Swiss Fortune (Premier) Universal Life Insurance Plan

Benefit term: To age 100 / Earlier of 150 policy years or age 100 (next birthday).Public source · Checked: 13 Oct 2026

Recorded features: Universal life account with non-guaranteed crediting interest, loyalty bonus and withdrawal options; surrender charges may apply.Public source · Checked: 13 Oct 2026

Premium payment terms: 2 years / 5 years / 10 yearsPublic source · Checked: 13 Oct 2026

Minimum premium & basis: USD 400 / Monthly / Monthly minimum USD 400; annual minimum USD 4,800.Public source · Checked: 13 Oct 2026

Universal life account with non-guaranteed crediting interest, loyalty bonus and withdrawal options; surrender charges may apply.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

OneZurich provides policy enquiries, transaction history, fund switching/redirection and e-documents.Public source · Checked: 13 Oct 2026

For an address outside Hong Kong, use the life enquiry form to request an address change.Public source · Checked: 13 Oct 2026

Feedback: enquiry form; acknowledge in 1 working day, reply target 5 (simple) or 15 (other); extension updates every 2 weeks.Public source · Checked: 13 Oct 2026

Postal claims address: Life Claims Department, 26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.Public source · Checked: 13 Oct 2026

Death claims: estate evidence means administration if no beneficiary/no will, or probate if a will; address proof within 3 months.Public source · Checked: 13 Oct 2026

Regular withdrawal may reduce values/benefits; designated plans lose basic life/CI cover. Remittance charges are deducted.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