Wealth Accumulation

• Potential returns help you to grow your assets
• Flexible financial arrangement
• Change of Insured Option
• Survivorship Option¹ available to pass on your wealth
• Increasing life protection
• Additional Accidental Death Benefit²
• Accidental ICU Benefit³ 

Optional Protection

• Supplementary Riders

1. The Policy Owner can only assign one Beneficiary and the annuity payments period must be not less than two (2) years and not more than twenty (20) years. The Survivorship Option shall only be exercised subject to the conditions to be imposed by BOC Life and must be approved and endorsed by BOC Life in writing prior to the death of the Insured. The Beneficiary, at all times, does not have the right to change this Survivorship Option or any part thereof, including but not limited to the payment method once approved by BOC Life. For the avoidance of doubt, the claims for Death Benefit and Survivorship Option are mutually exclusive. If Survivorship Option has not been elected or exercised, BOC Life will pay the Death Benefit in a lump sum. For details, please refer to provisions issued by BOC Life.

2. Additional Accidental Death Benefit applies to the Insured whose issue age is between eighteen (18) and sixty (60). The Additional Accidental Death Bene¬fit of the Plan is applicable to the Insured who has an Accident during the first five (5) policy years or on or before the Policy Anniversary on or immediately following the Insured's sixtieth (60th) birthday (whichever is earlier). Such Accident should be direct, independent and the sole cause of, and should result in the death of the Insured within one hundred and eighty (180) days after the Accident and before termination of coverage under the relevant policy. If the Insured is covered by more than one policy under Forever Fortune Whole Life Insurance Plan and / or the Plan issued by BOC Life, the total maximum amount of the Additional Accidental Death Benefi¬t of all these policies shall be equal to 10% of the Total Premiums Paid under all such policies as at the date of the Insured’s death (subject to a maximum amount of HKD100,000 / USD12,500 / RMB100,000). BOC Life shall only pay the said total maximum amount once for all such policies. For details, please refer to policy documents and provisions issued by BOC Life.

3. Accidental ICU Benefit applies to the Insured whose issue age is between eighteen (18) and sixty (60). The Accidental ICU Benefit of the Plan is applicable to the Insured who has an Accident during the first five (5) policy years or on or before the Policy Anniversary on or immediately following the Insured's sixtieth (60th) birthday (whichever is earlier). The Insured is admitted for at least twenty-four (24) consecutive hours into an ICU, and has been treated with life supporting medical devices, certified to be Medically Necessary by a Physician who is a specialist of the relevant field due to a life-threatening medical condition; and the Insured is admitted to the ICU within fourteen (14) days after the Accident and before termination of coverage under the policy. The Accidental ICU Benefit will only be paid once under each policy of Forever Fortune Whole Life Insurance Plan and / or the Plan covering the same Insured during the Insured’s lifetime irrespective of the number of admissions to ICU. If the Insured is covered by more than one policy under Forever Fortune Whole Life Insurance Plan and / or the Plan issued by BOC Life, the total maximum amount of the Accidental ICU Benefit of all these policies shall be equal to 10% of the Total Premiums Paid under all such policies as at the date of the Insured’s Accident (subject to a maximum amount of HKD100,000 / USD12,500 / RMB100,000). BOC Life shall only pay the said total maximum amount once for all such policies. As regards admission to ICU in the PRC and Macau, if the hospital is not on the prevailing “List of Specified Hospitals in the PRC and Macau” maintained by BOC Life and uploaded to the website of BOC Life at the time of admission to the hospital, then such admission to ICU is not covered by the policy. For details, please refer to policy documents and provisions issued by BOC Life.

• Provides two underwriting options that suit for different customer needs
• Simplified underwriting with no medical examination (for Delight Version only)
• Whole life protection
• Extra life protection at important stage of life
• Return in long run for wealth accumulation
• Additional Accidental Death Benefit
• Eligible to apply for policy reverse mortgage loans for retirement planning

• Lifelong wealth growth with potential returns
• Projected total rate of return up to 4.80%¹ per annum
• Focused protection on 5 types of Critical Illness and Condition
• Wealth and protection transferrable
• Simplified underwriting with no medical examination
• Multiple premium payment period options and premiums remain unchanged 

Optional Protection

• Supplementary Riders

1 Projected total rate of return includes Guaranteed Cash Value, the projected accumulated Annual Dividend (if any) and its interest (if any), and the projected Terminal Dividend (if any). The projected dividends are based on BOC Life’s dividend scales determined under current assumed investment return and are not guaranteed. The actual return may be higher or lower than the amount quoted in the example. The above projected total rate of return is not guaranteed and is for reference and illustration purposes only. This example is based on the return on the 30th Policy Anniversary and it assumes that (i) the Insured is a male non-smoker, and the policy is issued at his age 35; (ii) the policy currency is USD; (iii) premiums are payable annually over 5 years; (iv) all premiums have been paid in full during the premium payment term and (v) no withdrawal of cash value or Annual Dividend (if any) has been made, and no policy loan has been applied during the policy term.

• Guaranteed Cash Coupons payable until the Insured's age of 100 to achieve various financial goals with ease
• Multiple premium payment period options catering to your financial needs
• Potential returns for your wealth accumulation
• Life protection to protect your beloved
• Optional Protection
  • Supplementary Riders

• Lifelong wealth growth
• Whole life protection
• Wealth and protection transferrable
• No medical examination
• Multiple premium payment period options and premiums remain unchanged 

Optional Protection

• Supplementary Riders

• Regular interest to provide steady income
• Option to withdraw policy value to enjoy flexible financial management
• Whole life protection to protect your beloved
• Easy and convenient application with no medical examination