ManuTerm

Benefit term: To age 75Public source · Checked: 13 Oct 2026

Recorded features: A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.Public source · Checked: 13 Oct 2026

A death benefit is payable on the insured’s death, subject to the policy’s calculation and conditions.Public source · Checked: 13 Oct 2026

The stated life protection ends at age 75, subject to earlier termination conditions.Public source · Checked: 13 Oct 2026

Premium payment terms: To age 75Public source · Checked: 13 Oct 2026

Minimum premium & basis: USD 100 / Annual / HKD policies: HKD800 annually. Both the minimum protection amount and annual premium must be met.Public source · Checked: 13 Oct 2026

Supplementary premiums are collected together with the basic-plan premium.Public source · Checked: 13 Oct 2026

Premiums are payable during the benefit term; the first level-premium period is ten or twenty years.Public source · Checked: 13 Oct 2026

Premium is fixed for the first 10 or 20 years, then changes at the end of that period and every 10 years thereafter.Public source · Checked: 13 Oct 2026

This protection has no cash value.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

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 · Life / death

Life / death — Steps: Beneficiary submits the Proof of Death claimant statement and relevant evidence.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Life / death — Submission channels: Death claims: in person at the customer service centre or by mail; not through the medical eClaims service.Public source · Checked: 13 Oct 2026

Life / death — Overseas claims / servicing: The FAQ says overseas death uses broadly the same procedure but documents may differ; consult the death checklist.Public source · Checked: 13 Oct 2026

Life / death — Payment methods: Chosen form instruction; preset electronic method if applicable, or cheque via advisor if the chosen method cannot be used.Public source · Checked: 13 Oct 2026

Life / death — Assessment / payment timing: Generally 5–10 working days after all required documents arrive for a result / progress update; actual time varies.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