Please refer to relevant product page of the respective insurance plan for the Appointed Licensed Insurance Agency. Please refer to the policy documents for the full terms and conditions of the Eligible Life Insurance Plan(s), and the product leaflet of Hong Kong Life's life insurance plans for product information. Before applying for any life insurance plan, client should carefully read and understand the contents and terms of the policy document. Client should also seek independent and professional advice before making any decision.

Terms and Conditions of the "Fabulous" Premium Discount Voucher:

1. "Fabulous" Premium Discount Voucher (the "Voucher") is applicable to the applications for any specified Eligible Life Insurance Plan of Hong Kong Life Insurance Limited ("Hong Kong Life") submitted at any of the Appointed Licensed Insurance Agency of Hong Kong Life within the Validity Period, given all terms and conditions of incentive fulfilled for such application, including: (i) the Annualized First Year Premium of basic plan being not less than HKD18,000 or equivalent; and (ii) the policy being successfully issued. Clients may enjoy the First Year Premium Discount at HKD1,000 or equivalent if the above-mentioned conditions are satisfied.
2. The Voucher is only applicable to the applications of the basic plan of the Eligible Life Insurance Plans below. Relevant Eligible Life Insurance Plans shall be reviewed from time to time. This webpage of Hong Kong Life shall prevail:
   
   • Wealth Accelerator (Premier) Multi-Currency Insurance Plan (2-Year/5-Year Pay)
   • Wealth Accelerator Multi-Currency Plan (2-Year/5-Year/10-Year Pay)
   • Monthly Harvest Savings Insurance Plan (5-Year Pay)
   • Family Care Dread Disease Protection Plan (10-Year/20-Year Pay)
   • Family Fortune Savings Insurance Plan (5-Year/10-Year Pay)
   • Perfect 10 Whole Life Protector
   • Vantage Medical Plan

3. For non-HKD policy currencies, the exchange rate below will be applied to determine its equivalent premium or premium discount amount, rounding off to the nearest integer:

   Policy Currency (to 1 unit of the currency)	AUD	CAD	EUR	GBP	NZD	RMB	SGD	USD
   Exchange Rate (HKD)	5	5	8	10	5	1.1111	5	8

   For example: HKD18,000 of Annualized First Year Premium is equivalent to AUD3,600 of Annualized First Year Premium.

4. The Validity Period of the Voucher is stamped on the front page of the Voucher.
5. The Voucher does not apply to any riders.
6. The amount of the First Year Premium Discount will be calculated in the currency under which the Eligible Life Insurance Plan is denominated.
7. Clients can pay the net premium (i.e. the premium after deducting the premium discount amount) when they submit the applications.
8. In case of any changes made by clients in the first policy year, which results in the requirement for the First Year Premium Discount not being fulfilled, Hong Kong Life reserves the right to disqualify such client's entitlement to the First Year Premium Discount and such client agrees to reimburse Hong Kong Life for the amount of the First Year Premium Discount already granted to such client upon request.
9. The Voucher is transferrable but it is not reusable. The Voucher is invalid if found defaced or damaged. Photocopies are not accepted.
10. Only one Voucher can be used with one application and each successful application can only enjoy the First Year Premium Discount of the Voucher once. If clients withdraw the application, withdraw the policy during the cooling off period or surrender the policy thereafter, the relevant Voucher will not be re-issued.
11. Unless otherwise stated, this Voucher can be enjoyed in conjunction with any other incentive(s) offered by Hong Kong Life.
12. The Voucher must be submitted to Hong Kong Life together with the application for an Eligible Life Insurance Plan.
13. In any event, the Voucher cannot be used as cash, redeemed for cash or other services or gifts.
14. Hong Kong Life reserves the right to change or cancel the Voucher and amend any Terms and Conditions of this Voucher at any time without giving any prior notice to clients or reason therefor. For the avoidance of doubt, the premium discount applicable to the relevant policy issued prior to such variation, suspension or cancellation of the Voucher will not be affected.
15. Clients should refer to the Product Section of Hong Kong Life website, the policy, proposal, product leaflet and any other relevant documents of Hong Kong Life's life insurance plans for relevant product information, contents, terms and conditions. This promotion describes the details of the premium discount only; it does not cover any coverage, exclusions, risk disclosure, contents, terms and conditions of the Eligible Life Insurance Plan(s). Clients should read, fully understand and accept the coverage, exclusions, risk disclosure, contents, terms and conditions of the policies and proposals before applying for any Eligible Life Insurance Plan(s) inclusive of the premium discount.
16. The Voucher and its relevant terms and conditions are applicable within the Hong Kong Special Administrative Region ("Hong Kong") only and governed by the laws of Hong Kong. The Hong Kong Courts have exclusive jurisdiction over any dispute arising out of or in connection with these Terms and Conditions.
17. If there is any discrepancy or inconsistency between the English version and the Chinese version of this Voucher, the English version shall prevail.
18. Hong Kong Life reserves the right of final decision in case of any dispute. 
    

Dispute on Selling Process and Product

Chong Hing Bank Limited, CMB Wing Lung Bank Limited, OCBC Bank (Hong Kong) Limited and Shanghai Commercial Bank Limited (collectively "Appointed Licensed Insurance Agencies" and each individually "Appointed Licensed Insurance Agency") are the Appointed Licensed Insurance Agency of Hong Kong Life, and the life insurance product is a product of Hong Kong Life but not the Appointed Licensed Insurance Agency. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Appointed Licensed Insurance Agency and the customer out of the selling process or processing of the related transaction, Appointed Licensed Insurance Agency is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the life insurance product should be resolved between Hong Kong Life and the customer directly.

Should you have any enquiry on the Voucher, please call our Customer Services Hotline at 2290 2882.