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Well Enjoy Deferred Annuity Plan (Enrich)

Also known as: 「存」為未來（豐裕）延期年金計劃

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Last checked

Well Enjoy Deferred Annuity Plan (Enrich) is recorded as QDAP annuity. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates

At a glance

Insurer
Well Link Life Insurance Company Limited
Product category
QDAP annuity
Policy currencies
HKD / USD
Premium payment terms
View 2 options
Premium payment terms
5 years
10 years
Issue ages & basis
View 1 options
Issue ages & basis
Recorded informationPremium payment terms / Age basis
18 years to 65 years
Age basis: Not confirmed
Minimum premium & basis
HKD 21,000 / Annual / 10-pay annual: HKD 21,000 or USD 2,700; 5-pay: HKD 42,000 or USD 5,400. Monthly: 1,848/238 or 3,696/476 respectively.

IA-certified QDAP (QDAP0045, certified ) · Source ·

Compare with similar plans

Decision sheet

9 of 14 known · 5 not published · 0 not yet checked
What it pays and when

Benefit term: Until the annuity period ends / 10 or 20 years of annuity after accumulation to age 50 for entry 18–39, or 10 years for entry 40–65.Public source · Checked:

Monthly annuity payments run for 10 or 20 years.Public source · Checked:

Benefit limits
not publishedDocuments checkedPublic source · Checked:
Premium and payment term

Premium payment terms: 5 yearsPublic source · Checked:

Premium payment terms: 10 yearsPublic source · Checked:

Minimum premium & basis: HKD 21,000 / Annual / 10-pay annual: HKD 21,000 or USD 2,700; 5-pay: HKD 42,000 or USD 5,400. Monthly: 1,848/238 or 3,696/476 respectively.Public source · Checked:

Premium-payment terms are 5 or 10 years.Public source · Checked:

How premiums can change
not publishedDocuments checkedPublic source · Checked:
Guaranteed / non-guaranteed

Monthly annuity includes guaranteed and non-guaranteed amounts; the insurer determines the non-guaranteed portion.Public source · Checked:

Waiting periods
not publishedDocuments checkedPublic source · Checked:
Main exclusions

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:

Suicide within 24 months of issue or reinstatement, whichever is later, limits payment to premiums refunded without interest, less indebtedness; premium increases have a separate start date.Public source · Checked:

Suicide within 24 months after issue or reinstatement, whichever is later, limits liability to relevant basic- plan premiums paid without interest less indebtedness. For an increased premium, the same period runs from its effective date and applies only to that increase.Public source · Checked:

Surrender / cancellation

Early surrender pays the policy surrender benefit less indebtedness; the amount may be considerably below total premiums paid. Policy loans may reduce the death benefit.Public source · Checked:

Cooling-off

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

A signed cancellation notice must reach the insurer within 21 calendar days after policy or cooling-off notice delivery, whichever is earlier. Refund of premiums without interest requires no claim under the policy.Public source · Checked:

Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide · Annuity

Annuity — Payment methods: Well Enjoy Enrich: cash by default or leave with insurer at non-guaranteed interest; free change of annuity option.Public source · Checked:

Annuity — Assessment / payment timing: Well Enjoy Enrich monthly: entry ages 18–39 from anniversary after age 50; ages 40–65 from policy year 11. Confirm selected plan.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:

Annuity timing / QDAP

For issue ages 18–39, monthly annuity starts on the policy anniversary following age 50; for ages 40–65, it starts in policy year 11 after a 10-year accumulation period.Public source · Checked:

IA-certified QDAP (QDAP0045, certified )Public source · Checked:

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Questions to ask before buying

Questions to ask before buying (8)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. When and how can premiums change?
  3. What waiting periods apply?
  4. Which riders are available, and what are their costs and terms?
  5. How can I service the policy from abroad, and what restrictions apply?
  6. Can you provide the key facts statement and policy provisions for this product?
  7. What is the cooling-off period, and how do I cancel during it?
  8. 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:

Well Enjoy Deferred Annuity Plan Supreme 2

Goals and audience categories described by product type

Insurers (16)
Similar products from other insurers

Similar products from other insurers

HKD QDAP plans: Over 5 to 10 years premium term

Compare all 9 similar products

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product categoryQDAP annuity
Source 1
Policy currenciesHKD / USD
Source 2
Premium payment terms
  • 5 years
  • 10 years
Source 2
Benefit termUntil the annuity period ends / 10 or 20 years of annuity after accumulation to age 50 for entry 18–39, or 10 years for entry 40–65.
Source 2
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
18 years to 65 years
Age basis: Not confirmed
Source 2
Minimum premium & basisHKD 21,000 / Annual / 10-pay annual: HKD 21,000 or USD 2,700; 5-pay: HKD 42,000 or USD 5,400. Monthly: 1,848/238 or 3,696/476 respectively.
Source 2
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.
Source 3
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Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  2. Official brochure, physical PDF page 7, Product Summary; printed edition code, not effective date

    Source date: / Page: 7

  3. Official brochure, physical PDF pages 13, selected exclusions / suicide section

    Source date: / Page: 13

Information, not advice; we refer to a licensed Hong Kong broker.

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