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Future Assure

Last checked

At a glance

Insurer
Manulife (International) Limited
Product category
Participating savings
Policy currencies
USD
Premium payment terms
Premium payment terms (3)
Premium payment terms
Single premium
2 years / The 2-year payment period is a limited offer.
5 years
  • A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.
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: A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.Public source · Checked:

A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.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 / 2 years / The 2-year payment period is a limited offer. / 5 yearsPublic source · Checked: Public source · Checked:

Payment options: single premium, 2 years, 5 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

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

Waiting periods

A 90-day initial elimination period applies to the stated illness benefit from the specified issue, policy or reinstatement date; benefit-specific conditions apply.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 · Savings surrender / withdrawal

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

Savings surrender / withdrawal — Steps: Review an advisor-prepared request online / in app, or send the signed maturity / surrender form by mail or in person.Public source · Checked:

Savings surrender / withdrawal — Required documents: Current ID / passport copy; for eligible direct credit, bank proof showing sole account holder and number.Public source · Checked:

Savings surrender / withdrawal — Deadlines / notification: Submit within 30 days of signing; next-anniversary surrender requests no more than 60 days before that anniversary.Public source · Checked:

Savings surrender / withdrawal — Payment methods: Direct credit up to HKD300,000 / USD37,500 per policy or cheque; amounts above HKD1 million equivalent use cheque.Public source · Checked:

Savings surrender / withdrawal — Assessment / payment timing: Usually processed within 6 business days, plus around a day for payment depending on method; further evidence can delay it.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?
How the value of this kind of plan works

How the value of this kind of plan works

Read this before any illustration. It describes these plans in general; the policy contract decides.

Guaranteed part
Guaranteed cash value is specified in the contract. Early values are usually low; non-guaranteed values may change.
Non-guaranteed part
Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early
Early surrender usually returns less than premiums paid. The break-even year depends on the individual illustration.
Currency
Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.
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:

Genesis

Goals and audience categories described by product type

Insurers (14)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Participating savings

Source 1
Policy currencies

USD

Source 2
Premium payment terms

Single premium

2 years / The 2-year payment period is a limited offer.

5 years

Source 1Source 2
Recorded features

A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.

Source 3
Names in other languages
English
Future Assure
繁體中文
宏浚傳承保障計劃
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. Future Assure — brochure

    Source date: Not confirmed / Page: 1

  2. Future Assure — brochure

    Source date: Not confirmed / Page: 4

  3. Future Assure — brochure

    Source date: Not confirmed / Page: 10

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