calendar days immediately after delivery of the policy or cooling-off notice, whichever is earlier. Premiums and levy are refunded in the original payment currency without interest.Public source · Checked: 14 Oct 2026

The brochure identifies supplementary accidental death and accidental premium waiver benefits. The accidental death benefit ends when it expires or the basic plan terminates.Public source · Checked: 14 Oct 2026

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: 13 Oct 2026

Savings surrender / withdrawal — Required documents: Signed Cash Surrender Form and required attachments, with signatures matching insurer records.Public source · Checked: 13 Oct 2026

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