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Prestige 6-Year Insurance Plan (Golden Series)
Insurance Type: Life Insurance Product
Underwritten by: China Life Insurance (Overseas) Company Limited

Prestige 6-Year Insurance Plan (Golden Series) is a life insurance policy underwritten by China Life Insurance (Overseas) Company Limited (“China Life (Overseas)”), and it is not a product offered by China CITIC Bank International Limited (the “Bank”). The Bank is a licensed insurance agency of China Life (Overseas).

Key Features:

  • Guaranteed Maturity Benefit - The Plan matures in 6 years; maturity benefit is guaranteed and equivalent to 100% of the Basic Amount at the end of the Policy term. This will help you to realize your financial plans by means of the guaranteed returns.
  • 3-Year Premium Payment Term – The Premium payment term of the Plan is only 3 years.
  • Life Protection - In the unfortunate event of death of the Insured whilst the Policy is in force, a death benefit is payable to the Beneficiary. The amount is equivalent to 101% of the accumulated Premiums due and received or guaranteed Cash Value as at the date of death of the Insured, whichever is higher, less any Indebtedness (if any). Where the Insured does not survive the age of 180 days, the death benefit will be the higher of 20% of the Basic Amount or all Premiums paid.
  • Simplified Underwriting - Application for the Plan is easy with simplified underwriting procedures and no medical examination is required.

The above provides only general information on this product for your reference only. Please download the product leaflet now or ask the Bank for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.

Important Note:

  1. Credit risk - This Plan is a life insurance Policy issued by China Life (Overseas). Any Premium paid will become part of China Life (Overseas)’s assets and China Life (Overseas)’s financial soundness will affect their ability to meet their contractual obligations to you under the Policy. Therefore you are subject to China Life (Overseas)’s credit risk.
  2. Early Surrender Risk - The Plan is a life insurance plan with a savings element. Should you surrender the Policy before the end of the policy term, you may receive an amount considerably less than the total amount of Premiums paid and suffer the losses.
  3. Insurance products are not the Bank’s product, are not a deposit or its equivalent. Hence, the plan is not protected by the Deposit Protection Scheme in Hong Kong.
  4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the Product should be resolved between China Life (Overseas) and the customer directly.
  5. You should not buy this product unless you fully understand the product features and risks. For more information, please contact the Bank’s staff. If you have any doubts, please get professional advice from independent advisors.
  6. The information above is for reference only and is for distribution in Hong Kong only.

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