20%
Abundant Life Special Rewards
Now you have a chance to get the “Abundant Life Special
Rewards” upon successful application(s) of the “Regent”
Insurance Plan or other designated insurance plan(s).
Accumulate your wealth, enjoy an abundant life!
30%
Promotion Period
Application Submission Date: From 1 October to 31 December 2016
Last Approval Date: 31 January 2017
Up to 30% Premium Refund
You can enjoy up to 30% Premium Refund upon successful application(s) of the "Regent" Insurance Plan. This
first time superior premium refund offer of “Regent” Insurance Plan enables you to start your wealth accumulation
plan with ease. Please don’t miss this precious opportunity!
Designated Plan
“Regent” Insurance Plan
Sum Insured
First Year Premium Refund Rate
4-Year Premium
12-Year Premium
Payment Period
Payment Period
≥US$500,000
30%
15%
US$200,000 - US$499,999
25%
15%
US$100,000 - US$199,999
20%
12.5%
US$50,000 - US$99,999
20%
12.5%
US$20,000 - US$49,999
15%
7.5%
<US$20,000
15%
7.5%
Moreover, you could enjoy extra 20% premium refund on selective rider^ attached to the “Regent” Insurance
Plan or other selective basic plan^ upon successful application!
Designated Plan
“Selective Rider”^
(attached to “Selective Basic Plan”^)
^Please refer to list of “Selective Rider” and “Selective Basic Plan” overleaf
First Year Premium Refund Rate
20%
First Year Prepayment Premium Bonus
By applying for the prepayment options of the “Regent” Insurance Plan or “Fortune 100” Insurance Series,
you can enjoy special interest rate of 4% per annum on the extra premium prepayment after deduction of the
first year premium.
Don’t miss the chance to enjoy the offer! Please contact your Consultant or call our Customer Service Hotline at 2866 8898
for any enquiry or to obtain product information.
^ Selective
Basic Plan
“Fortune 100” Insurance Protection Plan
“Fortune 100” Insurance Premier Plan
“Regent” Insurance Plan
“Regal” Premier Saver
“HealthCare 100” Critical Illness Protector
^ Selective
+
Rider
Critical Illness Rider
“TargetCare” Cancer Rider
All-in-One Critical Illness Protector
CI 100 Protector
10-Year Renewable CI Protector
Extra Care Protector @60
Extra Care Protector @80
Multi-Care Premier Protector
Term Life Rider
Term Life 100 Insurance Plan
Century Life Plan
5-Year Term Life Plan
20-Year Term Life Plan
Disability Protection Rider
Waiver of Premium
Payor Benefit – Death Rider
Payor Benefit – Death or Disability Rider
Up to 30% Premium Refund Terms and Conditions:
1. To enjoy the reward, customer must submit the application(s) of the Designated Plan(s) from 1 October to 31 December 2016 and such application(s) must be approved by
FTLife Insurance Company Limited (“FTLife”) on or before 31 January 2017.
2. The premium refund is only applicable to the basic premium of the Designated Plan(s). Loading premium or premium of other riders will not be entitled to any premium refund.
3. Premium refund is offered per unit of each approved policy. If customer has enrolled in more than one policy, all of them could enjoy premium refund.
4. First year premium refund amount will be equal to the first year basic premium of the Designated Plan(s) in the first 12 months after the policy issue date (with maximum of
12 months of basic premium) times the designated premium refund rate.
5. For the first year premium refund amount of “Regent” Insurance Plan, please refer to the proposal. Sum Insured of Regent serves only for the purpose of calculating the
premium, Guaranteed Cash Value, Annual Dividend and Terminal Dividend. It is not equivalent to the amount of Death Benefit payable in case of the death of the Insured.
6. First year premium refund amount will be credited to your premium suspense account after the 13th month of the policy issue date, the refund amount will be used as premium
payment in the future.
7. The premium refund amount cannot be exchanged or converted into cash.
8. All relevant basic plans or riders must be in force at the time of the release of premium refund in order to enjoy the reward.
9. FTLife reserves the right to claw back the premium refund amount if the policy is terminated within 2 years from the policy commencement date.
10. FTLife reserves the right to make all final decisions on the approval of the application(s) for the Designated Plan(s). In case of any disputes in relation to this offer, our decision
shall be final and binding.
11. FTLife reserves the right to terminate this offer or change the terms and conditions at any time without giving prior notice.
12. No person other than the customer and FTLife will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the
provisions of these terms and conditions.
First Year Prepayment Premium Bonus Terms and Conditions:
1. To enjoy the reward, customer must submit the application(s) of the “Regent” Insurance Plan or “Fortune 100” Insurance Series from 1 October to 31 December 2016 and
such application(s) must be approved on or before 31 January 2017.
2. The reward is applicable to any “prepayment options” of the “Regent” Insurance Plan or “Fortune 100” Insurance Series. The special interest rate of 4% per annum will be
applied to your payment amount after deduction of the first year premium.
3. The special interest rate of the First Year Prepayment Premium Bonus has already been included into the current interest rate of 2% per annum that we currently offer.
4. From the second policy year onwards, the amount in premium deposit account will be accumulated with the interest rate offered at that time. The current interest rate being
offered is 2% per annum, however, this interest rate is not guaranteed. FTLife reserves the right to change this interest rate.
5. First Year Prepayment Premium Bonus will be credited into your premium suspense account within 1 month after the first policy anniversary and will be used for future
premium payment. Withdrawal or refund of First Year Prepayment Premium Bonus is not allowed.
6. FTLife reserves the right to claw back the full amount of First Year Prepayment Premium Bonus if the policy is terminated within 2 years from the policy commencement date.
7. FTLife reserves the right to make all final decisions regarding the approval of the application(s) for the “Regent” Insurance Plan or “Fortune 100” Insurance Series. In case of
any disputes in relation to this offer, our decision shall be final and binding.
8. FTLife reserves the right to terminate this offer or change the terms and conditions at any time without giving prior notice.
9. No person other than the customer and FTLife will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the
provisions of these terms and conditions.
富通保險有限公司
於百慕達註冊成立之有限公司
FTLife Insurance Company Limited
A company incorporated in Bermuda with limited liabilities
AMCI080/1610