CouponPower Guaranteed Life Insurance Plan

Plan overview

CouponPower Guaranteed Life Insurance Plan ("CouponPower" or "the Plan") provides a stable guaranteed income stream along with life protection plus extra coverage for 2 types of common cancer for 10 years to help maintain you and your family's desired quality of life while striving towards your medium-term financial goals, so you can enjoy life and realise your dreams with a peace of mind.

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Key features

This plan offers short guaranteed breakeven year at the end of 3rd Policy Year when the Guaranteed Cash Value plus Monthly Guaranteed Income paid exceeded the Total Premiums Paid.

Starting from the 2nd Monthiversary of the policy term, you will start to receive a monthly payout in cash as a steady income stream for your ongoing expenses and financial needs.

Receive a Guaranteed Cash Value equal to 100% of Total Premiums Paid at policy maturity regardless of payment of Monthly Guaranteed Income.

Enjoy a guaranteed interest rate of 4.5% p.a. on prepaid premium for Aggregate Premium Option.

  • Designated Cancer Benefit
  • Accidental Death Benefit
As long as you're eligible to apply for CouponPower, regardless of your underwriting history, occupation, health and financial status, you'll enjoy guaranteed acceptance without any requirement for medical examination and acceptance.

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Claim procedures

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Forms and documents centre

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

Useful Information

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Policy enquiry

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Other point(s) to note

  1. CouponPower Guaranteed Life Insurance Plan (“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.