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Insurance & MPF > Life Insurance > FutureEnrich Life Insurance Plan
FutureEnrich Life Insurance Plan
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FutureEnrich is a life insurance plan ("The Plan") and is not a bank deposit. It is underwritten by Hang Seng Insurance Company Limited("Hang Seng Insurance"). 

Designed to accommodate payment flexibility with multiple premium options, The Plan helps you accumulate wealth by delivering guaranteed returns. It pays out a Guaranteed Monthly Income that increases annually as well as a lump-sum non-guaranteed Terminal Dividend, enabling you to plan for your future.

Remark: Please refer to the product leaflet for detailed terms and conditions and exclusions. And please refer to the Notes on Participating Policy for details of dividend philosophy, investment strategy and historical fulfilment ratio of dividend distribution.

  • Incremental Guaranteed Monthly Income counters inflation
    The Guaranteed Monthly Income payable under FutureEnrich will increase by 3% p.a., starting from the 2nd year after the commencement of the income period based on the initial Guaranteed Monthly Income helps to counteract the effects of inflation (calculations based on simple interest).
  • Flexible premium payment period and income withdrawal period options to suit your financial plans
    You can choose either a premium payment period of 2 years, 3 years or 5 years, and enjoy stable returns through a Guaranteed Monthly Income distributed over 8 years, 9 years or 10 years, or accumulate that in your policy account to earn interest until the end of the Income Period of the policy.
  • Easy application with guaranteed acceptance to the Basic Plan plus a uni-rate premium
    Provided that the Life Insured fulfils the requirements of the Plan, acceptance is guaranteed and a uni-rate premium applies, irrespective of underwriting record, occupation, health condition and financial status.
  • Payment of the Death Benefit
    The policyholder may plan for the payment of the Death Benefit in advance. If the Life Insured passes away during the Income Period, the beneficiary(ies) may opt to continue receiving the remaining Guaranteed Monthly Income as the Death Benefit, or receive the Death Benefit in a lump-sum payment. The plan can be tailored to complement existing estate plans.
  • Additional coverage
    Free supplemental benefits:
    • Terminal Illness Benefit
    • Accidental Death Benefit
    • Unemployment Benefit
    Optional supplemental benefits:
    • Waiver of Premium Benefit
    • Payor’s Benefit
    • Cancer Benefit
Remark: Please refer to the product brochure for detailed terms, conditions and exclusions.
Hotline Information
Application Hotline:
  • Life Insurance: (852) 2198 7838
  • Refundable Life Insurance: (852) 2998 8080
  • General Insurance: (852) 2998 9888
  • Medical Insurance (Bupa): (852) 2998 9886

Policy Enquiry Hotline:
  • Life Insurance: (852) 2596 6262
  • Travelsure, Home Care & other General Insurance (QBE): (852) 2828 3138
  • Medical Insurance (Bupa - Essential): (852) 2517 5588
  • Medical Insurance (Bupa - Excel / Global Supreme): (852) 2517 5688
Important Notes

The FutureEnrich Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited, which is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the product is a product of Hang Seng Insurance Company Limited, not Hang Seng Bank.

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 Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly.

The above information is intended as a general summary of information only. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.

You understand that this Plan is underwritten by Hang Seng Insurance Company Limited. You are required to pay premium to Hang Seng Insurance Company Limited for your application for this Plan. The premium includes various fees and charges such as the insurance cost (e.g. cost of the death benefit, which is determined and formulated according to the mortality rate, which in turn is affected by the sex and age of the Life Insured) and policy administration charges, etc. You also understand that Hang Seng Insurance Company Limited will pay commission and sales incentives to “Hang Seng Bank” for marketing this Plan. The current remuneration system that “Hang Seng Bank” adopts is a measurement of the staff’s overall performance rather than a focus on sales production only.