Pacific is meant to be held for any long-lasting period. Partial or full surrender on the coverage, Coverage Suspension (as defined beneath the “Glossary” area on site five in the Product or service Brochure of Pacific) or reduction in premium may well bring about a significant loss of principal and/or bonuses being awarded (if relevant).
Bad efficiency on the fundamental cash may possibly even further Amplify the financial investment losses, while all charges are still deductible. With no premium contribution throughout Plan Suspension, the worth within your plan may very well be noticeably reduced due to fees and charges, which are still deductible during Policy Suspension, plus your entitlement into the bonuses and the level of Dying benefit may also be affected.
For more info about any of our products and solutions, you should talk to your insurance broker, intermediary or Worker Advantage Advisor.
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The expense of insurance could enhance appreciably throughout the expression of your respective plan as a consequence of things which include age and investment decision losses, and so forth. This might end in sizeable or perhaps complete reduction of the rates paid out.
* These items are usually not obtainable for new application. They're shut For brand new subscription and cannot go on to get marketed to the general public in Hong Kong. Current policies are unaffected.
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The premiums compensated by you toward the Ideas will come to be Section of the assets of Zurich. You would not have any legal rights or ownership around any of Individuals assets. Your recourse is from Zurich only.
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Without any high quality contribution all through Policy Suspension or top quality holiday getaway, the worth of your respective plan might be drastically minimized resulting from costs and prices, which are nevertheless deductible for the duration of Policy Suspension or premium holiday, and your entitlement towards the bonuses and the quantity of Loss of life reward may be impacted.
Remember to Observe the subsequent concerning the Dying benefit and the cost of insurance in the Plans (if applicable): Portion of the costs and fees you fork out that may be deducted from the worth of your respective policy will probably be utilized to deal with the expense of insurance with the everyday living protection and any optional Gains you may choose (if applicable).
If the worth of one's plan results in being inadequate to address all the continued fees and charges, including the cost of insurance, your policy might be terminated early and you can shed all your rates paid out and any Gains.
Make sure you do not rely upon the data During this Internet site on your own. You're recommended to browse the giving files on the Strategies as well as the supplying documents of your underlying money for further more particulars including the hazard elements.
Bad performance of your fundamental money might even more Enlarge the financial commitment losses, although all costs remain deductible. Without having top quality contribution through plan suspension or high quality vacation, the value within your plan can be appreciably lessened resulting from costs and costs, which can be nevertheless deductible all through coverage suspension or high quality vacation, along with your entitlement towards the bonuses (if relevant) and the level of Loss of life a fantastic read reward may be influenced.
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The financial investment decisions offered under the Strategies may have very diverse options and chance profiles; some may be of substantial chance. For information in the expenditure choices, remember to seek advice from the pertinent financial commitment selection brochure with the Plans along with the featuring documents on the underlying money.
Futura III is intended to be held to get a long-term period of time. Partial or entire surrender of your policy, Coverage Suspension (as described beneath the “Glossary” portion on page 5 on the Products Brochure of Futura III) or premium vacation may possibly bring about a significant loss of principal and/or bonuses to get awarded (if relevant). Weak overall performance in the fundamental cash may perhaps even further Amplify the investment losses, although all costs remain deductible.
Your return on expense selections connected to the Strategies are calculated or based on Zurich with reference into the performance of the underlying money and is also matter to the costs with the plan and as a consequence may very well be lower than the return from the corresponding SFC-authorised fund.
You need to consult your financial professional for details, including how the charges might boost and could effect the value of one's coverage.
You shouldn't acquire Pacific or Futura III Except if you comprehend it and it's been explained to you the way it can be suited to you. The ultimate selection is yours.
The price of insurance will lessen the amount Which might be used toward investment inside the fundamental funds corresponding to the financial investment selections selected.