Swiss Fortune (Premier) Universal Life Insurance Plan

Can wealth growth be both aggressive and stable? "Swiss Fortune (Premier) Universal Life Insurance Plan" ("Swiss Fortune (Premier)") uses diversified asset allocation—including commodities, bonds, derivatives and equities—to effectively spread risk. This helps reduce the impact of volatility in any single market on overall returns, supporting steady wealth growth and helping you achieve your financial goals.

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Why Swiss Fortune (Premier)?

Seizing upside opportunities while limiting downside riskEnjoy an uncapped crediting interest rate¹ for maximum growth combined with a minimum crediting interest rate¹to safeguard against market downturns.

Comprehensive legacy planning toolsOffer policy split option, change of life insured, appointment of contingent life insured, contingent policyholder and minor contingent policyholder to secure your legacy.

Special settlement arrangement [Rare-in-market²]Allows each beneficiary to withdraw his or her share of the remaining death benefit in a lump sum if the beneficiary experiences specified significant life events while receiving installments.

Legacy preservation over a centuryPolicy term up to 150 years for wealth inheritance.

Leaving a heartfelt message to your loved ones³
[First-in-market²]Express your love by leaving a heartfelt message for your loved ones through our online platform OneZurich.

Financial FlexibilityYou can choose from 7 currencies for benefit settlement. Enjoy a bank charge waiver once per policy year.

Remarks:

1. Crediting interest is not guaranteed and may even be zero.
2. As of Aug 31 2025, compared with savings insurance products provided by Hong Kong major insurance companies.
3. These services are administrative services provided in accordance with our prevailing internal guidelines. Please note that this service is not guaranteed, and we may, at our sole discretion, amend or terminate this service without notice in advance.

Important note: The product information in this website is for your reference only and does not constitute any part of the insurance contract. For full terms and conditions, please refer to the product brochure and policy provisions which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Life Insurance (Hong Kong) Limited reserves the right of final approval and decision on all matters.

How does the plan work?

Comprehensive plan for building a child's education fund and passive income for retirement

Kate, a marketing executive, wants to secure her daughter Emily's overseas education and her own retirement. Swiss Fortune (Premier) offers her the perfect solution-combining education savings with retirement benefits, so Kate can look to the future with confidence and extra peace of mind.

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Holistic approach to building long-term wealth and securing a brighter future for family

John, an entrepreneur, is focused on building a secure future for his two sons, Alex and Ben. With Swiss Fortune (Premier), he has found the ideal solution combining long-term asset growth with securing his family future.

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Frequently asked questions

Q1: What will affect the crediting interest rate?

Q2: What are the fees and charges for Swiss Fortune (Premier)?

Q3: What are the death benefit settlement options available, and can I select different options for my beneficiaries?

Q4: What is the special settlement arrangement? How can I opt for it?

Q5: What is heartfelt message and how can I manage the heartfelt message?

Q6: Who can view the heartfelt message I left on OneZurich customer portal?

Q7: Can I receive my payouts in a currency other than the policy currency (USD) for my oversea bank account?

Q8: How many policies can I split for my policy?

Q9: Where can I find historical crediting interest rate of this plan?

Q10: Where can I find information about crediting interest rate, fees and charges philosophy and the investment policy, objective and strategy of the plan?

Q11: Who can I approach if I am interested in understanding Swiss Fortune (Premier) Universal Life Insurance Plan?

Q1 answer:

The crediting interest rate will be determined based on the current earned return and exhibit fluctuation over time. Policyholders will receive the investment returns, after allowing for the costs incurred by, and profits attributable to the company in the form of crediting interest rate. For details, please refer to the product brochure.

What will affect the crediting interest rate?