Preeminence

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

Recorded features: Guaranteed cash value and non-guaranteed bonuses; bonus lock-in is subject to policy conditions.Public source · Checked: 13 Oct 2026

Enhanced Basic Sum Insured cannot exceed the lower of basic sum insured or USD10,000,000 aggregated across Preeminence policies for the same insured.Public source · Checked: 13 Oct 2026

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

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

Death Benefit Enhancement Option is separately renewable with age-based prevailing premiums; the insurer can change its rates with at least 30 days’ written notice.Public source · Checked: 13 Oct 2026

Guaranteed cash value and non-guaranteed bonuses; bonus lock-in is subject to policy conditions.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

For Death Benefit Enhancement Option, the suicide period is one year from the later Diamond Anniversary or option-approval date; the liability calculation differs from the basic-plan clause.Public source · Checked: 13 Oct 2026

Early surrender may return considerably less than premiums paid.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