FAQ > Other Questions

Being an insurer who cares, we would like to alert you of the financial implications resulting from the termination of your policy. For example, you may loose significant benefits that you have accumulated over the years once you let your policy terminate. Apart from the potential financial implications, the incontestable period, waiting period and suicide clause may have to be re-counted even if you 'continue' your policy with another insurer.

Depending on the nature of your policies, there are various options that you could take depending on the type of policy you have. You have many options other than canceling your policy to meet your own personal needs. E.g. Reduce your cover, change premium payment, take a policy loan, cash your reversionary bonus, convert to paid-up and take a premium holiday etc.

We advise you to contact your financial consultant for assisting you to submit your request should you decide to do so. Alternatively, you could visit our Customer Service Centre for request submission. Another option is to send a completed Application For Change In Policy / Withdrawal form, signed by the policyowner, together with a copy of HKID or Passport (if no HKID) to us for processing.

The current interest rate for USD policy and HKD policy is 0.10% per annum, all subject to change without notice.

Sure. Please contact your financial consultant for filing the request or send us a written notification with the policyowner's signature.

It will be sent to you upon every policy anniversary. For investment link policies, Fund Trading Advice will be delivered in a quarterly basis.

Our policy provides you with worldwide protection and there's no need for you to transfer the policy to the overseas office. All you have to do is to notify us of your latest correspondence address such that all correspondences will be directed there. Please be rest assured that we will render professional services to you wherever you are.

Simply notify your financial consultant and he/she will follow up the case for you. Alternatively, you can mail or fax the request with your signature specimen to us for handling.

No. The policy will be inforce as long as renewal premium is received within one calendar month.

Please complete a Declaration of Loss of Policy and Indemnity Form and return with a handling fee of HKD150.00. Another option is to issue a Policy Schedule which is free of charge.

Should the company fail to receive the premium due after grace period, we will convert the policy to RPU, provided policy values have been accumulated, in accordance with the contract provisions. All riders attached to the policy will be temporarily ceased until policy reinstatement. Once the policy is converted to RPU, the sum assured of the basic plan will be re-calculated but the benefit term will remain unchanged.

Please fill in the Application for Change in Policy Form (with health questionnaire), together with the revival premiums and return to the Company. Late fee will be charged if lapsation is more than three months.

Direct Debit Authorization is required (bank account or credit card) in case it was cancelled/stopped. 

The Company may require customers to perform medical examination at client's expense or provide medical evidence. Please contact your Financial Consultant for details.

Please fill in the Application for Change in Policy Form (with health questionnaire), together with required premiums and return to the Company. Customers may contact his/her Financial Consultant for details of additional coverage and relevant cost. The Company may require customers to perform medical examination at client’s expense or provide medical evidence.

Please let us know your feedback by sending an email, fax or post to our Customer Service Department. Upon receipt of the feedback, we will follow up with you shortly.

We understand that we may not always be able to reach an agreement on your case. If you are not satisfied with our response, please tell us on the contact details above or you may contact the relevant organizations listed below for assistant: