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FlexiFortune Annuity Plan

Last checked

At a glance

Insurer
Manulife (International) Limited
Product category
Other
Premium payment terms
Premium payment terms (4)
Premium payment terms
Single premium
3 years
5 years
10 years
  • Monthly income includes guaranteed income and non-guaranteed income; income can last up to 25 years.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

11 of 13 known · 2 not published
What it pays and when

Recorded features: Monthly income includes guaranteed income and non-guaranteed income; income can last up to 25 years.Public source · Checked:

Monthly income includes guaranteed income and non-guaranteed income; income can last up to 25 years.Public source · Checked:

Benefit limits

The specified advance or accidental benefit has a USD125,000 per-life aggregate cap across the insurer’s same or similar benefits.Public source · Checked:

Premium and payment term

Premium payment terms: Single premium / 3 years / 5 years / 10 yearsPublic source · Checked:

Payment options: single premium, 3 years, 5 years, 10 years; issue-age and option conditions apply.Public source · Checked:

How premiums can change

The stated premium rate is guaranteed for the selected premium payment period.Public source · Checked:

Guaranteed / non-guaranteed

Monthly income includes guaranteed income and non-guaranteed income; income can last up to 25 years.Public source · Checked:

Cash value includes a guaranteed component and a terminal bonus that is not guaranteed.Public source · Checked:

Waiting periods

Dementia Care Booster has a five-year elimination period from issue or reinstatement, whichever is later.Public source · Checked:

Main exclusions

Suicide or intentional self-inflicted injury is restricted by the applicable benefit exclusions; scope and exceptions differ by benefit.Public source · Checked:

Surrender / cancellation

Early surrender may return substantially less than premiums paid.Public source · Checked:

Cooling-off

For Hong Kong policies, signed cancellation must reach the insurer within 21 days of policy or cooling-off notice delivery, whichever is earlier; refund conditions apply.Public source · Checked:

Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide

Claim notification and proof must comply with the policy’s Notice and Proof of Claims provisions.Public source · Checked:

Policy servicing from abroad
not publishedDocuments checkedPublic source · Checked:
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

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:

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:

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:

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (5)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. Which riders are available, and what are their costs and terms?
  2. How can I service the policy from abroad, and what restrictions apply?
  3. Can you provide the key facts statement and policy provisions for this product?
  4. What is the cooling-off period, and how do I cancel during it?
  5. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

GoldenStart Whole Life Immediate Annuity Insurance Plan

Insurers (15)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Other

Source 1
Premium payment terms

Single premium

3 years

5 years

10 years

Source 2
Recorded features

Monthly income includes guaranteed income and non-guaranteed income; income can last up to 25 years.

Source 2
Names in other languages
English
FlexiFortune Annuity Plan
繁體中文
富足自主年金計劃
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. FlexiFortune Annuity Plan — brochure

    Source date: Not confirmed / Page: 1

  2. FlexiFortune Annuity Plan — brochure

    Source date: Not confirmed / Page: 4

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