• Another Option
 
Whole Life (3-Year Coupon) Protection Plan
Headline: Lifelong Guaranteed Cash Coupons with Protection up to Age 100
 

You need tailored financial solutions to fulfill different targets in life. Fubon Bank is pleased to introduce Whole Life (3-Year Coupon) Protection Plan (the “Plan”), which offers you 3 savings vantages.

- Lifelong Guaranteed Cash Coupons1
- Steady Wealth Appreciation with Guaranteed Cash Value1
- Dividends2 to Grow your Savings Faster
 

Lifelong Guaranteed Cash Coupons1

You will receive guaranteed cash coupons1 equivalent to 5% of the sum assured every 3 policy years until the insured person's age of 100.

 

Steady Wealth Appreciation with Guaranteed Cash Value1

The Plan also offers guaranteed cash value1. You can enjoy stable and guaranteed returns to achieve your goals with confidence despite the low interest rate environment.

 
Example3 (Assume the Sum Assured is HK$1,000,000)
Premium Payment Term: 6 Years
Insured Person: Male, Non-smoker
Premium Mode: Annual Payment
 
The total guaranteed amount (including guaranteed cash value and guaranteed cash coupons)1 at insured person's age of 75:
Insured Person’s Age
5
30
40
Annual Premium
HK$105,040
HK$117,720
HK$126,430
Total Premiums Paid
HK$630,240
HK$706,320
HK$758,580
Total Guaranteed Amount1
HK$1,885,300
HK$1,470,000
HK$1,301,900
Total Guaranteed Amount1/ Total Premiums Paid
299%
208%
172%
 
Dividends2 to Grow your Savings Faster
You can benefit from annual dividends2 to grow your wealth in the policy term. What's more, you will be provided with a special dividend2 upon surrender or maturity of the policy or death of the insured person if the policy has been in force for over 10 years.

In the above example, the projected cash value4 (including accumulated dividends2 (if any), the total guaranteed amount1 and accumulated interest (if any)) at insured person's age of 75:
Insured Person’s Age
5
30
40
Annual Premium
HK$105,040
HK$117,720
HK$126,430
Total Premiums Paid
HK$630,240
HK$706,320
HK$758,580
Total Projected Cash Value4
HK$6,371,834
HK$2,848,463
HK$2,082,076
Total Guaranteed Amount1/ Total Premiums Paid
1,011%
403%
274%
 
Comprehensive Protection for Extra Peace of Mind
The Plan provides life and accidental death benefits so that your loved ones are well protected in an unfortunate event of death.
 
Lifelong Life Benefit5

The Plan offers life protection up to age 100. In the unfortunate event of death of the insured person within the policy term, the designated beneficiary(ies) will receive a Life Benefit5 equivalent to 100% of the sum assured plus accumulated guaranteed cash coupons1 , accumulated annual dividends2 (if any), the special dividend2 (if any) and accumulated interest (if any).
 
Accidental Death Benefit

In case of accidental death of the insured person before age 60, the designated beneficiary(ies) will receive an extra lump sum benefit equal to 50% of the sum assured.
 
Waiver of Premium6 and Optional Benefits
The Plan provides the waiver of premium benefit6. The benefit ensures the protection continues when the insured person unfortunately suffers from total and permanent disability resulting from accident or sickness before age 65, by waiving the basic premium until the policy is paid up or total recovery of the insured person, whichever happens earlier. The Plan also offers various optional benefits for your individual protection needs, such as critical illness benefit, hospital cash benefit and 5-year level term life benefit.
 
Hassle-free Application with Simplified Underwriting

What’s more, if you choose a 6-year premium payment term, you may enjoy hassle-free simplified underwriting7 with no medical examination required.
 
Plan Summary
Issue Age
15 days - 75 years old (age last birthday)
Policy Currency
HK Dollars
Minimum Sum Assured
HK$100,000
Premium Payment Term
6 years or 12 years
Premium Payment Options
- Annual Payment;
- Monthly Payment; or
- Single Payment
(applicable to 6-year premium payment term only)
Policy Term
Until the insured person’s age of 100
 
Company Background of MetLife Limited

MetLife, Inc. is a leading global provider of insurance and financial services with more than 140 years of experience and operations throughout the United States, Latin America, Japan, Asia Pacific, Europe and Middle East.

Through its subsidiaries and affiliates, MetLife, Inc. reaches 90 million customers in over 60 countries, is the largest life insurer in the United States* and Mexico#, and has relationships with more than 90 of the top 100 FORTUNE 500® companies^ and over 70% of all Fortune 500® companies.

The MetLife Companies+ offers life insurance, annuities, automobile and home insurance, retail banking and other financial services to individuals, as well as group insurance and retirement and savings products and services to corporations and other institutions.

Metropolitan Life Insurance Company of Hong Kong Limited and MetLife Limited are wholly-owned subsidiaries of MetLife, Inc in Hong Kong. We offer individual life investment-linked insurance plan, accident and health insurance products in Hong Kong through bancassurance, brokerage networks, strategic alliance and direct marketing channels.

 
* LIMRA, June 2010 (Grp+Ind - based on policies in force).
# Estadisticas AMIS, June 2010.
^ FORTUNE 500®, May 2010. FORTUNE 500® is a registered trademark of FORTUNE magazine, a division of Time, Inc.
+ The MetLife Companies refers to MetLife, Inc., a U.S. public company, and its subsidiaries and affiliates.
 
Act Now   
To enjoy wealth growth and comprehensive protection!
To apply or learn more about the Plan, simply call our Fubon Insurance Hotline at 2566 8181 (Press 2 > 3 > 0) or visit any Fubon Bank branch during office hoursΔ

Δ Monday to Friday: 9am - 7pm; Saturday: 9am - 1pm (except Public Holidays)
 

 
Remarks:
1. The guarantee is offered by MetLife Limited.
2. Annual dividends and special dividends paid are not guaranteed and may change during the policy term. Annual dividends will be declared annually and you may choose to withdraw them in cash or leave them in the policy to earn interest. The payment of dividends and their respective amounts under participating policies issued by MetLife Limited is subject to a number of factors, including (a) the performance of the investment of the relevant assets, (b) operating expenses, and (c) claims experience in respect of such policies. Any dividends declared in the future may be lower or higher than those values illustrated on the illustration document. Past performance is not indicative of future performance.
3. All figures are for reference only and may differ slightly from other illustration documents due to rounding differences.
4. Total projected cash value (including the total guaranteed amount, accumulated dividends (if any) and accumulated interest (if any)) is based on the assumptions that: (a) all premiums are paid in full when due; (b) the current scale of dividends and the annual rate of interest do not change; (c) no dividend or guaranteed cash coupon is withdrawn from the policy; and (d) no policy loan is made. Dividends and guaranteed cash coupons will be accumulated with interest at 3.55% per annum. The current scale of dividends and annual rate of interest are not guaranteed and may change from time to time.
5. Life Benefit includes accumulated guaranteed cash coupons, accumulated dividends (if any) and accumulated interest (if any), and deducts any indebtedness (if any) of the policy. If you choose to prepay premiums by single payment, in the event of death of the insured person, MetLife Limited shall pay a lump sum equal to the sum of (a) Life Benefit, and (b) balance of single payment (if any) minus indebtedness (if any). Life Benefit is limited to a refund of total premiums paid minus indebtedness (if any) for any death due to suicide within the first 13 months from the Commencement Date of Insurance.
6. The waiver of premium benefit is only applicable to the insured person aged between 18 and 53 on the policy effective date. The premium payment during the 6 months from the time when the insured person is confirmed as totally and permanently disabled is required and will not be reimbursed.
7. The simplified underwriting option is only applicable to Whole Life (3-Year Coupon) Protection Plan (6-Year Paid Up) and the insured person aged 5 or above on the policy effective date, subject to a total maximum Sum Assured per insured person of HK$2,340,000. The simplified underwriting option is not available if rider benefit is enrolled with the policy. The issuance of the policy is subject to the underwriting decision of MetLife Limited.
 
Important Notes:
- The above information is for reference purpose only. Please refer to the Policy Provisions of Whole Life (3-Year Coupon) Protection Plan for the terms and conditions.
- The savings component of the Plan is subject to risk and possible loss. Should you terminate the policy before maturity, you will not be entitled to the principal guarantee and you may receive an amount less than your total premiums paid.;
- The Plan is an insurance plan with a savings element. Part of the premium pays for the insurance and related costs. If you are not satisfied with your policy, you have a right to cancel it within the Cooling-off Period and obtain a refund of any premiums paid provided that you have not made any claim under this policy. A written notice signed by you together with the policy must be received by MetLife Limited at its Hong Kong office within the Cooling-off Period (that is, 21 days after the delivery of the policy or the issue of a Notice informing you/your representative about the availability of the policy and the expiry date of the Cooling-off Period, whichever is earlier). After the expiration of the Cooling-off Period, if you cancel the policy before the end of the term of policy as set out in the policy document, the projected total cash value payable (if any) may be less than the total premiums you have paid.
- MetLife Limited is the insurance underwriter of the Plan and is solely responsible for all content, approval, coverage and benefit payment. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. in Hong Kong and operates under the "MetLife" brand.
- The registered office of MetLife Limited is Level 20, Cityplaza 3, 14 Taikoo Wan Road, Taikoo Shing, Hong Kong.
- The Plan is distributed by Fubon Bank (Hong Kong) Limited.
- In case of any discrepancy between the English and Chinese versions of this leaflet, the English version shall prevail.