駿富人生壽險計劃您的卓越成就與財富, 全是努力與智慧的成果為未來悉心策劃, 不但能為您達致豐盛無憂人生, 更可確保您的成就與財富得以傳承至下一代, 締造優裕財富駿富人生壽險計劃為您及您的摯愛家人提供終身人壽保障及穩健的財政保障透過支付整付保費, 即可憑藉保證現金價值及週年紅利 1,

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若市赐贺
7 years ago
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1 駿富人生壽險計劃 AM0154/1609

2 駿富人生壽險計劃您的卓越成就與財富, 全是努力與智慧的成果為未來悉心策劃, 不但能為您達致豐盛無憂人生, 更可確保您的成就與財富得以傳承至下一代, 締造優裕財富駿富人生壽險計劃為您及您的摯愛家人提供終身人壽保障及穩健的財政保障透過支付整付保費, 即可憑藉保證現金價值及週年紅利 1, 穩定累積財富您可選擇提取累積週年紅利, 為您的各項人生目標提供資金, 如您的子女升學您的優悠退休生活等 ; 或讓週年紅利存放於本公司不斷滾存, 令財富得以承傳, 讓您的摯愛家人的日後生活更有保證計劃特點保證終身人壽保障至 100 歲於保單繕發時, 保證現金價值為整付保費之 85% 設保證現金價值及週年紅利 1, 助您穩步累積財富為您的摯愛家人提供財政保障保證現金價值讓您策劃穩健的未來駿富人生壽險計劃提供保證現金價值, 而且金額不會受到市場波動影響於保單繕發時, 保證現金價值為整付保費之 85% 1 派發週年紅利助您獲享額外回報除保證現金價值外, 駿富人生壽險計劃會於每年派發週年紅利 1, 您可選擇讓紅利積存生息 1, 獲享額外回報之餘, 讓您更快達成財富目標您亦可選擇於需要時提取累積週年紅利 1, 讓您輕鬆達成各項人生目標, 例如為您的子女預備升學費用送給您的子女一份結婚禮物, 或作為您的退休生活的費用等提供人壽保障至 100 歲 1 保障額及累積週年紅利將於受保人達 100 歲時派發您的財富將得以妥善承傳若受保人不幸身故, 指定受益人將可獲發身故賠償免費環球緊急支援服務您只要投保駿富人生壽險計劃, 無論您身處何地, 都可享有 24 小時免費環球緊急支援服務, 以獲得即時支援 1 週年紅利及年利率並非保證

3 說明摘要 ( 美元保單 ): 陳先生現年 40 歲並經營家族生意他的財產可劃分為不同種類由於市場環境瞬息萬變, 縱使他的財產有機會因環境轉差而大幅貶值, 但他仍希望他的下一代能維持穩定生活及其家族生意能得以延續陳先生現在的資產組合投資美元 $300 萬現金美元 $400 萬家族生意美元 $800 萬房地產美元 $800 萬共美元 $2,300 萬假使日後市場波動, 陳先生的財產價值下降, 而陳先生於 80 歲不幸身故時資產分佈如下 : 若陳先生沒有投保駿富人生壽險計劃投資美元 $200 萬現金美元 $400 萬家族生意美元 $700 萬陳先生於 40 歲時以現金繳付美元 $200 萬之保險身故賠償 2 美元 $840 萬整付保費投保駿富人生壽險計劃家族生意美元 $700 萬房地產美元 $600 萬共美元 $1,900 萬投資美元 $200 萬現金美元 $200 萬房地產美元 $600 萬共美元 $2,540 萬駿富人生壽險計劃提供之額外財富 : 美元 $640 萬 2 假設陳先生於 40 歲時以現金繳付美元 $200 萬之整付保費投保駿富人生壽險計劃, 並於 80 歲不幸身故身故賠償相等於美元 $840 萬 ( 包括投保額及累積週年紅利 ) 身故賠償中的預期可得累積週年紅利金額乃根據富通保險有限公司 2014 年 4 月之紅利分配及年利率 (2014 年 4 月之適用年利率為 4.25%) 加以預測, 兩者都是沒有保證的實際獲發之紅利或會較高或較低應付紅利的金額 ( 如有 ) 將取決多項隨時間及環境變更之因素, 其中包括投資回報數據只供參考請參閱駿富人生壽險計劃的條款及細則以獲取詳盡資料欲知駿富人生壽險計劃的詳情, 請致電客戶服務熱線 : 或與富通保險顧問聯絡此文件乃資料摘要, 僅供參考之用請參閱計劃的條款及細則以獲取更多資料此文件只適宜於香港分發, 不應被詮釋為在香港以外地區提供本公司的任何產品, 或就其作出要約或招攬富通保險有限公司於百慕達註冊成立之有限公司 FTLife Insurance Company Limited A company incorporated in Bermuda with limited liabilities

4 壽險計劃保單產品宣傳單張附錄 - 海外賬戶稅收合規法案根據美國海外賬戶稅收合規法案 (FATCA) 海外賬戶稅收合規法案, 海外金融機構 (FFI)( 海外金融機構 ) 必須向美國稅務局 (IRS)( 美國稅務局 ) 報告關於在美國境外持有該外國金融機構賬戶的美國人士的若干資料, 並獲得其同意由海外金融機構將有關資料轉移至美國稅務局如有海外金融機構不簽署或不同意遵守其與美國稅務局就海外賬戶稅收合規法案簽訂的協議 ( 海外金融機構協議 ) 及 / 或未獲豁免此安排 ( 稱為非參與協議的海外金融機構 ), 則其所有來自美國 ( 初期包括股息利息及某些衍生金融工具繳款 ) 的可預扣款項 ( 其定義與海外賬戶稅收合規法案所定義者相同 ) 將面臨百分之三十的預扣稅 ( 海外賬戶稅收合規法案預扣稅 ) 美國和香港已正式簽訂一項跨政府協議 (IGA)( 跨政府協議 ), 以促進香港各金融機構遵守海外賬戶稅收合規法案, 並為香港各海外金融機構營造一個框架, 以利用簡易盡職審查程序,( 一 ) 識別美國身份標記 ( 二 ) 向其美國保單持有人尋求同意作出披露, 及 ( 三 ) 向美國稅務局報告該等保單持有人的相關稅務資料海外賬戶稅收合規法案適用於富通保險有限公司( 本公司 ) 及此保單本公司是參與協議的海外金融機構本公司致力於遵守海外賬戶稅收合規法案故此, 本公司要求閣下 : (i) 向本公司提供若干資料, 包括 ( 如適用 ) 閣下的美國身份識別資料 ( 如姓名地址美國聯邦納稅人識別號碼等 ); 及 (ii) 同意本公司向美國稅務局報告此等資料和閣下的賬戶資料 ( 如賬戶餘額利息紅利收入和提取的款項 ) 如果閣下未能履行該等責任 ( 稱為不合規賬戶持有人 ), 本公司必須向美國稅務局報告包括賬戶結餘收支總額和該等拒絕披露資料的美國賬戶數目的綜合資料本公司在某些情況下可能必須將海外賬戶稅收合規法案預扣稅強制加於其從閣下的保單所作出的付款或保單所收到的款項目前, 本公司只在下列情況可能必須採取上述行動 : (i) 如果香港稅務局未能與美國稅務局根據跨政府協議 ( 及香港和美國簽訂的相關稅務資料交換協定 ) 交換資料, 則本公司可能必須從閣下的保單所收到的可預扣款項扣減和扣起海外賬戶稅收合規法案預扣稅, 並將該預扣稅匯至美國稅務局 ; 及 (ii) 如果閣下 ( 或任何其他賬戶持有人 ) 是一間非參與協議的海外金融機構, 則本公司可能必須從閣下的保單所收到的可預扣款項扣減和扣起海外賬戶稅收合規法案預扣稅, 並將該預扣稅匯至美國稅務局就海外賬戶稅收合規法案可能對閣下的保單可能帶來的影響, 閣下應該尋求獨立專業意見 AM158/1609

5 Signature Life Insurance Plan AM0154/1609

6 Signature Life Insurance Plan Your hard-earned wealth and achievement are the fruits of your diligence and wisdom. Planning wisely for these fruits could provide you with a comfortable and worry-free life. It could also ensure that your descendants who inherit them afterwards will live prosperously as well. Signature Life Insurance Plan provides life protection and financial comfort to you and your loved family. By paying a single premium, you will be provided with a guaranteed cash value and annual dividend 1 that will steadily build up your fortune. You could choose either to withdraw the accumulated annual dividend in order to provide funds for your life s goals such as your children s education or an affluent life after your retirement or else you could leave the annual dividend with us and accumulate, so that you could pass it on to your loved ones and ensure they enjoy carefree lives too. The Plan s features Guaranteed whole-life protection up to age 100 Guaranteed cash value upon policy issuance will be 85% of the single premium paid A guaranteed cash value and annual dividend 1 that will allow your wealth to grow steadily Financial protection to your loved ones A secure future with a guaranteed cash value Signature Life Insurance Plan offers a guaranteed cash value. The guaranteed cash value will be 85% of the single premium paid upon the policy is issued and it is not affected by the market fluctuation. Annual dividend 1 brings extra rewards Apart from the guaranteed cash value, Signature Life Insurance Plan will pay you an annual dividend 1 every year. You may leave them with us to earn interest 1 and accumulate. This not only gives you extra rewards but also helps you to achieve the financial goals faster. You could freely withdraw any accumulated annual dividend 1 to achieve your life s goals whenever you wish, for such purposes as your children s educational fees, heartfelt gifts when your children get married, or preparing for your retired life. Life protection up to the age 100 The sum insured and accumulated annual dividend 1 are payable when the insured reaches age 100. In the unfortunate event of death of the insured, a death benefit will be payable to the designated beneficiaries. Free Worldwide Emergency Assistance Services When you enrol in Signature Life Insurance Plan, you will also enjoy 24-Hour Worldwide Emergency Assistance Services, wherever you may happen to be. 1. The annual dividend and interest rate are not guaranteed.

7 Illustrative example (Policy denominated in United States Dollar): Mr. Chan is 40 years old and he runs a family business. His wealth could be divided into different categories. Since the markets are unpredictable, the value of his wealth may depreciate during adverse market conditions. However, Mr. Chan still hopes to maintain a stable life as well as the succession of the family business. Mr. Chan s Current Wealth Portfolio Investments US$3M Cash US$4M Family Business US$8M Real Estate US$8M Total US$23M Assume market deteriorates, the value of Mr. Chan s wealth depreciates and his assets are allocated as follows when he unfortunately passes away at the age of 80: If Mr. Chan did not enroll in Signature Life Insurance Plan Mr. Chan enrolled in the Signature Life Insurance Plan with a single premium of US$2M paid by cash at the age of 40 Cash US$4M Investments US$2M Family Business US$7M Death Benefit US$8.4M 2 Family Business US$7M Real Estate US$6M Total US$19M Investments US$2M Cash US$2M Real Estate US$6M Total US$25.4M Extra wealth with Signature Life Insurance Plan: US$6.4M 2. This assumes that Mr. Chan enrols in Signature Life Insurance Plan with a single premium of US$2M at the age of 40 and he unfortunately passes away at the age of 80. The death benefit is US$8.4M (including the sum insured and accumulated annual dividend). The projected accumulated annual dividend in the death benefit is based on the dividend scales of FTLife Insurance Company Limited and interest rate in April 2014 (the interest rate as of April 2014 is 4.25%), both of which are not guaranteed. The actual dividends paid may change with the values being higher or lower than those illustrated. In determining the amount of dividends payable (if any), the Company will consider many factors such as investment return which can change from time to time. These figures are for illustrative purposes only. Please refer to the policy documents of Signature Life Insurance Plan for detailed terms and conditions. Please call our Customer Service Hotline at or contact our Consultant for more details of Signature Life Insurance Plan. The information in this document is intended as a general summary and for reference only. Please refer to the policy provision for full terms and conditions. This document 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.

8 Insurance Policy Product Brochure Addendum - Foreign Account Tax Compliance Act Under the U.S. Foreign Account Tax Compliance Act ( FATCA ), a foreign financial institution ( FFI ) is required to report to the U.S. Internal Revenue Service ( IRS ) certain information on U.S. persons that hold accounts with that FFI outside the U.S. and to obtain their consent to the FFI passing that information to the IRS. An FFI which does not sign or agree to comply with the requirements of an agreement with the IRS ( FFI Agreement ) in respect of FATCA and/or who is not otherwise exempt from doing so (referred to as a nonparticipating FFI ) will face a 30% withholding tax ( FATCA Withholding Tax ) on all withholdable payments (as defined under FATCA) derived from U.S. sources (initially including dividends, interest and certain derivative payments). The U.S. and Hong Kong have agreed an inter-governmental agreement ( IGA ) to facilitate compliance by FFIs in Hong Kong with FATCA and which creates a framework for Hong Kong FFIs to rely on streamlined due diligence procedures to (i) identify U.S. indicia, (ii) seek consent for disclosure from its U.S. policyholders and (iii) report relevant tax information of those policyholders to the IRS. FATCA applies to FTLife Insurance Company Limited (the Company ) and this Policy. The Company is a participating FFI. The Company is committed to complying with FATCA. To do so, the Company requires you to: (i) provide to the Company certain information including, as applicable, your U.S. identification details (e.g. name, address, the US federal taxpayer identifying numbers, etc.); and (ii) consent to the Company reporting this information and your account information (such as account balances, interest and dividend income and withdrawals) to the IRS. If you fail to comply with these obligations (being a Non-Compliant Accountholder ), the Company is required to report aggregate information of account balances, payment amounts and number of non-consenting US accounts to IRS. The Company could, in certain circumstances, be required to impose FATCA Withholding Tax on payments made to, or which it makes from, your policy. Currently the only circumstances in which the Company may be required to do so are: (i) if the Inland Revenue Department of Hong Kong fails to exchange information with the IRS under IGA (and the relevant tax information exchange agreement between Hong Kong and the U.S.), in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your policy and remit this to the IRS; and (ii) if you are (or any other account holder is) a nonparticipating FFI, in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your policy and remit this to the IRS. You should seek independent professional advice on the impact FATCA may have on you or your policy. AM158/1609

* RRB *

* RRB * *9000000000RRB0010040* *9000000000RRB0020040* *9000000000RRB0030040* *9000000000RRB0040040* *9000000000RRC0010050* *9000000000RRC0020050* *9000000000RRC0030050* *9000000000RRC0040050* *9000000000RRC0050050*