Underlying Funds Information

Important Information

1. Tactics Investment Insurance Plan, Harvest Joy Protection Plan, and Wisdom Investment Linked Insurance Plan (the “Relevant ILAS”) are investment-linked assurance schemes, which are insurance policies issued by BOC Group Life Assurance Company Limited (the "Company"). Please note that the Relevant ILAS are no longer marketed to the public in Hong Kong and have been closed for new policy application.
2. Your investments in the Relevant ILAS are subject to the credit risks of the Company.
3. The premiums you pay towards the Relevant ILAS will become part of the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
4. Your return on investments is calculated or determined by the Company with reference to the performance of the underlying fund(s)/ asset(s) corresponding to the investment choice(s) selected by you.
5. The return of some of the investment choice(s) is determined with reference to pools of assets internally managed by the Company on a discretionary basis not authorized by the Securities and Futures Commission under the Code on Unit Trusts and Mutual Funds.
6. Investment involves risk. The investment choice(s) available under the Relevant ILAS have very different features and risk profiles. Some may be of high risk.
7. Your return of investments under the Relevant ILAS will be subject to the charges of the Relevant ILAS and may be lower than the return of the underlying funds.
8. The Relevant ILAS are designed to be held for a long term period. Early surrender or withdrawal of the policy / suspension of or reduction in premium may result in a significant loss of principal and/or first year bonus awarded (if applicable). Poor performance of the underlying fund(s)/ asset(s) may further magnify your investment losses, while all charges of the Relevant ILAS are still deductible.
9. More Importantly, policyholders of Harvest Joy Protection Plan and Wisdom Investment Linked Insurance Plan should be aware of the following regarding your death benefit and the cost of insurance (“insurance charges”) :
   • Part of the fees and charges you pay that will be deducted from the value of the policy will be used to cover the insurance charges for the life coverage and any additional coverage you may choose.
   • The insurance charges will reduce the amount that may be applied towards investment in the underlying fund(s) selected.
   • The insurance charges may increase significantly during the term of the policy due to factors such as age and investment losses, etc. This may result in significant or even total loss of your premiums paid.
   • If the value of the policy becomes insufficient to cover all the ongoing fees and charges, including the insurance charges, the policy may be terminated early and you could lose all your premiums paid and benefits.
   • You may contact the Company for details such as how the charges may increase and could impact the value of the policy.
10. If the value of your policy(ies) is not sufficient to cover all the fees and charges of the Relevant ILAS, your policy(ies) will be terminated early and you will not be able to enjoy any death and other benefits (if applicable) from the policy(ies).
11. Please do not invest based on this material alone. You should read the offering documents of the Relevant ILAS and the underlying fund(s) corresponding to each investment choice, and the notices issued by the Company from time to time for further details (including the risk factors, charges, investment objectives and policies, etc.) prior to making any investment decision.

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