Wealth for U Savings Protection Plan

Benefit term: 15 years.Public source · Checked: 14 Oct 2026

Maximum principal amount is HKD 15 million or USD 1.875 million per insured and per plan, subject to underwriting above HKD 10 million or USD 1.25 million.Public source · Checked: 14 Oct 2026

Premium-payment term: 3 years.Public source · Checked: 14 Oct 2026

Premiums remain unchanged throughout the premium-payment term.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

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

Surrender or termination before maturity may cause loss of premiums paid; stopping premium payment may cause lapse.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 Waiver of Premium Benefit and Payor Benefit as supplementary benefit options.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