LifeDeluxe Insurance Plan

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026

Recorded features: Plan Smart and Plan Wise share this product; whole-life cover, guaranteed cash value and non-guaranteed annual dividends and terminal bonus.Public source · Checked: 13 Oct 2026

Guaranteed Insurability Option may be used for an eligible new whole-life plan or a term-life supplementary benefit, subject to the stated limits and rules.Public source · Checked: 13 Oct 2026

Guaranteed Insurability Option is limited to the lower of USD50,000/HKD400,000 or 50% of original sum insured per exercise, up to three exercises, subject to event and eligibility conditions.Public source · Checked: 13 Oct 2026

Premium payment terms: 5 years / 10 years / 20 yearsPublic source · Checked: 13 Oct 2026

Minimum premium & basis: USD 200 / Annual / USD option; HKD option minimum HKD 1,600 annually; minimum sum insured also applies.Public source · Checked: 13 Oct 2026

Basic-plan premiums are level and guaranteed.Public source · Checked: 13 Oct 2026

Plan Smart and Plan Wise share this product; whole-life cover, guaranteed cash value and non-guaranteed annual dividends and terminal bonus.Public source · Checked: 13 Oct 2026

The plan combines guaranteed cash value with non-guaranteed dividends or Terminal Bonus.Public source · Checked: 13 Oct 2026

Suicide within one year of the Policy Date limits liability to premiums paid less paid/payable benefits and policy debt.Public source · Checked: 13 Oct 2026

The diabetic-complications and diabetes-cash benefits exclude claims arising from pre-existing symptoms or conditions.Public source · Checked: 13 Oct 2026

Early surrender may return considerably less than premiums paid.Public source · Checked: 13 Oct 2026

Cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier; follow the brochure’s written-notice requirements. For basic cover only; rider cancellation follows the attached policy.Public source · Checked: 13 Oct 2026

Insurer claims guide · Life / death

Life / death — Required documents: Life Claim Application C03 is available; this entry does not provide an eClaims submission link.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