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    IncomePower Life Insurance Plan

    Plan overview

    IncomePower Life Insurance Plan ("IncomePower" or "the Plan") provides sufficient withdrawal liquidity and savings potential to keep your wealth growing so as to protect the life you desire, and to pass on your financial blessings to your future generations, leading you and your beloved ones to the ultimate joy and delight.

    Visit one of our branches for plan details.

    Visit our branches

    Key features

    From the 25th monthiversary, you can choose to receive non-guaranteed Monthly Income in cash or retain it in the Policy for accumulating interest.

    From the 1st Policy Anniversary, in the event of specified events such as policy surrender, IncomePower may pay a lump-sum non-guaranteed Special Dividend (if any), providing extra potential returns.

    • Medical Advance Benefit
    • Mental Incapacity Benefit Plus
    • Accidental Death Benefit

    A change of Life Insured is allowed up to 3 times to pass on Monthly Income and wealth to the next generation.

    As long as you are eligible to apply for the Plan, regardless of your underwriting history, occupation, health and financial status, you will enjoy guaranteed acceptance without any requirement for medical examination and acceptance.

    Make a claim

    Claim procedures

    Find details on how to submit your claim and more.

    View details

    Forms and documents centre

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

    Download form

    Useful Information

    Need more help?

    Policy enquiry

    (852) 2596 6262

    Make an eAppointment

    Book now

    Footnote

    Other point(s) to note

    1. IncomePower 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. 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.
    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.