忠意尊安保险计划 Generali Supreme Gold Plan

Transcription

1 忠意尊安保险计划 Generali Supreme Gold Plan 无惧变迁与家人携手向前 Hand in hand, we conquer any changes generali.com.hk Underwritten by Generali Life (Hong Kong) Limited Website: generali.com.hk

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3 Plan for the worst and hope for the best There is no magic wand to predict the future. Your insurance plan plays an important role in protecting the financial securities of your loved ones, when the unfortunate happened. Generali Supreme Gold Plan is an easy access for you to protect your family. The convertible feature of the plan offers you the option to convert to a life insurance plan that fits your needs at different life stages, so that you are well prepared at all times. u Guaranteed Renewal 1 Renewal is guaranteed to age 90. Regardless of the health condition, the Insured is protected. u Guaranteed Convertibility Option 2 You can request to convert your Generali Supreme Gold Plan to another life insurance plan without further evidence of insurability. u Guaranteed Insurability Option 3 In case of specified events, you can increase the coverage without further evidence of insurability. u Death Benefit In the event of death of the Insured, Sum Assured will be payable to the Beneficiary for financial support. Plan Summary Plan Type Benefit Term Premium Payment Term Premium Rate Structure Issue Age Policy Currency 6 Payment Mode Minimum Sum Assured (per policy) Death Benefit Guaranteed Convertibility Option 2 Guaranteed Insurability Option 3 Basic Plan Guaranteed Renewal to age 90 To age 90 Renewable every Renewable every Renewable at 10 years 4 20 years 4 age HKD / USD Annual / Semi-Annual / Quarterly / Monthly HKD800,000 / USD100,000 Sum Assured Convert to another life insurance plan without further evidence of insurability In any of the events below, you may apply for a new policy without further evidence of insurability First wedding anniversary Giving birth Graduation Residential property purchase with mortgage newly set up 60 th birthday 2

4 註 : Remarks: 1. The policy will only be renewable to age 90 when all premium due is paid before the grace period ends and the policy is not terminated due to the reasons stated in the Important Notes. 2. After the first Policy Anniversary and before Insured's age 70, you can request to convert the Generali Supreme Gold Plan to a life insurance product offered by Generali Life (Hong Kong) Limited ( the Company ) upon request and no further evidence of insurability is required, but the sum assured of new policy must be the same as or lower than that of the existing policy. Conversion is subject to the then new product s requirements, administrative requirements, regulatory requirements and approval from the Company. This option is not applicable to policy with substandard premiums or any extra exclusion(s) imposed. Upon successful conversion, existing policy shall be terminated. 3. Application to Guaranteed Insurability Option is subject to the following: - Insured before age 65 and after first Policy Anniversary; - Can only purchase the product offered by the Company at the time of application; - The Insured for the new policy must be the same as the existing policy; - Application must be submitted within 30 days after the event occurred; - Guaranteed Insurability Option can only be exercised once per policy; - The sum assured of the new policy shall not exceed 50% of the sum assured of the existing policy or USD150,000 per life, whichever is lower; - Application is subject to the then new product s requirements, administrative requirements, regulatory requirements and approval from the Company; and - Not applicable to policy with substandard premiums or any extra exclusion(s) imposed. Please refer to the Policy Provisions for the requirements and conditions of the insurable events. 4. At the time of renewal, if attained age of the Insured exceeds the maximum issue age, the premium rate will be renewed to a yearly renewable rate, which is non-guaranteed. Otherwise, the premium rate will be renewed to same renewable period and it is guaranteed. For details, please refer to Policy Provisions. 5. At Insured s age 80, the premium rate will be renewed to a yearly renewable rate, which is non-guaranteed. For details, please refer to Policy Provisions. 6. All premium payments and benefit payouts will be at the Policy Currency. If you request a payment currency different from the Policy Currency subject to our administrative rules, the payable premium amount or the benefit payout amount will be converted to payment currency according to the latest exchange rate solely decided by the Company based on any relevant banks' exchange rate. Fluctuation of exchange rate will impact the actual amount payable in payment currency. 3

5 重要事項 : Important Notes: Please refer to the illustration regarding the non-guaranteed premium rates. If the premium rate is non-guaranteed, the premium rate will be reviewed annually. Adjustment will only be made if there is a substantial deviation of its actual experience versus assumptions. In case it is adjusted, it will be adjusted based on the Company's actual experience relating to its relevant product group, including but not limited to investment return including any market value gains and losses, investment outlook, direct and indirect expenses, claim and lapse experience. The adjustment will not be made to only individual policies but to the group of policies of the same risk class. New premium rate will be effective from the coming policy anniversary with prior notice. You can request to terminate the policy by sending a written request to the Company during the Policy Term, but the premium paid will not be refunded and there is no surrender benefit. If you cease to pay premium during the Premium Payment Term, the policy will be terminated immediately without any value and the premium will not be refunded. Where the actual rate of inflation is higher than expected, and the policyholder might receive less in real terms even if the Company meets all of our contractual obligations. For any suicide of Insured occurred within 1 year from the later of Date of Issue or effective date of any reinstatement of the policy, the liability of the Company shall be limited to return of premiums paid without interest, less any Benefits paid and any Indebtedness. The Company underwrites the plan and you are subject to its credit risk. If the Company is unable to satisfy the financial obligations of the policy, you may lose your premiums paid and benefits. The Company will terminate the policy and you will lose the cover when one of the following happens: - once the Insured dies; - on the Expiry Date of the policy; - once the policy is cancelled, surrendered or converted; or - you cease to pay premium during the Premium Payment Term. This brochure is for reference only. It should be read along with the illustration and other relevant marketing materials (if any), which include additional information and important considerations about this product. Please refer to Policy Provisions for detailed terms and conditions. You can refer to your intermediary or the Company for the Policy Provisions and product details. 4

6 About Generali Group (Parent Company of Generali Life (Hong Kong) Limited) Our Generali entities in Hong Kong have been providing comprehensive insurance and investment protection to individuals and organizations since the 1970s. Over the years, we have come to understand the individual requirements of our clients, and are continuously adapting and innovating to meet their changing needs. The Generali Group is one of the largest global insurance providers. We pride ourselves for our history of over 180 years and we are listed amongst the Fortune Global Top 50 companies with 2015 total premium income of more than 74 billion. With above 76,000 employees worldwide serving 55 million insured persons in more than 60 countries, the Group occupies a leadership position in Western European markets and an increasingly important place in Asia and Central and Eastern Europe. Generali and its core subsidiaries have been affirmed A- ^ Insurer Financial Strength ( IFS ) Rating by Fitch Ratings. For our Group s financial strength, we have consistently received high ratings by independent agencies. Generali is also ranked among the world s 50 smartest companies in 2015 according to the MIT Technology Review and we are the only insurer on the list. Company information as at October 2016 ^Rating affirmed by Fitch as at October 2016 Generali Life (Hong Kong) Limited 5/F, Generali Tower, 8 Queen s Road East, Hong Kong Tel : (852) Fax : (852) : info@generali.com.hk info@generali.com.hk : generali.com.hk Website : generali.com.hk PB/S/TN4/DEC16