Target Saving Pro Insurance Plan

Benefit term: 20 years / 20 or 25 years.Public source · Checked: 21 Oct 2026

Policy terms are 20 or 25 years. A non-guaranteed terminal dividend may be payable from the sixth policy anniversary on surrender, death or maturity.Public source · Checked: 14 Oct 2026

Across the insurer’s Endowment Insurance Plan series, the 102%-premium death benefit component is capped per insured at premiums paid plus HKD 100,000 or USD 12,500.Public source · Checked: 14 Oct 2026

Premium payment terms: Single premiumPublic source · Checked: 21 Oct 2026

Minimum premium & basis: HKD 100,000 / Single premium / Single premium: HKD 100,000 or USD 12,500.Public source · Checked: 21 Oct 2026

Premiums are paid once.Public source · Checked: 14 Oct 2026

Cash value is guaranteed; the terminal dividend is not guaranteed.Public source · Checked: 14 Oct 2026

Published key exclusions (not exhaustive): Suicide within 24 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording.Public source · Checked: 21 Oct 2026

For suicide within 24 months of issue or reinstatement, whichever is later, liability is limited to premiums refunded without interest, less indebtedness.Public source · Checked: 14 Oct 2026

Surrender value is guaranteed cash value plus any terminal dividend, less indebtedness.Public source · Checked: 14 Oct 2026

Cancellation requires signed notice within 21 calendar days after policy delivery or the availability notice, whichever is earlier.Public source · Checked: 14 Oct 2026

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Required documents: The download centre provides policy-change forms; the reviewed policy-management page does not establish a complete surrender checklist.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Assessment / payment timing: Dividend withdrawal: 7-working-day financial-change pledge with complete documents; not a universal surrender deadline.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 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