Swiss Fortune Universal Life Plan | Zurich Life Insurance (HK) Limited

Why Swiss Fortune?

Wealth accumulation to meet your wealth accumulation goalsSwiss Fortune offers crediting interest¹ and loyalty bonus² to help accumulating your wealth to meet your financial goals.

Flexible premium paymentThe change of regular premiums and premium holiday³ option provide you with extra financial flexibility.

Life protection & death benefit settlement option to safeguard your familySwiss Fortune provides death benefit and death benefit settlement option which offers financial assistance to loved ones when unfortunate happened to life insured.

Inherit your wealth with your loved ones with up to 150 years policy termChange of life insured option and assignment of contingent life insured option help you pass on your wealth to whom matters most of you.

Policy split option to help you pass on your wealthThe policy split option allows you to transfer certain account value and notional amount from your policy (“Original Policy”) to a new policy(ies) (“Split Policy(ies)”) .

Withdraw cash flexibly to fulfil your changing needsTo address your changing needs in the future, Swiss Fortune offers two options of withdrawals to cater your needs.

Remarks:

1. The crediting interest rate is not guaranteed and may even be zero. It is determined by Zurich from time to time.
2. The loyalty bonus rate is a fixed rate. For detailed information on loyalty bonus rate, please refer to the Product Brochure.
3. Exercising premium holiday may lower the account value, which is used to calculate the loyalty bonus, surrender value and death benefit.

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 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 for you?

Helping you to realize a fulfilling retirement life and secure your family's future.

Rebecca is a young professional, married with no children. She wants to grow her wealth and plan for her retirement. Also, she wants to secure her husband’s financial future even if she passes away. So, Rebecca purchases Swiss Fortune and nominates her husband as the beneficiary.

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Passing on wealth and love from generation to generation.

Peter is married and is welcoming a newborn one-month old daughter Fiona. Peter is looking for a savings plan with flexibility in arranging his legacy and he wants to prepare a long-term wealth accumulations solution to Fiona. Therefore, Peter purchases Swiss Fortune to meet his financial goal.

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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?

Q3: Can beneficiary change the death benefit settlement option?

Q4: How many policies can I split for my policy?

Q5: Where can I find historical crediting interest rate of this plan?

Q6: Where can I find information about crediting interest rate, fees and charges philosophy?

Q7: What is the investment policy, objective and strategy?

Q8: Who can I approach if I am interested in understanding Swiss Fortune Universal Life 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?

Award-winning life insurance product from Bloomberg. Swiss Fortune Universal Life Plan receives well-deserved recognition!

With its innovative life insurance products and flexible wealth management concepts, Zurich has been awarded the prestigious “Life & Wealth Management Insurance - Excellence Performance” in the Bloomberg Businessweek Financial Institutions Awards for three consecutive years.

This webpage is issued by Zurich Life Insurance (Hong Kong) Limited.

Zurich Life Insurance (Hong Kong) Limited (a company incorporated in Hong Kong with limited liability)

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