Fortune Bright Saver

Fortune Bright Saver

Every milestone you reach enriches life’s journey for you and your loved ones, whether you are planning to get married, start your own business or live a dream retirement.

Offering regular annual payouts in the form of a guaranteed Cash Coupon1 and non-guaranteed Annual Dividend1,2 up to age 110 of the Initial Insured Person, Fortune Bright Saver (the “Plan”) helps you accumulate wealth with stable momentum. You will have the funds available to reach your milestones the way you want. Start building your ideal future today.

 

Plan Highlights

  • Secure a steady stream of annual income
  • Build up potential returns on your savings
  • Pass your legacy of love to future generations of your family
  • Plan ahead and protect your family through Policy continuation
  • Safeguard your loved ones against misfortune
  • Select the settlement option that suits you and your loved ones

 

Secure a steady stream of annual income
Starting from the 1st Policy Anniversary, Fortune Bright Saver will pay you a guaranteed Cash Coupon1 every year up to age 110 of the Initial Insured Person while the Policy is in effect. In addition, starting from the 6th Policy Anniversary, you can receive an extra non-guaranteed Annual Dividend1,2. By providing the ample rewards of an annual income in a steady stream, Fortune Bright Saver gives you confidence to plan ahead for an abundant life.


Policy Anniversary Annual Income
Guaranteed Cash Coupon
(as a % of the Nominated Amount)
+ Non-guaranteed Annual Dividend
(as a % of the Nominated Amount)
1st – 5th 3% -
6th – 10th 2% 1%*
11th and thereafter 2% 1.5%*

*These figures are based on the current assumed investment returns of Fubon Life. They are not guaranteed and may be reviewed by Fubon Life from time to time. For details, please refer to the Benefit Illustration document.

You can choose to receive the guaranteed Cash Coupon and / or non-guaranteed Annual Dividend in cash or keep them with the Policy to accumulate with interest3. The choice is always yours.

 

Build up potential returns on your savings
To grow your wealth further, Fortune Bright Saver offers a Guaranteed Cash Value as soon as the Policy is in effect. Once the Policy has been in force for 10 years, you can also benefit from a non-guaranteed Terminal Dividend4. It is a one-off payment that will be payable upon the death of the Insured Person, Policy surrender or Policy maturity.

 

Pass your legacy of love to future generations of your family
Your love for your family knows no limits. That’s why, from the 1st Policy Anniversary, you can exercise the change of Insured Person option5 as many times as you wish during the lifetime of the Insured Person, establishing a long-lasting legacy for your family, both today and in generations to come.

Changing the Insured Person will not affect the Policy value nor the Policy Term under your Policy.

 

Plan ahead and protect your family through Policy continuation
During the lifetime of the Insured Person, you can designate a Successor Owner6, who can apply to become the new Policyowner in the unfortunate event that the Policyowner passes away. This would enable the new Policyowner to have access to the rights and benefits under the Policy, sustaining the passing on of your legacy.

Besides Successor Owner, you can designate a Contingent Insured Person7, who can apply to become the new Insured Person in the unfortunate event that the Insured Person passes away after the 1st Policy Anniversary, eliminating the possibility of Policy termination even if life takes an unexpected turn.

 

Safeguard your loved ones against misfortune
To help carry your loved ones through difficult times, Fortune Bright Saver offers life protection up to age 110 of the Initial Insured Person. In the unfortunate event of the death of the Insured Person and no Contingent Insured Person7 is designated or becomes effective, the Beneficiary will receive a Death Benefit equal to:

The higher of:
(i) Guaranteed Cash Value; or
(ii) 101% of the difference between the total premiums paid and due and the Cash Coupon1 paid to the Policy
+ Accumulated Cash Coupons1 with interest3 (if any)
+ Accumulated Annual Dividends1,2 with interest3 (if any)
+ Terminal Dividend4 (if any)
- Indebtedness8 (if any)


In case there is any Premium Prepayment Balance9 as at the death of the Insured Person, such balance will be paid together with the Death Benefit.

 

Select the settlement option that suits you and your loved ones
During the lifetime of the Insured Person, you have the option to choose how the settlement amount at the death of the Insured Person10 will be paid to the Beneficiary11. Other than a lump sum, such settlement amount can be paid in monthly, semi-annual or annual instalments10 over a period of 5, 10, 20 or 30 years, or a combination of a lump sum of not less than 5% of the total payable amount plus regular payments10. Interest will accrue on the balance of such settlement amount which has yet to be paid at an interest rate to be determined by Fubon Life from time to time. That way, you can spread out the settlement payment in a planned way, providing long-term financial support to your loved ones.

The regular payment option is also applicable to the settlement amount at Policy surrender10 (provided your Policy has been in force for 5 years prior to full surrender) or Policy maturity10.

 

Plan Summary

Plan Summary

Issue Age
15 days to age 75 (age last birthday)
Premium Payment Term
5 years
Policy Term
Up to age 110 of the Initial Insured Person
Policy Currency
HKD / USD
Premium Mode
Annual / Annual with Prepayment9,12
Minimum Nominated Amount
HKD150,000 / USD18,750
Premium Prepayment Interest
  • Guaranteed 3.5% p.a. on Premium Prepayment Balance9
  • Will be used to settle future premiums
Guaranteed Cash Coupon1
Policy Anniversary Guaranteed Cash Coupon
(as a % of the Nominated Amount)
1st - 5th 3%
6th and thereafter 2%
Non-guaranteed Annual Dividend1,2
Policy Anniversary Non-guaranteed Annual Dividend
(as a % of the Nominated Amount)
6th - 10th 1%*
11th and thereafter 1.5%*
*These figures are based on the current assumed investment returns of Fubon Life. They are not guaranteed and may be reviewed by Fubon Life from time to time. For details, please refer to the Benefit Illustration document.
Guaranteed Cash Value
  • Available as soon as the Policy is in effect
  • Payable upon Policy surrender or Policy maturity
Non-guaranteed Terminal Dividend4
  • Available from the 10th Policy Anniversary
  • Payable upon the death of the Insured Person, Policy surrender or Policy maturity
Surrender Benefit
  • Guaranteed Cash Value
    + Accumulated Cash Coupons1 with interest3 (if any)
    + Accumulated Annual Dividends1,2 with interest3 (if any)
    + Terminal Dividend4 (if any)
    - Indebtedness8 (if any)
  • In case there is any Premium Prepayment Balance9 as at the Policy surrender, such balance less Surrender Charge12 will also be paid
  • 3 Surrender Benefit Settlement Options are available to choose from:
    (i)  A lump sum payment;
    (ii)  Regular payments10: monthly, semi-annually or annually for 5, 10, 20 or 30 years (provided that the Policy has been in force for 5 years prior to full surrender); or
    (iii)  A lump sum payment of not less than 5% of the total payable amount and the remaining balance to be paid in regular payments10 (provided that the Policy has been in force for 5 years prior to full surrender)
Maturity Benefit
  • Guaranteed Cash Value
    + Accumulated Cash Coupons1 with interest3 (if any)
    + Accumulated Annual Dividends1,2 with interest3 (if any)
    + Terminal Dividend4 (if any)
    - Indebtedness8 (if any)
  • The Surrender Benefit Settlement Options are also applicable to the settlement amount at Policy maturity10
Death Benefit
  • The higher of:
    (i)  Guaranteed Cash Value; or
    (ii)  101% of the difference between the total premiums paid and due and the Cash Coupon1 paid to the Policy
    + Accumulated Cash Coupons1 with interest3 (if any)
    + Accumulated Annual Dividends1,2 with interest3 (if any)
    + Terminal Dividend4 (if any)
    - Indebtedness8 (if any)
  • In case there is any Premium Prepayment Balance9 as at the death of the Insured Person, such balance will be paid together with the Death Benefit
  • 3 Death Benefit Settlement Options11 are available to choose from:
    (i)  A lump sum payment;
    (ii)  Regular payments10: monthly, semi-annually or annually for 5, 10, 20 or 30 years; or
    (iii)  A lump sum payment of not less than 5% of the total payable amount and the remaining balance to be paid in regular payments10
Application Procedure No health declaration required13

 

Remarks:

1  Any Indebtedness will be deducted from the guaranteed Cash Coupon and / or non-guaranteed Annual Dividend when payable.
2  Annual Dividend is non-guaranteed. However, no change will be made on the value of the distributed Annual Dividend and its interest (if any). Past declaration of Annual Dividend is not an indicator for future declaration. Future declaration of Annual Dividend can be lower or higher than the past declaration and it is determined based on the Dividend Philosophy. Please refer to the Dividend Philosophy for the relevant risk factors and details.
3  The accumulation interest rate is not guaranteed and it can be determined by Fubon Life Insurance (Hong Kong) Company Limited (“Fubon Life” ) from time to time.
4  Terminal Dividend is non-guaranteed and shall not be vested in the Policy until the time of payment. Past declaration of Terminal Dividend is not an indicator for future declaration. Future declaration of Terminal Dividend can be lower or higher than the past declaration and it is determined based on the Dividend Philosophy. Please refer to the Dividend Philosophy for the relevant risk factors and details.
5  The Policyowner may apply for change of the Insured Person from the 1st Policy Anniversary and during the lifetime of the Insured Person. The application shall be effective upon Fubon Life’s approval pursuant to applicable laws and regulations and Fubon Life’s prevailing rules and underwriting requirements in effect from time to time. Please refer to the Policy Provisions for details.
6  The designation of a Successor Owner shall be effective upon Fubon Life’s approval. The Successor Owner can apply to become the new Policyowner in the event of death of the Policyowner, and the application shall be effective upon Fubon Life’s approval pursuant to applicable laws and regulations and Fubon Life’s prevailing rules in effect from time to time. Please refer to the Policy Provisions for details.
7  The designation of a Contingent Insured Person shall be effective upon Fubon Life’s approval. The Contingent Insured Person can apply to become the new Insured Person in the event of death of the Insured Person after the 1st Policy Anniversary, and the application shall be effective upon Fubon Life’s approval pursuant to applicable laws and regulations and Fubon Life’s prevailing rules and underwriting requirements in effect from time to time. Please refer to the Policy Provisions for details.
8  Indebtedness means all outstanding loans owed to Fubon Life including Automatic Policy Loan, Policy Loan, accrued interest on these loans, unpaid premium and any other amounts owed to Fubon Life.
9  An amount equivalent to an annual premium amount shall be deducted from the Premium Prepayment Balance annually on each and every premium due date. Prepayment cannot be refunded or withdrawn except in the event of Death Benefit payment, Policy surrender or reduction in Nominated Amount.
10  For the settlement amount to be paid at regular intervals upon (i) the death of the Insured Person; (ii) Policy surrender; or (iii) Policy maturity, the amount payable must be equal to or more than HKD400,000 / USD50,000. Interest will accrue on the portion of such settlement amount which has yet to be paid at an interest rate to be determined by Fubon Life from time to time at its sole discretion. Please refer to the Policy Provisions for details.
11  Upon the Policyowner’s request during the lifetime of the Insured Person, the Beneficiaries are allowed to apply for change of the Death Benefit Settlement Option after the death of the Insured Person. Please refer to the Policy Provisions for details.
12  Should the Policyowner surrender the Policy or reduce the Nominated Amount of the Policy during the Premium Payment Term, a Surrender Charge of 5% of the Premium Prepayment Balance will be charged by Fubon Life.
13  Fubon Life has set limit to the total premiums of insurance policies in respect of the same type of insurance products (as determined and revised by Fubon Life from time to time) for each Insured Person. No health declaration of the Insured Person is required only if the purchase of the Policy does not exceed such limit. Fubon Life reserves the right to accept or reject any applications for the Plan based on the information provided by the Insured Person during application.

 

You can visit any Fubon Bank branch or simply call Fubon Bank Integrated Customer Service Hotline 2566 8181 (Press 3 after language selection) during office hours* for more details.

 

*Office hour: Monday to Friday: 9am to 7pm; Saturday: 9am to 1pm (except public holidays).

 

Warning Statement:
Fortune Bright Saver is a life insurance plan, with guaranteed Cash Coupon, non-guaranteed dividend and non-guaranteed accumulated interest. Part of the premiums pays for the insurance and related costs. The Policy is underwritten by Fubon Life Insurance (Hong Kong) Company Limited and is subject to Fubon Life’s credit risk. In the worst scenario, you may lose all premiums paid and benefits provided under the Policy. The savings part of the Plan is also subject to risk and loss. You must be aware of the long-term nature of life insurance plan. If you surrender your Policy before maturity, the amount you get back may be less than the amount of total premiums you have paid and thus resulting in a pecuniary loss. The insurance plan includes guaranteed and non-guaranteed parts. The non-guaranteed part is projected figures and for illustrative purposes only and is not guaranteed. The actual benefits and/or returns may be lower or higher than the projected figures. You should fully understand all of the risks involved in this product and consider whether this product is affordable and suitable to you before making your application. If you are not satisfied with the Policy, you have the right to cancel the Policy within the cooling-off period and obtain a refund of any premiums paid by giving written notice to Fubon Life provided that you have not made any claims under the Policy. Such notice must be signed by you and received directly by Fubon Life at Suites 1206 - 1209, 12/F, Dorset House, Taikoo Place, 979 King’s Road, Quarry Bay, Hong Kong within 21 calendar days immediately following either the day of the delivery of the Policy or the Cooling-off Notice to you or your nominated representative, whichever is earlier.

 

Terms and Conditions

Important Notes

Important Notes
Cooling-off Period
If you are not completely satisfied with the Policy, you may return the Policy with your signed written request to Fubon Life for its cancellation. The Policy will be cancelled and the premium paid will be refunded, provided that the cancellation written request must be received directly by Fubon Life within 21 calendar days immediately following either the day of delivery of the Policy or the Cooling-off Notice to you or your nominated representative, whichever is earlier. The Cooling-off Notice is the notice sent to you or your nominated representative (separate from the Policy) notifying you of your right to cancel within the stated 21 calendar day period. The business address of Fubon Life Customer Services Department is Suites 1206 – 1209, 12/F, Dorset House, Taikoo Place, 979 King’s Road, Quarry Bay, Hong Kong. No premium or prepaid premium (if any) shall be refunded if claim payment is made under this Policy. After the expiration of the cooling-off period, if you cancel the Policy before maturity, the projected total cash value may be less than the amount of the total premiums you have paid.
 
Nominated Amount and its Adjustment
The Nominated Amount serves as an amount for the calculation of premium, Cash Coupon, and other Policy values for the Plan. It is not equivalent to the amount of the Death Benefit payable in case of the death of the Insured Person within the Benefit Period.

Reduction in Nominated Amount on Policy Anniversary is allowed, which shall not be less than the minimum Nominated Amount. As such, the Cash Coupon, Guaranteed Cash Value, Annual Dividend, Terminal Dividend, the Premium Prepayment Balance and the premium shall be reduced in proportion. The Surrender Benefit, the Maturity Benefit and the Death Benefit shall also be reduced accordingly.
 
Levy on Insurance Premium
Effective from 1 January 2018, all Policyowners are required to pay a levy on each premium payment made for both new and in-force Policies to the Insurance Authority (“IA”). For levy details, please visit Fubon Life’s website or IA’s website.
 

Dividend Philosophy

Dividend Philosophy
For participating Policy, your Policy can earn the investment return of the segregated asset portfolio of the group of business determined by Fubon Life in the form of Annual Dividend and / or Terminal Dividend. The Annual Dividend and Terminal Dividend are non-guaranteed benefits. Fubon Life aims to ensure fair treatment between different groups of Policyowners.

The Annual Dividend and Terminal Dividend will be reviewed at least once a year, based on actual experience and investment outlook. Fubon Life will smooth out the volatility of the actual investment return to ensure a stable dividend payment. If there is any change to the Annual Dividend or Terminal Dividend scale, you will be informed in writing or by the Policy annual statement with explicit reasons for the change.

To determine the Annual Dividend and Terminal Dividend payment, Fubon Life will consider the actual experience and the outlook of the following factors:
  • Investment performance factors: This includes the interest earning of the asset portfolio and market value changes of the asset portfolio, reflecting different market factors such as equity price, asset liquidity, credit spread, default risk and exchange rate.
  • Persistency factors: This includes full surrender and partial surrender and the corresponding impact on investments, etc.
  • Claim factors: This includes the cost of providing Death Benefit and other insured benefits
 

Investment Policy, Investment Objectives and Investment Strategy

Investment Policy, Investment Objectives and Investment Strategy The Investment Policy aims to actively monitor and manage investment risk and Policy liability and to identify asset with suitable characteristics, tenor and liquidity to meet the cash flow need of the insurance business.

The Investment Objectives are to support the guaranteed benefit of the Policies and also to meet the non-guaranteed benefit as illustrated in the Benefit Illustration document to the Policyowners.

The Investment Strategy is to diversify investment risks, to improve capital utilization efficiency, to enhance overall investment returns, and to safeguard the long-term interests of Shareholders and Policyowners. Should there be any significant changes in the Investment Strategy, Fubon Life would inform Policyowners of the changes, with underlying reasons and impact to the Policies.

The long-term target asset mix of this product is:
Asset Type Target Asset Mix (%)
Bonds and other fixed income assets 65–90%
Non-fixed income assets 10-35%
 
To diversify the risk, Fubon Life may invest in securities of different regions, industries, credit ratings, and liquidities. This includes government bonds, corporate bonds and other fixed income assets in US, European, emerging markets, and so on. Fubon Life may also invest in non-fixed income assets including equities, private fund, public fund, mutual fund, index fund, etc. Depending on economy outlook, investment environment, as well as changes in the credit risk, Fubon Life will regularly review and adjust the asset allocation.

The historical figure is not an indicator of future performance of Fubon Life’s products.

For the details of “Dividend Philosophy”, “Accumulation Interest Rate Philosophy”, “Measure to Manage Potential Conflict”, and the “Fulfilment Ratios of Dividends and Interests”, please refer to Fubon Life’s company website.
 

Key Product Risks

Key Product Risks
Nature of the Product and Liquidity Risk
The Plan is of long-term nature and is not of any bank savings nature. You are advised to carefully consider your financial capability, cash flow and liquidity needs before making any purchase decision. The Plan may not be suitable for you and you should not purchase the Plan if you are in need of short-term liquidity.
 
Policy Currency Risk
Policy currency is denominated in the currency as set out in the Policy Schedule. Should the premiums and benefits requested to be paid in the currency other than the Policy currency, approval of such request would be subject to Fubon Life’s absolute discretion and Fubon Life reserves the right to adopt an exchange rate as determined by Fubon Life’s absolute discretion. Please refer to “Foreign Exchange Risk” section below for more details.
 
Risk on Delaying or Missing Premium Payment
The premium will be paid to Fubon Life and part of the premiums will become part of the assets of Fubon Life while part of it will be paid for the insurance and related costs. The Policyowner does not have any direct rights nor ownership over any of these assets. The Policyowner’s rights are subject to terms and conditions of the Policy Provisions and his/her recourse is against Fubon Life only.

You should pay the initial premium on or before the Policy date and subsequent premium(s) on time according to the selected premium mode. Besides, if you fail to make subsequent premium payment before the expiry of the Grace Period (within 31 days after the premium due date), and, if applicable, the outstanding premium is not paid by the Automatic Policy Loan, the Policy will be terminated on the premium due date that triggers the Grace Period and you will lose the coverage afterward. The Surrender Benefit will be refunded to you. You may refer to the related Benefit Illustration document for details.
 
Withdrawal Risk
Withdrawal of the accumulated Cash Coupons with interest (if any) and / or accumulated Annual Dividends with interest (if any) are not allowed if the withdrawal shall cause the total Indebtedness under the Policy exceeding 80% of the aggregate of Guaranteed Cash Value, accumulated Cash Coupons with interest (if any) and accumulated Annual Dividends with interest (if any).
 
Surrender Risk
The Plan has a savings component and is subject to risks and possible loss. Should you surrender the Policy or reduce the Nominated Amount of the Policy before maturity, you may receive an amount considerably less than the amount of total premiums paid. Furthermore, reduction in Nominated Amount is not allowed if the reduction shall cause the total Indebtedness under the Policy exceeding 80% of the aggregate of Guaranteed Cash Value, accumulated Cash Coupons with interest (if any) and accumulated Annual Dividends with interest (if any).
 
Termination Condition
Unless otherwise specified, all benefits under the Policy shall terminate on the earliest of the following events:
  • Death of the Insured Person ;
  • At Policy maturity;
  • Indebtedness under the Policy is greater than or equal to the aggregate of Guaranteed Cash Value, accumulated Cash Coupons with interest (if any) and accumulated Annual Dividends with interest (if any);
  • Surrender or cancellation of the Policy; or
  • If Fubon Life is unable to collect any subsequent premiums which is due by the expiry of Grace Period and, if applicable, the outstanding premium is not paid by the Automatic Policy Loan.
 
Suicide
If the Insured Person commits suicide whilst sane or insane within the first 13 months from the Issue Date, the last Reinstatement Date or the effective date of the last change of Insured Person (whichever is the latest), Fubon Life shall only refund to the Policyowner or the estate of the Policyowner the higher of (i) the amount of the premium paid and the prepaid premium (applicable to the Policies of Annual with Prepayment mode) without interest less any benefits paid and Indebtedness; or (ii) the Surrender Benefit as at the date of death resulting from suicide of the Insured Person.
 
Policy Loan
The Plan offers Policy Loan. It may trigger the start of Automatic Policy Loan, if there is outstanding premium. The loan shall bear interest computed at such rate as may be adopted by Fubon Life from time to time. No Policy Loan shall be granted if the loan shall cause the total Indebtedness under the Policy exceeding 80% of the aggregate of Guaranteed Cash Value, accumulated Cash Coupons with interest (if any) and accumulated Annual Dividends with interest (if any). Please refer to the Policy Provisions for details.
 
Non-guaranteed Benefit
The accumulation interest rate of Cash Coupon, Annual Dividend and its accumulation interest rate, Terminal Dividend, the accumulation interest rate of the remaining balance of the settlement amount at (i) the death of the Insured Person; (ii) Policy surrender; or (iii) Policy maturity under the regular payment option are not guaranteed. All non-guaranteed benefits are determined by Fubon Life and subject to revision from time to time.
 
Foreign Exchange Risk
Any transactions involving foreign currencies are subject to risks, the ever changing political and economic conditions may substantially affect the premium amount paid in Hong Kong dollars due to the currency exchange rate or liquidity of currencies. The premiums received by Fubon Life in a currency different from your Policy currency will be converted to the Policy currency at the prevailing exchange rate determined by Fubon Life from time to time with reference to market rates. All monies payable to Fubon Life or by Fubon Life will be paid in Policy currency, or in the currency other than the Policy currency upon your request. Approval of such request would be subject to Fubon Life’s absolute discretion and Fubon Life reserves the right to adopt the prevailing exchange rate as determined by Fubon Life’s absolute discretion. Therefore, it may be subject to foreign exchange risks in the process of currency conversion.
 
Inflation Risk
The benefits provided under your Policy may not be sufficient to meet your future needs as the future costs of living may be higher than that of today due to inflation.
 
Credit Risk
Fubon Life is the underwriter of the Plan. The Policy is subject to Fubon Life’s credit risk. If Fubon Life is unable to satisfy the financial obligations of the Policy, in the worst scenario, you may lose substantial part of, and even all, premiums paid and benefits provided under the Policy.
 

Other Information

Other Information
  • The Plan is a life insurance product, but not a bank savings plan embedded with a life insurance. The premium is not a placement of a savings deposit with the bank and hence is not protected by the Deposit Protection Scheme in Hong Kong.
  • Fubon Life is solely responsible for all content, approvals, coverage and benefit payment of the Plan.
  • Fubon Life reserves the right to accept or reject any insurance application.
  • Fubon Life is fully responsible for all the above information.
  • The above information is intended for reference only. All the Policy terms and conditions are set out in the Policy Provisions of the Plan. For more information of the Policy terms and conditions, please contact the staff of Fubon Bank.
  • The above information shall not be construed as an offer to sell or solicitation to buy or provision of any insurance of Fubon Life outside Hong Kong.
  • Levy collected by the Insurance Authority will be imposed on the policy at the applicable rate, which would be borne by Fubon Life on behalf of policyowners and remitted in accordance with the prescribed arrangements. Fubon Life will review the payment arrangement of levy on insurance premium regularly and reserves the right to revise the arrangement. For further information, please visit Fubon Life’s company website or contact Fubon Life Customer Service Hotline at (852) 2516 0133.
  • Fubon Life is the private company limited by shares incorporated and registered in Hong Kong and the registered office is situated at Suites 301-303, 3/F, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong.
 

Important Notes for Fubon Bank (Hong Kong) Limited as an Appointed Licensed Insurance Agency

Important Notes for Fubon Bank (Hong Kong) Limited as an Appointed Licensed Insurance Agency
  • Fubon Bank (Hong Kong) Limited (“Fubon Bank”) is the appointed licensed insurance agency for Fubon Life, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any Policy terms or obligations of the Plan.
  • In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the Policy term, it should be resolved directly between Fubon Life and you.
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