LifeDeluxe for Future

Notes:
^*The Cash Value will be determined by the premium payment term, the selected plan version, policy duration, policy currency, issue age, and other factors. No Cash Benefit for Diabetes or Benefit for Diabetic Complications paid will be deducted from the Cash Value. Net of policy debt.

Notes:
^*The interest rate for the accumulation of Annual Dividends is not guaranteed and varies according to the policy currency. The rate will be determined by the Company from time to time.
^{^}After the policy has been in force for 15 years, and within 30 days after each policy anniversary, you may submit a written request to exercise the Terminal Bonus Lock-in Option. The Lock-in Percentage for each conversion cannot be less than 5% and the aggregate Lock-in Percentage cannot exceed 60%. Conversion of the Terminal Bonus cannot be reversed once the lock-in option is exercised, and is subject to prevailing administration rules.
^#Reducing the Sum Insured of the policy will reduce the amount of the Guaranteed Cash Value, Annual Dividend, and Terminal Bonus on a pro-rata basis.

Notes:
^*Source: Smart Patient website managed by Hong Kong Hospital Authority (May 2022).
^{^}Applicable to a standard rate policy (i.e., a policy without any loadings or additional exclusions). The Insured shall not suffer from specified conditions (e.g., diabetes, cancer, etc.) when taking out the policy.
^#Based on the similar types of plan in the Hong Kong and Macau market, as of the publishing date of this page in July 2022.