Exquisite Universal Life Insurance Series

Plan overview

Exquisite Universal Life Insurance Series (“Exquisite”) is designed to meet your needs in different dimensions with substantial coverage. Exquisite can help you flexibly manage your wealth, and provide a supplementary health protection for yourself. Rest assured you can make your success a lasting legacy with Exquisite.

Key features

This Plan offers various payment term options. You may elect either single or annual payment from 2 to 10 years if the policy currency is in USD; you may also make additional unscheduled premium payments. If the policy currency is RMB, only single and 2-year payment options are available and unscheduled additional premium payments cannot be made.

If your policy currency is USD, you can lock in a Guaranteed Crediting Interest Rate on your first premium for 1, 3, or 5 years (while only the 1-year option can be chosen if your policy currency is in RMB).

This plan allows you to make changes to the Life Insured, depending on the requirements of Hang Seng Insurance, the prevailing laws and regulations and other practical constraints applicable at that time. Charges may be incurred as determined by Hang Seng Insurance.

You may select a No-lapse Guarantee Benefit up till age 100 upon enrolment in this Plan. We will then maintain the specified Sum Insured in force until the death of the Life Insured or the Life Insured reaches age 100.

You can create a charity donation which equals to an extra of 1% of the Sum Insured, up to a maximum of USD100,000 (or policy currency equivalent) at no additional cost.

Should the Life Insured unfortunately be diagnosed with life threatening terminal illness while the policy is in force, the Accelerated Death Benefit will be paid.

Make a claim

Claim procedures

Find details on how to submit your claim and more.

Download form

You can find all the forms and documents here for our insurance products.

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Other point(s) to note

  1. Exquisite Universal Life Insurance Series (“the Plan”) is underwritten by Hang Seng Insurance Company Limited, which is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank Limited (“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.
  2. 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.
  3. 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.
  4. You understand that the Plan is underwritten by Hang Seng Insurance Company   Limited. You have to pay premium to Hang Seng Insurance Company Limited for your application for the Plan. 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 the 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.
  5. Please refer to the Product Brochure 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.