Harvest Saver (Single Premium, 3-year Maturity)

Recorded features: If held to three-year maturity, the stated guaranteed maturity amount is 107.69% of total premiums paid in USD.Public source · Checked: 13 Oct 2026

If held to three-year maturity, the stated guaranteed maturity amount is 107.69% of total premiums paid in USD.Public source · Checked: 13 Oct 2026

Guaranteed maturity amount: USD5,000 minimum per policy; USD285,000 maximum per life for this payment period.Public source · Checked: 13 Oct 2026

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

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

If held to three-year maturity, the stated guaranteed maturity amount is 107.69% of total premiums paid in USD.Public source · Checked: 13 Oct 2026

The maturity amount is guaranteed if the policy stays in force until the three-year maturity date.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

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