Financial Security

Planning for Children's Future

Wealth Planning

Wealth planning is important in realizing your and your family’s dreams. Our life insurance and investment funds services can assist you in giving protection to your family as well as seeking wealth growth opportunities for a bright future together.

Education Fund Planning

Assist you to grow funds for your children’s education

Protect and take care of your children with financial support during unexpected circumstances, so they can continue their education

Rest Assured with Protection against Unexpected Strike,
Keeping Plan for Children Undisturbed

Some protection plans provide free extended coverage for disability and unemployment benefits to ease the burden of premium payment, yet still keeping the insurance inforce.
Designated education life insurance plan provides premium waiver benefits for payor’s death/ disability/ critical illness, mitigating the impact to the plan for children under such circumstances.

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Prestige Banking and Preferred Banking customers can open a M.I. Kid AssetBuilder (a single-named Integrated Account) to plan for the needs of their children / grandchildren under 18 years of age and enjoy all the privileges and services offered by M.I. Kid AssetBuilder for free.

New Customers

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Prestige Banking or Preferred Banking customers can access e-Banking for opening a M.I.Kid AssetBuilder.

Existing Customer*

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*Prestige Banking or Preferred Banking customers can access e-Banking for opening a M.I.Kid AssetBuilder.

Service Directory

In this Service Directory, you will find important information regarding M.I.Kid AssetBuilder's fabulous privileges, your all-in-one Account services, consolidated statement, M.I.Kid AssetBuilder Card, important telephone numbers and much more.

- Notes
- Disclosure of information
  
  Life Insurance Plans
  - By choosing plans denominated in currencies other than the local currency, you are subject to exchange rate risks. Exchange rates fluctuate from time to time. Upon the currency conversion, you may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of the exchange rate fluctuations. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. The CNY is currently not freely convertible and conversion of CNY may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
    
    The above mentioned life insurance plans are 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 plans.
    
    You understand that the plans are underwritten by Hang Seng Insurance Company Limited. You have to pay premium to Hang Seng Insurance Company Limited for your application for the plans. The premium includes various fees and charges such as insurance cost (e.g. cost of death benefit determined formulated according to the mortality rate that is affected by sex and age of the insured person) and policy administration charges, etc. You also understand that Hang Seng Insurance Company Limited will pay commissions 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 instead of focusing on sales production only. For details, please call 2198 7838.