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Preferential Interest Rate Promotion

Successfully apply for designated plans from 1 October to 31 December 2024 to enjoy a Preferential Premium Deposit Fund (“PDF”) interest rate of up to 4.8% p.a.* on the prepaid premium during the Premium Prepayment Period, on top of any prevailing customer promotion(s)~. For details, please visit here.


* The preferential PDF interest rate is not guaranteed. Generali Life (Hong Kong) Limited (the “Company”) reserves the right to revise the rates from time to time.
~ Prevailing customer promotion(s) refers to any customer promotions of designated plans off­ered concurrently at the time of the application of such plan. For details, please refer to the relevant promotion flyer.

LionPrima

LionPrima (the "Plan") is a long-term savings and participating life insurance plan underwritten by Generali Life (Hong Kong) Limited (the "Company"). The Plan allows you to grow wealth with potential returns as well as financial flexibility to accomplish your goals. 

Key Highlights:

High cash value when policy is issued

The Plan guarantees a cash value that could be as high as 88% of the premiums you paid when your policy is first issued2; the guaranteed value will grow along the policy years with an amount that equals to 100% of the Total Premiums Paid3, so you can enjoy the assurance of having protection on your capital.

Enhance your savings with growth opportunities through the provision of Terminal Dividend[1]

The Plan helps to grow your wealth with non-guaranteed Terminal Dividend1, which is available 1 year after the end of the Premium Payment Term and payable upon full or partial surrender, or termination of the policy (please refer to details set out in “Plan Summary” in brochure).

Flexible access to policy values, enabling you to realize your financial goals

The Plan offers you the following flexibility for managing your savings in the policy and cash flow to suit your personal needs.

Provide financial support in adverse situations

Your financial needs may change in response to unexpected events. The Plan will always support you with the following options.

Extra peace of mind with additional life protection and healthcare coverage

The Plan will always support you under different unforeseen circumstances to give you and your loved ones extra peace of mind. 

Plan ahead for unforeseen situations

Prepare for the future.

Remarks:

1. The Company will update you with the amount of Terminal Dividend (if any) at each Policy Anniversary on the respective anniversary statement. Terminal Dividend is non-guaranteed and the actual amount of Terminal Dividend payable will be determined at the Company’s absolute discretion when the Terminal Dividend Lock-in Option is exercised or when Terminal Dividend is payable (please refer to details set out in “Policy Summary” above).
 
2. This is only applicable to policies with a 2-year Premium Payment Term and premium prepayment. The amount of the cash value has included Guaranteed Cash Value as well as the amount of prepaid premium.
 
3. Total Premiums Paid refers to all premiums due and paid to the Company before the Expiry Date, excluding Substandard Premiums (if any) and premiums of any supplementary benefits.
 
4. Benefit Accumulation Account is available from the 2nd Policy Anniversary onwards. Subject to the Company’s approval and the prevailing administrative rules, you may apply for withdrawal from the Benefit Accumulation Account at any time by submitting a written request to the Company on the Company’s prescribed form.
 
5. After exercising Terminal Dividend Lock-in Option, any future Terminal Dividend will be adjusted correspondingly at a rate to be determined by the Company based on the Terminal Dividend which has been locked-in. For Regular Lock-in Option, you are required to apply and get the Company’s approval at least 2 months before the next Policy Anniversary. It will be effective upon the Company’s approval and the 1st lock-in will take place on the Policy Anniversary immediately after the approval date.  
 
6. The request for partial surrender is subject to the Company approval and meeting the requirement of minimum Notional Amount of the Policy as per the Company’s prevailing administrative rules which determined by the Company from time to time at its absolute discretion. Upon partial surrender, all policy values, including Guaranteed Cash Value, Terminal Dividend and Total Premiums Paid and Total Premiums for calculation of Benefits will be reduced proportionately. Subject to the Company’s approval and the prevailing administrative rules, you may exercise Regular Partial Surrender from the 3rd Policy Anniversary onwards. You may apply for the option of Regular Partial Surrender by submitting written request to the Company on the Company’s prescribed form and get the Company’s approval at least 2 months before the start of Regular Partial Surrender. The 1st Regular Partial Surrender will take place on the Policy Anniversary immediately after the approval date. Subject to the requirement of minimum Notional Amount of the Policy as per the Company's prevailing administrative rule, if the total surrender amount is not enough to pay the requested Regular Partial Surrender amount, Regular Partial Surrender will cease automatically.
 
7. To apply for the Extended Grace Period Option, you are required to submit a written request to the Company in prescribed form at least 1 month before the start date of the specified Grace Period. Once exercised, the 1st premium due on or immediately after the approval date of the request shall be paid on or before the last day of the Extended Grace Period. During the Extended Grace Period, the Policy will remain effective. However, premium will continue to accrue and any due and unpaid premiums during that 180 day period are required to be settled by the end of the Extended Grace Period. Please note, if you have prepaid the premium with sufficient amount to settle the premium due, this option will not be applicable. On the date when no more premium payment is required under the Policy or when this option has been exercised, whichever is earlier, Extended Grace Period Option shall automatically terminate.
 
8. The start date of the Premium Holiday must be on the Policy Anniversary. To apply for the Premium Holiday Option, you are required to submit a written request to the Company on the Company’s prescribed form at least 1 month before the start of the Premium Holiday. 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. Please note, this option is only applicable to any policies that select 8 years for Premium Payment Term. The Premium Holiday Option shall automatically terminate on the occurrence of the earliest of (i) the aggregate period of Premium Holiday taken is equal to 2 years; (ii) on the date the Basic Plan is paid up; and (iii) the Policy Anniversary at which the Insured attains age 70.
 
9. Total Premiums refer to all premiums paid and payable to the Company before the Expiry Date excluding any substandard premiums and premiums of any supplementary benefits.
 
10. Once (i) the Critical Illness Premium Refund Benefit become payable or (ii) the Policy Anniversary falling on or immediately after age 80 of the Insured, or (iii) the Guaranteed Cash Value equals to Total Premiums Paid, whichever is the earliest, the Critical Illness Premium Refund Benefit shall automatically terminate.
 
11. Once the Surrender Benefit or Critical Illness Premium Refund Benefit (as the case may be) becomes payable under Contingent Recipient Option, the Policy shall automatically terminate.
 
12. A person who is incapable, by reason of mental incapacity, of managing and administering their property and affairs. The diagnosis must be confirmed by a Registered Medical Practitioner who is a psychiatric specialist. The Company reserves the right to conduct an independent evaluation of the Insured whenever deemed necessary to ascertain the diagnosis.
 
13. The default option for the Death Benefit Option is Lump Sum Payment. You can apply to change this option before the death of the Insured, subject to the Company’s prevailing administrative rules. Please refer to Policy Provisions for details.
 
14. The application of Change of Insured option is subject to the Company’s prevailing administrative rules and the following requirements:
·      The Insured and 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; and
·      The new Insured must be younger than the existing Insured or below age 75.
 The application of Policy Continuation option is subject to the Company’s prevailing administrative rules and the following requirements:
·      There is only 1 beneficiary before the death of the existing Insured;
·      The beneficiary must be alive at the time of the Legacy Planning Option is exercised; and
·      The beneficiary must be younger than the existing Insured or below age 75.
If the existing Insured and the Policyholder is the same person, upon the death of the existing Insured, the beneficiary will be the new Policyholder at the same time. Please refer to the terms and conditions in the Policy Provisions for details of the Legacy Planning Option.


The Plan is underwritten by Generali Life (Hong Kong) Limited. This Plan may serve as standalone plan(s) without bundling with other type(s) of insurance product. You are required to read the relevant product brochure, the Policy Provisions and the proposals presented by your Insurance Advisers or the Company’s Representatives in order to fully understand the details of the definitions, charges, product features, exclusions, and conditions of payment of claims, etc. plus complete terms and conditions.

LionAchiever


LionAchiever, a long-term savings and participating life insurance plan underwritten by Generali, offers high potential returns with financial protection. The Plan also supports great flexibility in managing your wealth, legacy planning options to meet your specific financial needs as well as financial planning for unforeseen situations. No matter how many years lie ahead, the Plan will support you in achieving your dream at every stage of your journey. 

LionTycoon Beyond 2


LionTycoon Beyond 2 is a long-term savings and participating life insurance plan underwritten by Generali Life (Hong Kong) Limited. The plan helps you to grow your wealth, provides flexibility and ease for you to create a legacy for your future generations. 

LionPromise Pro


Choose a savings insurance plan with guaranteed monthly annuity payment until age 100. Build a solid financial foundation for your retirement and make your dream life a reality.

Enjoy up to 8% of the 1st Policy Year’s premium refund until 31 December 2024