逸悅保 LionPromise - generali-prd.s3-ap-southeast-1 ...... · straightforward and ﬂ exible...

www.generali.com.hk

A promise that lasts beyond a lifetime跨越一生一世的承諾

逸悅保 LionPromise

RL/LP/ENTC/JAN20

忠意人壽（香港）有限公司Generali Life (Hong Kong) Limited

香港英皇道1111號太古城中心一期21樓21/F, Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong

電話 Tel : (852) 2521 0707 傳真 Fax : (852) 2521 8018

電郵 Email : [email protected]

網址 Website : www.generali.com.hk

Generali Hong Kong 香港忠意保險 Bravo Generali App

Generali 數碼保險體驗 Generali Digital Insurance Experience

About Generali Hong KongSince the 1970s, Generali Hong Kong has enabled people to shape a safer future by caring for their lives and dreams. Over the years, we have come to understand the individual requirements of our customers, and are continuously adapting and innovating to meet their changing needs.

Through our extended distribution network of over 300 brokers and intermediaries, we combine our local knowledge with Generali Group’s global network and experience to design unique and innovative, yet straightforward and fl exible life and general insurance solutions to ensure peace of mind for people in Hong Kong.

About Generali GroupGenerali is one of the largest global insurance and asset management providers. Established in 1831, it is present in 50 countries in the world, with a total premium income of more than €66 billion in 2018. With nearly 71,000 employees serving 61 million customers, the Group has a leading position in Europe and a growing presence in Asia and LatinAmerica. Generali’s ambition is to be the life-time partner to its customers, offering innovative and personalized solutions thanks to an unmatched distribution network.

About Generali Hong Kong

About Generali Group

Since the 1970s, Generali Hong Kong has enabled people to shape a safer future by caring for their lives and dreams. Over the years, we have come to understand the individual requirements of our customers, and are continuously adapting and innovating to meet their changing needs. Through our extended distribution network of over 300 brokers and intermediaries, we combine our local knowledge with Generali Group’s global network and experience to design unique and innovative, yet straightforward and �exible life and general insurance solutions to ensure peace of mind for people in Hong Kong.

Generali is one of the largest global insurance and asset management providers. Established in 1831, it is present in 50 countries in the world, with a total premium income of more than €66 billion in 2018. With nearly 71,000 employees serving 61 million customers, the Group has a leading position in Europe and a growing presence in Asia and Latin America. Generali’s ambition is to be the life-time partner to its customers, offering innovative and personalized solutions thanks to an unmatched distribution network.

71,000 employeesin more than 50 countries(as of Sept 2019)

Top 60Fortune Global 500 Companies(as of Dec 2018)

606 billion Euroof assets under management(as of Jun 2019)

Best global insurance groupaccording to Forbes (as of Sept 2019)

A.M. BestFinancial Strength Rating

A (as of Nov 2018)

66 billion Euroin premiums(as of Dec 2018)

Consistently listed in the

4 | 逸悅保 LionPromise

After years of working hard, you are ready to make the important transition from working life to retirement life. Retirement is a time that brings unique opportunities, depending on our own personal goals and dreams. There is one thing that we all know for sure – a fruitful retirement should be a time of financial plenty, not financial worries. That’s why undertaking careful, long-term financial planning during our working years is crucial. Prudent planning, when paired with a saving and protection plan that matches your individual needs, can go a long way towards guaranteeing a retirement life that is packed with fulfilment and freedom.

LionPromise has been carefully tailored to suit the needs of most people entering retirement stage, delivering the perfect combination of accumulated savings for personal spending and protection against the unforeseen. LionPromise will give you a Guaranteed Monthly Annuity Payment from your selected retirement age – right up to age 100. At the same time, LionPromise brings with it valuable protection benefits that can provide peace of mind to you and your family, as well as enable you to have a plan in place for wealth transfer, passing on all the benefits of LionPromise as a legacy to your future generations.

多年來辛苦耕耘，亦是時候為日後的晚年生活作好打算。各人目標夢想不同，退休生活也各異其趣。所謂「退休」，理應自在富足，毋須再掛慮三餐一宿。因此現在身為上班族的您，最需要作出周密而長遠的財務計劃。審慎的規劃，配以切合自身需要的儲蓄保障計劃，可保證您的退休生活了無掛牽，理想實現。

逸悅保專為您的退休生活度身訂造，既可累積儲蓄作個人消費之用，亦為變化莫測的未來提供保障。逸悅保給予您保證每月年金，由所選定的退休年齡直到一百歲為止。同時，逸悅保帶來實際的保障福利，兼可制定財富轉移計劃，讓您與家人高枕無憂，將所有逸悅保帶來的福利傳承給子孫後代。


逸悅保 LionPromise | 5

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承諾保障您的退休生活。WE PROMISE to secure your retirement life.

承諾為您提供強大的保障。WE PROMISE to provide strong protection.

承諾助您把保單傳承後代。WE PROMISE to let you pass on the Policy through generations.

承諾提供簡易的投保程序。WE PROMISE to provide simplified application process.

於您指定的年金期內派發穩定的保證每月年金金額，並於不幸身故或患上長者疾病^時提供充裕的經濟支援。We have got your back by paying a stable stream of Guaranteed Monthly Annuity Payment during your designated Annuity Period. We will also provide sufficient financial support upon death or Elderly Illnesses^ diagnosis.

我們確保為您的摯愛提供充裕的經濟援助；即使我們已經開始派發保證每月年金金額，保證身故保障金額也不會在受保人不幸身故時減少2。We ensure your loved ones have sufficient financial support; even if we have already started paying the Guaranteed Monthly Annuity Payment, the Guaranteed Death Benefit amount will not be reduced in the unfortunate event of death of the Insured2.

您可以運用傳承權益1把您的財富和保障無限次傳承至後代，保單價值並不會因此受到影響。With the Legacy Planning Option1, you can transfer your wealth and protection from generation to generation for unlimited number of times and the Policy Value will not be affected.

只需回答一條簡單問題，並毋須驗身。You just have to answer a simple question, no medical examination is required.

承諾助您靈活規劃退休計劃。WE PROMISE to give you flexibility in designing your own retirement plan.

您可以自定年金期開始年齡，讓您可以更好地規劃自己的前程。You can personalize your Annuity Period Start Age to allow better planning for your future journey.

大承諾 Promises5

^ 須另外選購附加保障，詳情請參閱第9及10頁。^ Required to purchase Supplementary Benefit. For details, please refer to pages 9 and 10.


計劃概覽 Plan Summary

計劃種類Plan Type

基本計劃Basic Plan

保障年期Benefit Term

至受保人100歲Up to age 100 of the Insured

保費繳付年期Premium Payment Term

2年 / 5年2 years / 5 years

簽發年齡Issue Age

0-60歲Age 0-60

保單貨幣Policy Currency

美元USD

繳付模式Payment Mode

年繳 / 半年繳 / 季繳 / 月繳Annual / Semi-Annual / Quarterly / Monthly

最低名義金額3（以每張保單計算）Minimum Notional Amount3 (per Policy)

2年保費繳付年期：10,000美元 / 5年保費繳付年期：4,000美元2-year Premium Payment Term: USD 10,000 /

5-year Premium Payment Term: USD 4,000

保證每月年金金額 Guaranteed Monthly Annuity Payment

保證每月年金金額Guaranteed Monthly Annuity Payment

於整個年金期內為定額及保證派發的金額。A fixed and guaranteed amount payable throughout the whole Annuity Period.

年金期Annuity Period

由您選擇的年金期開始年齡起到保障年期終結為止。From the Annuity Period Start Age you selected until the end of the Benefit Term.

年金期開始年齡（預設為80歲）Annuity Period Start Age (Default at Age 80)

• 由第5個保單週年日或之後至80歲。 On or after the 5th Policy Anniversary to age 80. • 即使保單已經生效，您仍可以靈活選擇開始收取年金金額之年齡。 You can flexibly decide the age to start receiving the annuity payment even if

the Policy has been inforced.


保單保障 Policy Benefit

身故保障Death Benefit

於受保人身故時支付。

於首2年內：• 已繳總保費的105% - 債項（如有）

於首2年後及年金期前：(A) (i) 已繳總保費的140%；或 (ii) 保證現金價值（以較高者為準）+(B) 累積非保證週年紅利4及非保證利息（如有）-(C) 債項（如有）

於年金期內：(A) 於年金期開始時的 (i) 已繳總保費的140%；或 (ii) 保證現金價值

（以較高者為準）+(B) 累積保證每月年金金額及非保證利息（如有）+(C) 累積非保證週年紅利4及非保證利息（如有）-(D) 債項（如有）

身故保障支付方式5：1. 一筆過形式支付2. 每月形式支付

• 受益人將會於5年、10年、20年或30年內每月收取固定比例的身故保障。尚未領取的身故保障金額亦可獲保證利息，利率將於開始支付每月身故保障時由我們釐定。

3. 部份形式支付• 一筆過形式向受益人支付部份身故保障，剩餘的身故保障金額以每月形式支付。

Payable upon death of the Insured.

During the first 2 years:• 105% of the Total Premium Paid - Indebtedness (if any)

After the first 2 years and before Annuity Period:(A) The higher of (i) 140% of the Total Premium Paid; and (ii) Guaranteed Cash

Value +(B) Accumulated non-guaranteed Annual Dividends4 with non-guaranteed

interest (if any) -(C) Indebtedness (if any)

During Annuity Period:(A) At the commencement of the Annuity Period, the higher of (i) 140% of the Total

Premium Paid; and (ii) Guaranteed Cash Value +(B) Accumulated Guaranteed Monthly Annuity Payment with non-guaranteed

interest (if any) +(C) Accumulated non-guaranteed Annual Dividends4 with non-guaranteed interest

(if any) -(D) Indebtedness (if any)

Death Benefit Payment Options5:1. Lump Sum Payment2. Monthly Installment Payment

• A fixed portion of Death Benefit will be paid to the beneficiary on a monthly basis in either 5, 10, 20 or 30 years. Beneficiary can also earn guaranteed interest on the Death Benefit amount which is yet to be paid, the interest rate will be determined by us upon the start of monthly installment of the Death Benefit.

3. Partial Payment• Part of the Death Benefit will be paid in a lump sum and the remaining

amount will be paid in monthly installments.


退保保障Surrender Benefit

於保單退保時支付。於完全退保後，保單將會終止。(A) 保證現金價值 +(B) 累積保證每月年金金額及非保證利息（如有）+(C) 累積非保證週年紅利4及非保證利息（如有）-(D) 債項（如有）

Payable when the Policy is surrendered. Upon full surrender, the Policy will terminate.(A) Guaranteed Cash Value +(B) Accumulated Guaranteed Monthly Annuity Payment with non-guaranteed



保證期滿獎賞Guaranteed Maturity Bonus

於保障年期終結時支付。• 已繳總保費的140% - 債項（如有）

Payable at the end of the Benefit Term.• 140% of the Total Premium Paid - Indebtedness (if any)

期滿保障Maturity Benefit

於保障年期完結時支付。(A) 保證期滿獎賞 +(B) 累積保證每月年金金額及非保證利息（如有）+(C) 累積非保證週年紅利4及非保證利息（如有）-(D) 債項（如有）

Payable at the end of the Benefit Term.(A) Guaranteed Maturity Bonus +(B) Accumulated Guaranteed Monthly Annuity Payment with non-guaranteed



其他選項 Other Options

傳承權益1

Legacy Planning Option1

當受保人仍然在生及保單仍然生效，您可以在繳付所有保費後及年金期開始前行使傳承權益1更換受保人。

您可行使以下的選項：1. 申請更換受保人

• 您可以申請更換原受保人至新的受保人。2. 保單延續

• 於受保人不幸身故後，一位受益人將會成為新的受保人及/或新的保單持有人。

After you have paid up all premiums and before the start of the Annuity Period, you can exercise the Legacy Planning Option1 to change the Insured while the Insured is still alive and the Policy is still in force.

You may exercise the following options:1. Change of Insured upon request

• You can change the original Insured to a new Insured.2. Policy Continuation

• If the Insured dies, one beneficiary will become the new Insured and/or the new Policyholder.

靈活開始選項FlexiStart Option

您可以在年金期開始前行使靈活開始選項以轉換年金期開始年齡。You can exercise the FlexiStart Option and request to change the Annuity Period Start Age before the Annuity Period starts.


自選－附加保障 Optional - Supplementary Benefits

長者疾病保障6

Elderly Illness Benefit6

若受保人被確診患有以下其中一項疾病7，長者疾病保障6的投保額之100%將會支付予保單持有人，惟需扣除債項（如有）。

於以下情況發生時，長者疾病保障6之到期保費將會被豁免：• 受保人被確診患有以下其中一項疾病；或• 受保人完全傷殘◊，並持續不少於6個月。

身故保障將於受保人身故時支付：• 任何長者疾病保障6索償前：

• 投保額之100% - 債項（如有）• 首次長者疾病保障6索償後：

• 投保額之20% - 債項（如有）

If the Insured has been diagnosed with one of the illnesses7 listed below, 100% of the Sum Assured of Elderly Illness Benefit6 will be paid to the Policyholder, less Indebtedness (if any).

The premium due for the Elderly Illness Benefit6 will be waived upon occurance of the followings:• The Insured has been diagnosed with one of the illnesses listed below; or• The Insured has become totally disabled◊ continuously for not less than 6 months.

Death Benefit will be payable upon death of the Insured:• Before any claim of Elderly Illness Benefit6:

• 100% of Sum Assured - Indebtedness (if any)• After first claim of Elderly Illness Benefit6:

• 20% of Sum Assured - Indebtedness (if any)


10 年10 years


至受保人100歲Up to age 100 of the Insured


18-65歲Age 18-65

最低投保額（以每張保單計算）Minimum Sum Assured (per Policy)

12,500美元USD 12,500

保費結構Premium Structure

根據受保人在長者疾病保障6生效日的年齡計算。Calculated based on the age of the Insured on the effective date of the Elderly Illness Benefit6.

受保的長者疾病一覽表：List of Elderly Illnesses this plan covers:

1. 亞爾茲默氏病 / 不可還原之器質性腦退化疾病 / 癡呆

Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders / Dementia

4. 頸動脈血管疾病 Carotid Artery Disease

2. 主動脈瓣膜狹窄 Aortic Stenosis

5. 慢性心衰竭 Chronic Heart Failure

3. 失明 Blindness

6. 慢性腎病 Chronic Kidney Disease


長者疾病保障6

Elderly Illness Benefit6受保的長者疾病一覽表：List of Elderly Illnesses this plan covers:

7. 慢性肝病 Chronic Liver Disease

15. 骨性關節炎（退化性關節炎） Osteoarthritis (Degenerative

Arthritis)

8. 嚴重慢性肺病 Severe Chronic Lung Disease

16. 柏金遜病 Parkinson’s Disease

9. 冠狀動脈疾病 Coronary Artery Disease

17. 周圍動脈疾病 Peripheral Arterial Disease

10. 癲癇 Epilepsy

18. 進行性核上性痳痺 Progressive Supranuclear Palsy

11. 失聰 Loss of Hearing

19. 嚴重骨質疏鬆症@

Severe Osteoporosis@

12. 不能獨立生活@#

Loss of Independent Existence@#

20. 嚴重類風濕關節炎 Severe Rheumatoid Arthritis

13. 重性抑鬱症~

Major Depression~21. 中風 Stroke

14. 多發性硬化症 Multiple Sclerosis

每項疾病只可獲一次賠償。Each illness can only be claimed once only.

@ 保障於70歲時終止。 Coverage ceases at age 70.

# 保障於首次長者疾病保障6索償後終止。 Coverage ceases after first Elderly Illness Benefit6 claim.

~ 每名受保人最高可獲50,000美元賠償。 Subject to a maximum benefit amount of USD 50,000 per life.

主要不保事項：(i) 任何於附加保障生效日或任何復效生效日（以較後者為準）前已存在或該日期起計90日內首次出現的病徵或症狀。

(ii) 在神智清醒或不清醒下自殺、企圖自殺或自我傷殘。(iii) 吸毒及/或酗酒。(iv) 任何刑事行為。(v) 宣告或非宣告的戰爭、革命或任何類似戰爭行動；於宣告或非宣告的戰爭時的軍事或海事服務或於戰爭行動或恢復社會秩序時執行任務。

(vi) 個別疾病或有不同的不保事項，詳情請參閱保單條款。

Major Exclusions:(i) Any Pre-existing Condition prior to or condition manifesting itself occurred

within 90 days following, the later of the effective date of Supplementary Benefit or effective date of any reinstatement of the Policy.

(ii) Suicide, attempted suicide or self-inflicted injury while sane or insane.(iii) Drug and/or alcohol abuse.(iv) Any criminal act.(v) War, declared or undeclared, revolution or any warlike operations; military or

naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.

(vi) Different exclusions may apply to individual illnesses. Please refer to Policy Provisions for details.


保費豁免保障（基本計劃）（只限5年保費繳付年期）Waiver of Premium Benefit (Basic Plan)(For 5-year Premium Payment Term)

若受保人完全傷殘◊，並持續不少於6個月，基本計劃之到期保費將會被豁免直到受保人達65歲或保費繳付年期終結為止（以較前為準）。If the Insured has become totally disabled◊ continuously for not less than 6 months, the premiums due for the Basic Plan will be waived until the Insured reaches age 65 or the end of Premium Payment Term, whichever is earlier.


至基本計劃的保費繳付年期終結Until end of Premium Payment Term of the Basic Plan


至基本計劃的保費繳付年期終結Until end of Premium Payment Term of the Basic Plan


18-60歲Age 18-60

◊完全傷殘之主要不保事項：(i) 任何投保前已存在的狀況。(ii) 在神智清醒或不清醒下自殺、企圖自殺或自我傷殘。(iii) 吸毒及/或酗酒。(iv) 任何刑事行為。(v) 宣告或非宣告的戰爭、革命或任何類似戰爭行動；於宣告或非宣告的戰爭時的軍事或海事服務或於戰爭行動或恢復社會秩序時執行任務。

◊Major Exclusions on Total Disability:(i) Any Pre-existing Condition.(ii) Suicide, attempted suicide or self-inflicted injury while sane or

insane.(iii) Drug and/or alcohol abuse.(iv) Any criminal act.(v) War, declared or undeclared, revolution or any warlike

operations; military or naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.

12 | 逸悅保 LionPromise 逸悅保 LionPromise | 13

Case Studies†個案分享†


: 5 年

基本計劃 Basic plan

黃太投保了逸悅保，並希望自己於60歲退休時能夠享有穩定的保證每月年金金額。她知道年老時身體狀況可能會變差，所以她申請了長者疾病保障6。她於65歲時確診慢性心衰竭及於70歲時確診中風。我們於每項確診疾病中，向黃太支付長者疾病保障6的投保額之100%。她於75歲時不幸身故。受益人獲得基本計劃及長者疾病保障6之身故保障作經濟援助。

Mrs. Wong applied for LionPromise to secure a stable Guaranteed Monthly Annuity Payment at her retirement at age 60. She knew that health conditions would worsen when getting old, so she selected Elderly Illness Benefit6. She was diagnosed with Chronic Heart Failure at age 65 and Stroke at age 70. 100% of the Sum Assured of Elderly Illness Benefit6 was paid to Mrs. Wong on each of the diagnosed illness. She unfortunately died at age 75. The beneficiary received Death Benefit of the Basic Plan and Elderly Illness Benefit6 for financial support.

Mrs. Wong黃太Age 3535歲

李小姐正在計劃她的退休，但她不想太早限制她的退休大計。她投保了逸悅保以確保百份百掌握她的退休生活。30年後，她可以較預期提前退休。因此，她行使靈活開始選項轉換年金期開始年齡。她現在可以收取穩定的保證每月年金金額，並在退休後無憂的享受生活。

Ms. Lee was planning for her retirement but she did not want to fix her retirement plan so early. She applied for LionPromise to have 100% control of her retirement life. After 30 years, she retired earlier than planned, so she decided to exercise the FlexiStart Option and changed the Annuity Period Start Age. Now, she is receiving a steady stream of Guaranteed Monthly Annuity Payment and enjoying her life after retirement with a peace of mind.

Ms. Lee李小姐Age 3030歲

基本計劃 Basic Plan

長者疾病保障6 Elderly Illness Benefit6


靈活財務 Financial flexibility

保障 Protection

years

年金期開始年齡Annuity Period Start Age

: 60 歲Age

年繳保費Annual Premium Paid

: 29,700 美元USD

: 819 美元USD


: 2 年年金期開始年齡Annuity Period Start Age



years : 60 歲Age

: 59,690 美元USD

已繳總保費Total Premium Paid

: 119,380 美元USD

: 590 美元USD


: 10 年年繳保費Annual Premium Paid


years

: 39,975 美元USD

投保額Sum Assured

: 125,000 美元USD

: 3,997.50 美元USD


: 148,500 美元USD

Age 4545歲

Age 4040歲

Age 3535歲

Age 5050歲

Age 5555歲

Age 6060歲

Age 6565歲

Age 7070歲

Age 7575歲

Age 4040歲

Age 3030歲

Age 5050歲

Age 6060歲

Age 7070歲

Age 8080歲

Age 9090歲

Age 100100歲

Premium Payment Term保費繳付年期

Annuity Period (to age 100)年金期（至100歲）

Annuity Period年金期


年度保費Annual Premium Payment

年度保證每月年金金額Annual Guaranteed Monthly Annuity Payment


年度保費（基本計劃）Annual Premium Payment (Basic Plan)

年度保費（長者疾病保障6）Annual Premium Payment (Elderly Illness Benefit6)


保證身故保障（基本計劃）Guaranteed Death Benefit (Basic Plan)

長者疾病保障6賠償Elderly Illness Benefit6 claim


207,900 美元

於保單期滿時收取之總保障 Total benefit received upon Policy maturity:

累積保證每月年金金額及非保證利息

Accumulated Guaranteed Monthly Annuity Payment with

non-guaranteed interest

951,259 美元

累積非保證週年紅利4及非保證利息

Accumulated non-guaranteed Annual Dividends4 with


2,080,045 美元

= + +

於身故時收取之總保障 Total benefit received upon death:

= + + + +

黃太於70歲時確診中風，我們支付長者疾病保障6的投保額之100%。At age 70, Mrs. Wong was diagnosed with Stroke, 100% of the Sum Assured of Elderly Illness Benefit6 was paid.

黃太於65歲時確診慢性心衰竭，我們支付長者疾病保障6的投保額之100%。

At age 65, Mrs. Wong was diagnosed with Chronic Heart Failure, 100% of the Sum

Assured of Elderly Illness Benefit6 was paid.

USD

USD

保證身故保障（基本計劃）

Guaranteed Death Benefit (Basic Plan)

179,022 美元USD

身故保障（長者疾病保障6）

Death Benefit (Elderly Illness Benefit6)

25,000 美元USD

長者疾病保障6賠償Elderly Illness Benefit6 claim

250,000 美元 USD


Accumulated Guaranteed Monthly Annuity Payment with



Accumulated non-guaranteedAnnual Dividends4

with non-guaranteed interest

162,653 美元USD

身故保障（長者疾病保障6）Death Benefit (Elderly Illness Benefit6)

已繳總保費之

478% of TotalPremium Paid

761,020 美元USD

總保障 Total benefit

已繳總保費之


3,239,204 美元USD


144, 345 美元 USD

USD

14 | 逸悅保 LionPromise 逸悅保 LionPromise | 15

Case Studies†個案分享†

陳先生於50歲時投保逸悅保，並計劃於80歲開始享有保證每月年金金額。於70歲時，他希望兒子的未來能夠得到財政保障，所以他行使了傳承權益1，把他的財富與保障傳給他的兒子。兒子現在成為此保單的新受保人及保單持有人。他現時30歲，並選擇由65歲開始收取保證每月年金金額。

Mr. Chan applied for LionPromise at age 50 and planned to start receiving the Guaranteed Monthly Annuity Payment at age 80. At age 70, he wished his son’s future could be financially secured, so he exercised the Legacy Planning Option1 to pass on his wealth and protection to his son. His son is now the new Insured and Policyholder of this Policy. He is at age 30 and has selected to receive the Guaranteed Monthly Annuity Payment from age 65.Mr. Chan陳先生

Age 5050歲

財富傳承 Wealth transfer

陳先生Mr. Chan

陳先生的兒子成為新受保人

Mr. Chan’s sonbecame the new Insured

Age 4040歲

Age 3030歲

Age 5050歲

Age 6060歲

Age 7070歲

Age 8080歲

Age 9090歲

Age 100100歲

Age 5050歲

Age 6060歲

Age 7070歲

Age 8080歲

Age 9090歲

Age 100100歲

行使傳承權益1

Exercised Legacy Planning Option1

Annuity Period (to age 100)年金期（至100歲）


年度保費Annual Premium Payment




700,001 美元

於保單期滿時收取之總保障 Total benefit received upon Policy maturity:


Accumulated Guaranteed Monthly Annuity Payment with non-guaranteed interest

4,075,650 美元


Accumulated non-guaranteed Annual Dividends4 with


23,454,766 美元

= + +

行使傳承權益1前 Before exercising Legacy Planning Option1

陳先生Mr. Chan

行使傳承權益1後 After exercising Legacy Planning Option1

陳先生的兒子

Mr. Chan’sson

USD USD

USD


: 5 年years

年金期開始年齡Annuity Period Start Age

: 65 歲Age


: 100,000.20 美元USD


: 500,001 美元USD


: 4,529 美元USD

† 以上個案分享假設整個保障年期內沒有任何保單貸款或退保，並且假設所有保費於到期時已被全數繳付。† The above case studies assume that no policy loans are taken or no surrenders are made throughout the Benefit Term and that all premiums are paid in full when due. 以上個案分享假設保證每月年金金額及非保證週年紅利4以4%非保證年利率積存生息。 The above case studies assume the Guaranteed Monthly Annuity Payment and non-guaranteed Annual Dividends4 are accumulated with non-guaranteed interest rate at 4% p.a..

已繳總保費之


28,230,417 美元USD



Remarks:

1. The application of “Change of Insured upon request” option is subject to the prevailing administrative rules and the following requirements:• The new Insured must be alive at the time of the Legacy Planning Option

is exercised;• The new Insured must have an insurable interest with the Policyholder; • The new Insured must be age 0-75; and• The new Insured cannot be aged over the original Insured.

The application of “Policy Continuation” option is subject to the prevailing administrative rules and the following requirements:• There is only 1 beneficiary before the death of the original Insured;• The new Insured must be alive at the time of the Legacy Planning Option

is exercised;• The new Insured must be age 0-75; and• The new Insured cannot be aged over the original Insured.If the original Insured and the Policyholder is the same person, upon the death of the original Insured, the new Insured will be the new Policyholder at the same time.

After exercising the Legacy Planning Option, the Death Benefit will be equal to:(A) (I) During the first 2 full years from the effective date of change of

Insured: (i) 105% of the Total Premium Paid; or (ii) Guaranteed Cash Value, whichever is higher; or

(II) After the first 2 full years from the effective date of change of Insured: (i) 140% of the Total Premium Paid; or (ii) Guaranteed Cash Value, whichever is higher +

(B) Accumulated Guaranteed Monthly Annuity Payment with non-guaranteed interest (if any) +

(C) Accumulated non-guaranteed Annual Dividends with non-guaranteed interest (if any) -

(D) Indebtedness (if any)

You can exercise the Legacy Planning Option at least 6 months before the Annuity Period starts. The Benefit Term and Annuity Period Start Age will be calculated according to the new Insured.

Please refer to the terms and conditions in the Policy Provisions for details of the Legacy Planning Option.

2. The Guaranteed Death Benefit amount will not be reduced when the following requirements are met:• All premiums are due and paid;• No reduction in Notional Amount;• No policy loan; and• No Legacy Planning Option has been exercised.

3. The Notional Amount will be used to calculate the premiums, Guaranteed Cash Value and other relevant values under the Policy. This amount does not represent the Death Benefit amount payable under the Policy.

4. Annual Dividend will be declared starting from the 3rd Policy Anniversary. Annual Dividend is non-guaranteed.

5. The default option for the Death Benefit Payment Option is Lump Sum Payment. You can apply to change this option before the death of the Insured, subject to the prevailing administrative rules. Please refer to Policy Provisions for details.

6. The Insured of the Elderly Illness Benefit will remain unchanged even if you exercise the Legacy Planning Option to change the Insured of the Basic Plan.

7. Coverage for “Loss of Independent Existence” and “Severe Osteoporosis” will be ceased at the Insured's age of 70. After the first Elderly Illness Benefit claim, coverage for “Loss of Independent Existence” will be ceased.

Product Risks:

Credit riskYour benefits under the Policy are subject to the credit risk of Generali Life (Hong Kong) Limited (“the Company”). If the Company is unable to satisfy the financial obligations of the Policy, you may lose your premiums paid and benefits.

Inflation RiskWhen you decide the Notional Amount and Guaranteed Monthly Annuity Payment, and review the values shown in the proposal, please note that the cost of living in the future may be higher than it is today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.

註：

1. 申請「更換受保人」選項必須符合當時的行政規定及以下條件：• 新的受保人必須於行使傳承權益時仍然在世；• 新的受保人必須與保單持有人有可保利益關係；• 新的受保人的年齡必須介乎 0-75歲；及• 新的受保人的年齡不可以高於原受保人。

申請「保單延續」選項必須符合當時的行政規定及以下條件：• 於原受保人身故前只可以有 1位受益人；• 新的受保人必須於行使傳承權益時仍然在世；• 新的受保人的年齡必須介乎 0-75歲；及• 新的受保人的年齡不可以高於原受保人。若原受保人及保單持有人為同一人，於原受保人不幸身故時，新的受保人將會同時成為新的保單持有人。

行使傳承權益後，身故保障相等於：(A) (I) 在更換受保人生效日的首 2個完整年度內：(i)已繳總保費

的 105%；或 (ii)保證現金價值（以較高者為準）；或 (II) 在更換受保人生效日的首 2個完整年度後：(i)已繳總保費

的 140%；或 (ii)保證現金價值（以較高者為準）+(B) 累積保證年金金額及非保證利息（如有）+(C) 累積非保證週年紅利及非保證利息（如有）-(D) 債項（如有）

您可以在年金期開始前最少 6個月起行使傳承權益。保障年期及年金期開始年齡將會根據新受保人計算。

傳承權益之詳情請參閱保單條款及細則。

2. 若符合以下條件，保證身故保障金額將不會被減少：• 已繳付所有到期保費；• 沒有減少名義金額；• 沒有保單貸款；及• 沒有行使傳承權益。

3. 名義金額將會用作計算保單的保費、保證現金價值及其他保單的相關金額。此金額並非等同此保單可支付的身故保障金額。

4. 週年紅利於第 3個保單週年日開始派發。週年紅利為非保證的。

5. 身故保障的預設支付方式為一筆過形式支付。您可以在受保人身故前申請轉換支付方式，此選擇乃受公司當時的行政規定約束。詳情請參閱保單條款。

6. 即使您行使傳承權益以轉換受保人，長者疾病保障之受保人將會維持不變。

7. 「不能獨立生活」及「嚴重骨質疏鬆症」之保障將於受保人年滿70歲時終止。於首次長者疾病保障索償後，「不能獨立生活」之保障將會被終止。

產品風險：

信貸風險您的保單利益須承受忠意人壽（香港）有限公司（「本公司」）的信貸風險，如果本公司無法按保單的承諾履行財務責任，您可能損失已繳保費及利益。

通脹風險於決定名義金額、保證每月年金金額及檢視建議書內的金額時，請考慮因通脹而引致未來生活成本上漲的風險。當實際的通脹比預計高的時候，即使本公司已經完成所有合約義務，您的實質收益可能會較預期少。


匯率風險所有繳付之保費及支付之保障均以保單貨幣作單位。在本公司當時的行政規定許可下，您可申請與保單貨幣不同的貨幣作為繳付單位。繳付之保費及支付之保障金額將會以本公司最新兌換率兌換為繳付貨幣，該兌換率是根據相關銀行的兌換率並由本公司全權釐定。兌換率會不時波動。您可能因匯率之波動而損失部份的利益價值，而往後繳付的保費（如有）亦可能會比繳付的首次保費金額為高。

退保風險於保障年期內，您可以提交書面申請向本公司申請退保保單。然而，提早退保後取回的利益（如有）可能會大幅度少於已繳總保費。

保費調整保費率是非保證的，而保費率會於每年檢討一次。調整只會於實際經驗與預期情況出現重大分歧時發生。假若須要作出調整，本公司將會根據此產品類別相關的實際經驗，當中包括但不限於投資回報（包括市場價值的賺蝕）、投資展望、直接及非直接的營運成本、賠償情況、退保情況等等而作出調整。調整將不會只針對個別保單，而會對處於同一個風險級別的保單一併作出調整。新的保費率將於下一個保單週年日生效並會提前作出通知。

保費延誤或漏繳若您於保費繳付年期內停止繳付保費，而當時之保證現金價值加上任何累積非保證週年紅利及利息（如有）的總和最少相等於逾期未付之保費加上任何債項（如有），則本公司會以自動貸款形式墊支該逾期未付之保費，否則保單會直接失效導致您或須承受顯著的損失。

重要事項：

冷靜期如您並非完全滿意這份保單，您有權在冷靜期內取消保單，並取回已繳保費及保費徵費的退款（不帶利息）。您須以親筆簽署的函件通知本公司取消有關保單，並於冷靜期內把有關函件連同保單合約正本直接交予本公司（地址為香港英皇道 1111號太古城中心一期 21樓）。冷靜期為有關保單交付您或您的代表後或通知書發予您或您的代表後起計的 21日，以較先者為準。

自殺受保人由本保單簽發日、任何保單復效生效日或更換受保人生效日（以較後者為準）起計 1年內自殺，無論自殺時神智清醒與否，本公司的責任只限於退還扣除任何已繳保障及任何債項後的已繳之保費而不包括利息。

保單終止本公司將於以下情況終止保單，您將會失去保障：- 受保人身故（除非已行使保單延續）；- 保單的期滿日；- 保單被取消或退保；- 未能於保費繳款到期日起計 30天內繳付逾期的保費，而保單沒有任何現金價值；或

- 當債項等如或多於保證現金價值及累積非保證週年紅利及利息（如有）的總和時。

Exchange Rate RiskAll premium payments and benefit payouts will be at the policy currency. Subject to our prevailing administrative rules, you may request a payment currency different from the policy currency. The premium amount payable or the benefit payout amount will be converted to payment currency according to the latest exchange rate solely decided by the Company based on any relevant banks’ exchange rate. Exchange rate fluctuates from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations.

Risk from SurrenderYou may request to surrender the Policy by sending a written request to us during the Benefit Term. However, benefit received from early surrender (if any) may be significantly less than the Total Premiums Paid.

Premium AdjustmentPremium rate is non-guaranteed and the premium rate scale is reviewed annually. Adjustment will only be made if there is a substantial deviation of its actual experience versus assumptions. In case it is adjusted, it will be adjusted based on the Company’s actual experience relating to its relevant product group, including but not limited to investment return including any market value gains and losses, investment outlook, direct and indirect expenses, claim and lapse experience. The adjustment will not be made to only individual policies but to the group of policies of the same risk class. New premium rate will be effective from the coming Policy Anniversary with prior notice.

Delay or Non-Payment of PremiumIf you cease to pay premium during the Premium Payment Term, the Company will advance the premium due as automatic loan as long as the sum of Guaranteed Cash Value and any accumulated non-guaranteed Annual Dividends with interest (if any) is at least equal to the sum of the premium in default and the Indebtedness (if any), or the Policy will lapse immediately and you may suffer a significant loss.

Important Notes:

Cooling-off PeriodIf you are not completely satisfied with your Policy, you have the right to cancel it and obtain a refund of any premiums and levies paid (without interest), by returning the original Policy with a letter signed by you, requesting for the cancellation. Such request must be received directly by us at 21/F, Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong within the cooling-off period, which is 21 days after the delivery of the Policy or issue of a notice to you or your representative, whichever is earlier.

SuicideIf the Insured commits suicide, whilst sane or insane, within 1 year from the later of Date of Issue, effective date of any reinstatement of the Policy and effective date of change of Insured, the liability of the Company shall be limited to return of premiums paid without interest, less any Benefits paid and any Indebtedness.

Termination ConditionsThe Company will terminate the Policy and you will lose the cover under any of the following circumstances:- once the Insured dies (except Policy Continuation is exercised);- on the Expiry Date of the Policy;- once the Policy is cancelled or surrendered;- a premium is not paid by 30 days from the due date of premium and the Policy

has no cash value; or- the outstanding Indebtedness equals or exceeds the sum of Guaranteed

Cash Value and accumulated non-guaranteed Annual Dividends with interest (if any).


本公司將於以下情況終止長者疾病保障，您將會失去保障：- 受保人身故；- 受保人年齡達 100歲之保單週年日；- 保單持有人要求終止長者疾病保障；- 未能於保費繳款到期日起計 30天內繳付基本計劃及/或長者疾病保障逾期的保費，而保單沒有任何現金價值；或

- 基本計劃終止。

本公司將於以下情況終止保費豁免保障（基本計劃），您將會失去保障：- 受保人年齡達 65歲之保單週年日；- 保單持有人要求終止保費豁免保障（基本計劃）；- 未能於保費繳款到期日起計 30天內繳付基本計劃及/或保費豁免保障（基本計劃）逾期的保費；

- 已繳清基本計劃的保費；- 已獲批准支付保費豁免保障（基本計劃）；或- 基本計劃終止。

紅利理念：

週年紅利為非保證的。本公司將最少每年一次根據本公司於此產品相關的產品類別實際的經驗定期檢討並修訂紅利率，當中包括但不限於投資回報（包括市場價值的賺蝕）、投資展望、直接及非直接的營運成本、賠償情況、退保情況等。於調整紅利率時，本公司亦會考慮對紅利率的調整作出緩和調整。在某些情況下，非保證紅利可能為零。有關過往紅利資料，請瀏覽 https://www.generali.com.hk/ZH_HK/ what-we-do/for-individuals/life-insurance/reference-information/generali-life-limited。

投資策略：

本產品有大約 75%-100%的資產以投資於投資級別的債券、現金及與現金等效的投資工具為目標，而大約 0%-25%的資產以投資於股票為目標，以此來平衡本公司於此產品的風險及回報。在考慮投資市場情況後，將會不時透過買賣資產來重整組合以維持資產比例。本公司保留權利自行決定更改投資組合百分比，當對投資組合作出重大更改時將在不少於生效前 30天作出提前通知。股票的波動和利率的波幅或會影響此計劃的非保證保障及回報。此計劃的非保證保障及回報同時亦受債券發行商（此計劃投資的債券）的信用風險影響。若有投資於美元以外的其他貨幣的投資產品，即使本公司已利用避險貨幣管理匯率風險，匯率風險仍會存在。

忠意人壽（香港）有限公司全面負責一切計劃內容、保單批核、保障及賠償事宜。本公司保留接納或拒絕任何保單申請的最終權利。

LionPromise is underwritten by Generali Life (Hong Kong) Limited. This product brochure is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong.

This product brochure is for reference only and does not construed as any contract or any part thereof between the Company and any other parties. This product brochure should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. Please refer to Policy Provisions for details of terms and conditions. For Policy Provisions and product details, please contact your Insurance Advisers or our Company Representatives.

The Elderly Illness Benefit will be terminated and you will lose the cover under any of the following circumstances:- once the Insured dies;- the Policy Anniversary on which the Insured attains age 100;- the Policyholder requests to terminate the Elderly Illness Benefit;- a premium is not paid by 30 days from the due date of premium of the Basic

Plan and/or Elderly Illness Benefit and the Policy has no cash value; or- once the Basic Plan is terminated.

The Waiver of Premium Benefit (Basic Plan) will be terminated and you will lose the cover under any of the following circumstances:- the Policy Anniversary on which the Insured attains age 65;- the Policyholder requests to terminate the Waiver of Premium Benefit (Basic Plan);- a premium is not paid by 30 days from the due date of premium of the Basic

Plan and/or Waiver of Premium Benefit (Basic Plan);- the premium of the Basic Plan is paid up;- approved claim of the Waiver of Premium (Basic Plan); or- once the Basic Plan is terminated.

Dividend Philosophy:

Annual Dividend is non-guaranteed. The dividend scale is reviewed at least annually and adjusted based on Company's actual experience relating to its relevant product group, including but not limited to investment return including any market value gains and losses, investment outlook, direct and indirect expenses, claim and lapse experience. In adjusting the dividend scales, the Company will also consider smoothing of the dividend adjustments. Under some circumstances, the non-guaranteed dividends may be zero. For dividend history, please visit: http://www.generali.com.hk/what-we-do/for-individuals/life-insurance/reference-information/generali-life-limited.

Investment Strategy:

The Company seeks to balance between the risks and return of this product. Around 75%-100% of assets of this product are targeted to be invested in investment grade bonds, cash and cash equivalent instruments, and around 0%-25% of assets of this product are targeted to be invested in equity. Rebalancing of the portfolio will be done from time to time and any purchases or sales of assets may be executed to maintain the asset mix in consideration of the investment market situations. The Company reserves the right to change the investment portfolio mix at our sole discretion. In case of significant change in the investment portfolio mix, notification will be sent to you no later than 30 days prior to the effective date of new investment portfolio mix. Equity volatility and interest rate fluctuations may affect the non-guaranteed benefits and returns of the plan. The non-guaranteed benefits and returns of the plan are also subject to credit risk of the issuers of the bonds (in which the plan invests). Foreign exchange rate risk may also be incurred if there are investments in the currencies other than USD, although we will manage such risk as far as possible by using currency hedge.

Generali Life (Hong Kong) Limited is solely responsible for all content, approvals, coverage and benefit payment of the Plan. The Company reserves the right to accept and reject any insurance application.

逸悅保由忠意人壽（香港）有限公司承保。此產品小冊子只適宜於香港派發，並不應被詮釋為在香港以外地區提供、銷售或遊說購買本公司的任何產品。

此產品小冊子只供參考，不能作為本公司與任何團體所訂立之任何合約。此產品小冊子應與包括本產品附加資料及重要考慮因素的說明文件（如有）及有關的市場推廣資料一併閱覽。有關條款及細則的詳細資料，請參閱保單條款。您可向保險顧問或本公司的代表索取保單條款及產品詳情。

https://www.generali.com.hk/ZH_HK/what-we-do/for-individuals/life-insurance/reference-information/generali-life-limited



About Generali Hong KongSince the 1970s, Generali Hong Kong has enabled people to shape a safer future by caring for their lives and dreams. Over the years, we have come to understand the individual requirements of our customers, and are continuously adapting and innovating to meet their changing needs.

Through our extended distribution network of over 300 brokers and intermediaries, we combine our local knowledge with Generali Group’s global network and experience to design unique and innovative, yet straightforward and fl exible life and general insurance solutions to ensure peace of mind for people in Hong Kong.

About Generali GroupGenerali is one of the largest global insurance and asset management providers. Established in 1831, it is present in 50 countries in the world, with a total premium income of more than €66 billion in 2018. With nearly 71,000 employees serving 61 million customers, the Group has a leading position in Europe and a growing presence in Asia and LatinAmerica. Generali’s ambition is to be the life-time partner to its customers, offering innovative and personalized solutions thanks to an unmatched distribution network.

About Generali Hong Kong

About Generali Group

Since the 1970s, Generali Hong Kong has enabled people to shape a safer future by caring for their lives and dreams. Over the years, we have come to understand the individual requirements of our customers, and are continuously adapting and innovating to meet their changing needs. Through our extended distribution network of over 300 brokers and intermediaries, we combine our local knowledge with Generali Group’s global network and experience to design unique and innovative, yet straightforward and �exible life and general insurance solutions to ensure peace of mind for people in Hong Kong.

Generali is one of the largest global insurance and asset management providers. Established in 1831, it is present in 50 countries in the world, with a total premium income of more than €66 billion in 2018. With nearly 71,000 employees serving 61 million customers, the Group has a leading position in Europe and a growing presence in Asia and Latin America. Generali’s ambition is to be the life-time partner to its customers, offering innovative and personalized solutions thanks to an unmatched distribution network.

www.generali.com.hk

A promise that lasts beyond a lifetime跨越一生一世的承諾

逸悅保 LionPromise

RL/LP/ENTC/JAN20

忠意人壽（香港）有限公司Generali Life (Hong Kong) Limited

香港英皇道1111號太古城中心一期21樓21/F, Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong

電話 Tel : (852) 2521 0707 傳真 Fax : (852) 2521 8018

電郵 Email : [email protected]

網址 Website : www.generali.com.hk

Generali Hong Kong 香港忠意保險 Bravo Generali App

Generali 數碼保險體驗 Generali Digital Insurance Experience

逸悅保 LionPromise - generali-prd.s3-ap-southeast-1 ...... · straightforward and ﬂ exible...

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