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Savings and Life Protection

	Lifelong Reward Protection Plan
	Maxi-protection Life Insurance Plan
	Flexi-Income Life Insurance Plan

Lifelong Reward Protection Plan

Short Payment Term with Guaranteed Cash Payment Every Five Years and a Lifelong Protection
Lifelong Reward Protection Plan of Hang Seng Insurance Company Limited combines the benefits of short-term premium payment life-long protection with regular Guaranteed Cash Payment, letting you enjoy a bright future with ease.

	Ten years payment terms to enjoy lifetime protection
	Receive 10% Guaranteed Cash Payment⁽¹⁾ every five years, starting from the fifth Policy Anniversary.
	Enjoy a Double Guaranteed Cash Payment⁽¹⁾ at the twentieth Policy Anniversary
	Receive projected annual policy dividends⁽²⁾ declared by "Hang Seng Insurance"
	Free additional benefits - Unemployment Benefit - Waiver of Premium on Disability Benefit - Payor's Benefit
	Optional benefits covering Accidental Death and Dismemberment Benefit, Major Illness PLUS Benefit and Renewable Term Life Benefit⁽³⁾
	Guaranteed Insurability Option with no medical examination required

(1)	While the policy is in force, Guaranteed Cash Payment equals to 10% of the sum insured and is payable every five years starting from the fifth Policy Anniversary till the termination of the basic policy. On the 20th Policy Anniversary, the Guaranteed Cash Payment will be equal to 20% of the sum insured. You may choose to receive the payment in cash or retain it in the policy to accumulate interest.
(2)	Annual policy dividends are not guaranteed.
(3)	Optional benefits should be enrolled at the time of application for basic plan. Accidential Death and Dismemberment Benefit and Major Illness PLUS Benefit provide you with insurance protecion up to the insurance age of 65. The Renewable Term Life Benefit provides you with protection up to the insurance age of 70. Accidental Death and Dismemberment Benefit is also applicable to life insured with insurance age of 17 or below at enrolment. The premium for all optional benefits are to be paid until the end of the protection period of the respective optional benefits.

Please call 2198 7838 or visit any of our branches.

Maxi-protection Life Insurance Plan

Life-long Protection Allows You to Sail Through Life with Peace of Mind
Maxi-protection Life Insurance Plan of Hang Seng Insurance Company Limited provides you with comprehensive life insurance protection as you stride towards with your career, allowing you to sail forward and realize your various dreams and aspirations.

	Life protection up to insurance age⁽¹⁾ of 99.
	Various choices of premium payment period: 5 years, 10 years, 25 years, premium payment until the Life Insured reaches the insurance age⁽¹⁾ of 65 or 99.
	Coverage includes Basic Death Benefit, Wavier of Premium on Disability Benefit⁽²⁾ or Payor's Benefit⁽³⁾.
	Optional benefits available for greater protection.
	Projected policy dividends⁽⁴⁾ distributed annually.
	Fixed premium for easy financial planning

For more information, please call 2198 7838 or visit any of our branches.

(1)	Insurance age means, at any date, the age of the Life Insured on the birthday nearest to the Policy Date plus number of completed Policy Years.
(2)	In case the Life Insured becomes disabled caused by accident or illness before the insurance age⁽¹⁾ of 65, and unable to work for at least 183 consecutive days, all premiums due and payable during the period of disability will be waived until the recovery of the Life Insured, or until the end of premium payment term, or until the Life Insured reaches the insurance age⁽¹⁾ of 65 (whichever is earlier).
(3)	Payor's Benefit applicable to the Life Insured with the insurance age⁽¹⁾ of 17 or under, and the Payor with the insurance age⁽¹⁾ between 18 and 60 at the time of enrolment. In the unfortunate event of the Payor's death or the Payor becomes disabled caused by accident or illness and unable to work for at least 183 consecutive days before his or her insurance age⁽¹⁾ of 65, all premiums due and payable during the period of disability will be waived until the recovery of the Payor, or until the Life Insured reaches the insurance age⁽¹⁾of 25, or until the Payor reaches the insurance age⁽¹⁾ of 65 (whichever is earlier).
(4)	Distribution of projected annual policy dividends and the interest rate used for policy dividends accumulation are not guaranteed.

Notes :
•	The Maxi-protection Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited which is authorized and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank Limited is an insurance agent authorised by Hang Seng Insurance Company Limited.
•	The above information is intended as a general summary of information for reference only. Please refer to the relevant policy for exact terms, conditions and exclusions of the Plan.

Flexi-Income Life Insurance Plan

Enrich Your Lifestyle after 8 years for a 3-year Premium Payment Term
Hang Seng Insurance Company Limited’s Flexi-Income Life Insurance Plan helps you save and use your reserve as you wish or accumulate it to suit different financial needs along different life stages:

	With only 3 years premium payment, you will receive 8 or 18 years’ Monthly Income⁽²⁾ upon the commencement of the Regular Income Period⁽¹⁾ after 8 years from the time the policy takes effect.
	Receive Guaranteed Additional Bonus⁽³⁾ in a lump sum at the beginning of the Regular Income Period⁽¹⁾.
	Offer several income withdrawal options before the commencement of Regular Income Period⁽¹⁾ for added flexibility.
	Optional benefits including Waiver of Premium on Disability Benefit⁽⁴⁾ and Payor’s Benefit⁽⁵⁾.
	Easy enrolment⁽⁶⁾ and no medical examination is required.

(1)	Regular Income Period refers to the period during which Monthly Income is paid.
(2)	Monthly Income includes Monthly Guaranteed Income and Monthly Non-guaranteed Income. The Monthly Non-guaranteed Income is not guaranteed and the actual amount paid could be higher or lower than the projected amount. During the Regular Income Period, Monthly Income is payable to the Policyholder on each Monthiversary until the end of the Regular Income Period. The Policyholder may choose to withdraw or accumulate for interest.
(3)	Guaranteed Additional Bonus is payable to the Policyholder in a lump sum upon the commencement of the Regular Income Period. The Policyholder can choose to withdraw or accumulate with interest. Guaranteed Additional Bonus is guaranteed and is calculated based on the Regular Income Period⁽²⁾ (according to your plan choice) x Monthly Guaranteed Income. For example, a Policyholder who chooses 8-Year Flexi-Income Life Insurance Plan, the Guaranteed Additional Bonus equals the Monthly Guaranteed Income x 8 months etc.
(4)	Waiver of Premium on Disability Benefit has to be opted for, and only applies to the Life Insured who was at the insurance age of 18 or above at the time of enrollment. This optional benefit should be enrolled at the time of the application for the basic Plan and payment lasts until the end of Premium Payment Term under the basic Plan.
(5)	Payor’s Benefit has to be opted for, and only applies to the Life Insured who was at the insurance age of 17 or under, and the payor who was between the insurance age of 18 and 60 at the time of enrollment. This optional benefit should be enrolled at the time of the application for the basic Plan and payment lasts until the end of Premium Payment Term under the basic Plan.
(6)	Hang Seng Insurance Company Limited reserves the right to accept or decline any applications for the Plan based on the information provided by the Life Insured during application.

Please call 2198 7838 or visit any of our branches.

Notes :
•	The above Plans are underwritten by Hang Seng Insurance Company Limited which is authorised and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank Limited is an insurance agent authorised by Hang Seng Insurance Company Limited.
•	The above information is intended as a general summary of the information only. Please refer to the relevant policy for exact terms, conditions and exclusions of the Plan.

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