Well Save Future Coupon Insurance Plan
Also known as: 「息」享未來儲蓄保險計劃
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Last checked
Well Save Future Coupon Insurance Plan is recorded as Participating savings. 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
- Participating savings
- Policy currencies
- HKD / USD
- Premium payment terms
View 5 options
Premium payment terms 5 years 10 years 15 years 20 years 25 years - Issue ages & basis
View 5 options
Issue ages & basis Recorded information Premium payment terms / Age basis 18 years to 50 years 5-year premium term.
Age basis: Age last birthday18 years to 50 years 10-year premium term.
Age basis: Age last birthday18 years to 45 years 15-year premium term.
Age basis: Age last birthday18 years to 40 years 20-year premium term.
Age basis: Age last birthday18 years to 35 years 25-year premium term.
Age basis: Age last birthday
Decision sheet
11 of 13 known · 2 not published · 0 not yet checked
- What it pays and when
Benefit term: To age 100Public source · Checked:
Monthly cash coupons and non-guaranteed dividends start from the policy anniversary following the insured’s 60th birthday and continue to maturity.Public source · Checked:
- Benefit limits
The extended grace period can be claimed once per policy and is capped at 365 days.Public source · Checked:
- Premium and payment term
Premium payment terms: 5 yearsPublic source · Checked:
Premium payment terms: 10 yearsPublic source · Checked:
Premium payment terms: 15 yearsPublic source · Checked:
Premium payment terms: 20 yearsPublic source · Checked:
Premium payment terms: 25 yearsPublic source · Checked:
Premium-payment terms are 5, 10, 15, 20 or 25 years.Public source · Checked:
- How premiums can change
For accidental total and permanent disability between ages 18 and 60, premiums falling due before recovery are waived, subject to exclusions.Public source · Checked:
- Guaranteed / non-guaranteed
Cash coupons are guaranteed; dividends and accumulation interest are not guaranteed.Public source · Checked:
- Waiting periods
The extended grace period for redundancy or dismissal is available only after the policy has been in force for more than one year.Public source · Checked:
- Main exclusions
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:
Published key exclusions (not exhaustive): Premium waiver excludes pre-existing conditions; full wording and exceptions apply.Public source · Checked:
For suicide within 12 months of issue or reinstatement, whichever is later, payment is limited to premiums refunded without interest, less indebtedness; an increase in premium has its own applicable start date.Public source · Checked:
- Surrender / cancellation
Surrender value includes guaranteed cash value, accumulated cash coupons and dividends with any interest, less indebtedness.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:
- Riders
- not publishedDocuments checkedPublic source · Checked:
- Claims steps
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:
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:
- 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:
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 (5)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- Which riders are available, and what are their costs and terms?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- 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.
Which parts of this plan does the brochure call guaranteed?
Taken from the insurer's own brochure for this edition. A component listed as non-guaranteed can be higher or lower than any illustration; the policy contract decides.
- Guaranteed cash value: Guaranteed · PDF page 5
- Guaranteed coupons, income or cash payments: Guaranteed · PDF page 3
- Interest on amounts left with the insurer: Non-guaranteed · PDF page 4
Facts still unverified
- Edition code: No edition code was matched to this brochure.
- Effective date: The brochure does not state it.
Official brochure · Edition code not captured · Checked:
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 Protect Whole Life Insurance Plan
- Participating savings
- HKD
- USD
- Premium term band: Up to 5 years
- Premium term band: Over 5 to 10 years
- Premium term band: Over 10 years
- Issue-age band: Adults (18–64)
- Well Link Life
Goals and audience categories described by product type
Insurers (17)
- AIA International Limited
- AXA China Region Insurance Company (Hong Kong) Limited
- BOC Group Life Assurance Company Limited
- China Life Insurance (Overseas) Company Limited
- China Taiping Life Insurance (Hong Kong) Company Limited
- Chow Tai Fook Life Insurance Co Ltd
- Chubb Life Insurance Hong Kong Limited
- FWD Life Insurance Company (Bermuda) Limited
- Generali Life (Hong Kong) Limited
- Hong Kong Life Insurance Limited
- HSBC Life (International) Limited
- Manulife (International) Limited
- Prudential Hong Kong Limited
- Sun Life Hong Kong Limited
- Well Link Life Insurance Company Limited
- YF Life Insurance International Limited
- Zurich Life Insurance (Hong Kong) Limited
Similar products from other insurers
Similar products from other insurers
HKD Savings plans: Over 10 years premium term
Comparison groups
Comparison groups
- USD Savings plans compared
- USD Savings plans: Up to 5 years premium term
- HKD Savings plans compared
- HKD Savings plans: Up to 5 years premium term
- USD Savings plans: Over 5 to 10 years premium term
- HKD Savings plans: Over 5 to 10 years premium term
- USD Savings plans: Over 10 years premium term
- HKD Savings plans: Over 10 years premium term
- Well Link Life Savings plans compared
All published facts
All published facts
| Field | Recorded information | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Product category | Participating savings | ||||||||||||
| Policy currencies | HKD / USD | ||||||||||||
| Premium payment terms |
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| Benefit term | To age 100 | ||||||||||||
| Issue ages & basis |
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| Published key exclusions (not exhaustive) |
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Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Official product page, Product Summary section; publication date unknown
Source date: Not confirmed
- Official brochure, physical PDF page 8, Product Summary; printed edition code, not effective date
Source date: / Page: 8
- Official brochure, physical PDF pages 13–14, selected exclusions / suicide section
Source date: / Page: 13