SmartUp Pro Whole Life Plan
Lifelong wealth growth
Whole life protection
Wealth and protection transferrable
No medical examination
Multiple premium payment period options and up to 3% Guaranteed Interest Rate* Per Annum on Prepaid Premiums
Optional Protection
Supplementary Riders
*(i) Premium Deposit Account is only applicable to the policy with designated premium payment term and the policy with annual premium payment mode. The regular premiums and Levy for your Basic Plan and supplementary benefits (if applicable) must be made in lump sum upon application whereas further pre-payment of premiums and Levy will not be accepted thereafter. (ii) If “Waiver Of Premium Rider” or “Payor’s Death Or Disability Rider” is attached to the policy, Premium Deposit Account is not applicable. (iii) Annual premiums and Levy (if any) will be deducted automatically from the Premium Deposit Account on each Policy Anniversary when due. The Premium Deposit Account balance (if any) should be sufficient to pay the entire amount of annual premiums and Levy (if any) of the policy, and cannot be used for partial settlement of annual premiums and/or Levy (if any). (iv) The Premium Deposit Account balance of Basic Plan (if any) including Levy is accumulated with the Company at a guaranteed interest rate of 2.5% (applicable to policy currency in HKD) and 3.0% (applicable to policy currency in RMB and USD) per annum and the Premium Deposit Account balance of supplementary benefits (if any) is accumulated at a special accumulated interest rate determined by the Company from time to time. Since the special accumulation interest rate of the Premium Deposit Account of supplementary benefits and premiums for some supplementary benefits (if applicable) are not guaranteed and may be changed from time to time by the Company, the Premium Deposit Account balance (if any) is not guaranteed to be sufficient to cover all premiums for the whole premium payment term. When the Premium Deposit Account balance (if any) is insufficient to pay the annual premium payable and/or Levy (if any), BOC Life will issue a payment notice and/or levy reminder to customer, and interest will not be accrued on the residual value. If you make withdrawal from the Premium Deposit Account balance (if any) or surrender your policy, a premium deposit withdrawal fee will be deducted from the amount withdrawn from the Premium Deposit Account balance (if any). (v) If the Insured passes away, the Premium Deposit Account balance (if any) together with the Death Benefit will be payable to the Beneficiary. (vi) For details, please refer to the proposal and provisions issued by BOC Life.
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Important Notice:
The product information does not contain the full terms of the policy and the full terms can be found in the policy documents.
The above material is for reference only and must be read in conjunction with the product brochure / coverage details and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOC Life outside Hong Kong. The above Plan and the supplementary riders (if any) are subject to the formal policy documents and provisions issued by BOC Life. Please refer to the policy documents and provisions issued by BOC Life for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan and the supplementary riders (if any).
