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    FutureEnrich Life Insurance Plan

    Plan overview

    FutureEnrich Life Insurance Plan ("the Plan”) is a life insurance plan and is not a bank deposit. It is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance").

    Designed to accommodate payment flexibility with multiple premium payment options, the Plan helps you accumulate wealth by paying out a Guaranteed Monthly Income that increases 3% annually as well as a lump-sum non-guaranteed Terminal Dividend, enabling you to plan for your future.

    Key features

    The Guaranteed Monthly Income payable under the Plan will increase by 3% p.a., starting from the 2nd year after the commencement of the income period based on the initial Guaranteed Monthly Income helps to counteract the effects of inflation (calculations based on simple interest).

    You can choose either a premium payment period of 2 years, 3 years or 5 years, and enjoy stable returns through a Guaranteed Monthly Income distributed over 8 years, 9 years or 10 years, or accumulate that in your policy account to earn interest until the end of the Income Period of the policy.

    Provided that the Life Insured fulfils the requirements of the Plan, acceptance is guaranteed and a uni-rate premium applies, irrespective of underwriting record, occupation, health condition and financial status.

    The policyholder may plan for the payment of the Death Benefit in advance. If the Life Insured passes away during the Income Period, the beneficiary(ies) may opt to continue receiving the remaining Guaranteed Monthly Income as the Death Benefit, or receive the Death Benefit in a lump-sum payment. The plan can be tailored to complement existing estate plans.

    Free supplemental benefits, including: Accidental Death Benefit and Unemployment Benefit

    Optional supplemental benefits, including: Waiver of Premium Benefit, Payor’s Benefit, and Cancer Benefit

    Remark(s): 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.

    Make a claim

    Claim procedures

    Find details on how to submit your claim and more.
     

    View details

    Download form

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

    Download form

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    (852) 2596 6262

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    Footnote

    Other point(s) to note

    1. The FutureEnrich 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 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. For more details of the policy terms, please contact Hang Seng Bank branch.
    4. You understand that the Plan is underwritten by Hang Seng Insurance Company Limited. You are required to pay premium to Hang Seng Insurance Company Limited for your application for the Plan. The premium includes various fees and charges such as the insurance cost (e.g. cost of the death benefit, which is determined and formulated according to the mortality rate, which in turn is affected by the sex and age of the Life Insured) and policy administration charges, etc. You also understand that Hang Seng Insurance Company Limited will pay commission 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 rather than a focus 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.

    Remark(s)