LionHarvest Pro Deferred Annuity

LionHarvest Pro Deferred Annuity (the “Plan”) is a Qualifying Deferred Annuity Policy certified by the Insurance Authority1. With 5 or 10 years of premium payment, the Plan assists you in retirement planning with stream of Monthly Annuity Income2 and various protection coverage. Extra financial flexibility can be attained through the options of Monthly Annuity Income2 payout, premium holiday3 and change in Annuity Income Period Start Age4.

1. The Insurance Authority certification is not a recommendation or endorsement of the policy, nor does it guarantee the commercial merit of the policy or its performance. It does not mean that the policy is suitable for all Policyholders, nor is it an endorsement of its suitability for any particular Policyholder or class of Policyholders. The policy has been certified by the Insurance Authority but this certification does not imply official recommendation. The Insurance Authority does not take any responsibility for the content of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the content of the product brochure of the policy.

2. Monthly Annuity Income comprises of Guaranteed Monthly Annuity Income and Non-guaranteed Monthly Annuity Income (if any) which will be paid on monthly basis during the Annuity Income Period. The Non-guaranteed Monthly Annuity Income can be adjusted on each Policy Monthiversary and the actual amount during the Annuity Income Period may vary. The amount of Non-guaranteed Monthly Annuity Income will be determined based on the Company’s dividend philosophy. You may choose to cash out the Monthly Annuity Income and/or keep the Monthly Annuity Income in the Policy for interest accumulation at an interest rate which is not guaranteed and shall be determined by the Company from time to time at its absolute discretion. If no option is elected, cash out option will be applied to the payment of Monthly Annuity Income.

3. Premium Holiday Option can be exercised from the 2nd Policy Anniversary and before the Insured has attained age 70. Policyholder is required to submit written request to the Company in the Company’s prescribed form at least 1 month before start date of the premium holiday, i.e. 1st day of the next Policy Year. Any Indebtedness must be repaid before the Premium Holiday is effective. Upon the start of the Premium Holiday, all supplementary benefit(s) (if any) attached to the Policy will be terminated. The total Premium Holiday taken in aggregate cannot exceed 2 years. Please note, this option is not applicable to any policies that select premium prepayment.

4. The Policyholder may change the Annuity Income Period Start Age with a written request at least 1 month before the original Annuity Income Period Start Date or the new Annuity Income Period Start Date (whichever is earlier). The Annuity Income Period Start Age must be after the premium term and between age 50 and 80. This option is only available for policies with 10-year Premium Term. In case of change in Annuity Income Period Start Age, Policy Values (including but not limited to Guaranteed Cash Value, Monthly Annuity Income and Maturity Bonus) will be adjusted accordingly.

The Plan is offered by Generali Life (Hong Kong) Limited.

Remarks: All information on this webpage is for reference only. Terms and conditions apply. Please refer to the product brochure and Policy Provisions for details of terms and conditions, risk disclosures of the Plan.


10 Life 5 Star Rated

QDAP - Retirement

10 Life 5 Star Rated

QDAP - Savings

Bloomberg Businessweek

Outstanding Performance - Life & Wealth Management Insurance (Product/Service)

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