Lifelong Comprehensive Coverage Life insured.
The Plan provides you and your family with reliable and comprehensive life protection. The flexibility is on your side to fix the Sum Insured based on your personal needs.
Various Choices for the Payment Term
A variety of choices is available to suit your needs for more financial flexibility. ^Insurance Age means, at any date, the age of the Life Insured or Policyholder (if applicable) on the most recent birthday prior to the Policy Date plus the number of completed Policy Years. If the Life Insured's or Policyholder's (if applicable) birthday is on the Policy Date, it will be calculated based on the age on such Policy Date.
Policy Dividends at Your Disposal
During the policy term, you will receive projected policy dividends on each Policy Anniversary. It is your choice to withdraw the accumulated policy dividends to pay off the premium for the remaining payment term, or in cash, or to take up Paid-up Additions for enhancing protection.
Where to buy life insurance
Fixed Premium for Easy Planning
From the start to the end of the payment term, the premiums will remain unchanged, allowing you to have better control of your financial planning.
Optional supplemental benefits to suit your needs:
Accidental Death and Dismemberment Benefit
Major Illness PLUS Benefit
Renewable Term Life Benefit
Remark: Please refer to the product brochure for detailed terms and conditions and exclusions.
The Treasure Life II Insurance Plan is underwritten by Hang Seng Insurance Company Limited, which is authorised and regulated by the Insurance Authority of the HKSAR. 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.
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.
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.
What's life insurance
You understand that this Plan is underwritten by Hang Seng Insurance Company Limited. You have to pay premium to Hang Seng Insurance Company Limited for your application for this 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 this 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.