Well Enjoy Deferred Annuity Plan Supreme 2

Benefit term: Until the annuity period ends / 10 or 20 annuity years; accumulation to 50 for entry 18–44 (5-pay) or 18–39 (10-pay), otherwise 5 or 10 years.Public source · Checked: 21 Oct 2026

Monthly annuity payments run for 10 or 20 years.Public source · Checked: 14 Oct 2026

Premium payment terms: 5 yearsPublic source · Checked: 21 Oct 2026

Premium payment terms: 10 yearsPublic source · Checked: 21 Oct 2026

Minimum premium & basis: HKD 20,000 / Annual / Online, 10-pay: HKD/CNY 20,000 or USD 2,500; 5-pay: 38,000 or 4,900. Monthly: 1,760/220 or 3,344/432 respectively.Public source · Checked: 21 Oct 2026

Premium-payment terms are 5 or 10 years.Public source · Checked: 14 Oct 2026

Monthly annuity equals the guaranteed annuity amount. Amounts left with the insurer accumulate at a non- guaranteed interest rate declared from time to time; cash payment is the default if no option is elected.Public source · Checked: 14 Oct 2026

Published key exclusions (not exhaustive): Suicide within 12 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording.Public source · Checked: 21 Oct 2026

Suicide within 12 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: 14 Oct 2026

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: 14 Oct 2026

A signed cancellation notice must reach the insurer within 30 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: 14 Oct 2026

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: 13 Oct 2026

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: 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

With five-year payment, issue ages 18–44 start annuity after age 50 and ages 45–70 start in policy year six. With ten-year payment, ages 18–39 start after age 50 and ages 40–65 start in policy year 11.Public source · Checked: 14 Oct 2026

IA-certified QDAP (QDAP0038, certified 18 Nov 2022)Public source · Checked: 15 Oct 2026