GoldenStart Whole Life Immediate Annuity Insurance Plan

Recorded features: Guaranteed monthly income starts from the first monthiversary and continues for life, subject to the policy remaining in force.Public source · Checked: 13 Oct 2026

Guaranteed monthly income starts from the first monthiversary and continues for life, subject to the policy remaining in force.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Whole Care Benefit can realise up to 50% of available terminal bonus once per designated diagnosis, up to five times from the third policy anniversary.Public source · Checked: 13 Oct 2026

Premium payment terms: Single premiumPublic source · Checked: 13 Oct 2026

Minimum premium & basis: USD 30,000 / Single premiumPublic source · Checked: 13 Oct 2026

Payment options: single premium; issue-age and option conditions apply.Public source · Checked: 13 Oct 2026

Maximum single premium: USD3,000,000 per life under this product.Public source · Checked: 13 Oct 2026

Guaranteed monthly income starts from the first monthiversary and continues for life, subject to the policy remaining in force.Public source · Checked: 13 Oct 2026

Cash value includes a guaranteed component and a terminal bonus that is not guaranteed.Public source · Checked: 13 Oct 2026

Whole Care Benefit has a 90-day elimination period after issue, policy year date or reinstatement, whichever is later, including accidental causes.Public source · Checked: 13 Oct 2026

Suicide or intentional self-inflicted injury is restricted by the applicable benefit exclusions; scope and exceptions differ by benefit.Public source · Checked: 13 Oct 2026

Early surrender may return substantially less than premiums paid.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Insurer claims guide

Claim notification and proof must comply with the policy’s Notice and Proof of Claims provisions.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 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