Swiss Fortune Universal Life Plan

Do you want to grow your wealth while balancing risk exposure? Do you want to create a lasting legacy as a gift for your loved ones? Swiss Fortune Universal Life Plan (“Swiss Fortune”) won life insurance award from Bloomberg and is here to meet your wealth management need while providing flexibility to suit your financial needs.

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Why Swiss Fortune?

Wealth accumulation to meet your wealth accumulation goals

Swiss Fortune offers crediting interest¹ and loyalty bonus¹ to help accumulating your wealth to meet your financial goals.

Flexible premium payment

The change of regular premiums and premium holiday² option provide you with extra financial flexibility.

Life protection & death benefit settlement option to safeguard your family

Swiss 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 term

Change 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 wealth

The 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 needs

To address your changing needs in the future, Swiss Fortune offers two options of withdrawals to cater your needs.

Remarks:

Crediting interest and loyalty bonus is not guaranteed and may even be zero.
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?

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

What will affect the crediting interest rate?
What are the fees and charges for Swiss Fortune?
Can beneficiary change the death benefit settlement option?
How many policies can I split for my policy?
Where can I find historical crediting interest rate of this plan?
Where can I find information about crediting interest rate, fees and charges philosophy?
What is the investment policy, objective and strategy?
Who can I approach if I am interested in understanding Swiss Fortune Universal Life Plan?

What will affect the crediting interest rate?

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 are the fees and charges for Swiss Fortune?

It has policy administration fee, premium charge (only applicable to policy with monthly premium payment frequency), yearly management charge, partial and withdrawal charge and surrender charge. For details, please refer to the product brochure.
Can beneficiary change the death benefit settlement option?

The death benefit settlement option can be applied by policyholder only, beneficary(ies) does not have the right to change the death benefit settlement option.
How many policies can I split for my policy?

There is no limit on the number of policy can be split of a policy, however, application for policy split option is subject to our administrative rules and approval by us.
Where can I find historical crediting interest rate of this plan?

You may refer to the website below to view the historical crediting interest rates of the plan.
https://www.zurich.com.hk/en/crediting-interest-rate
Where can I find information about crediting interest rate, fees and charges philosophy?

You may refer to the website below to understand the crediting interest rate, fees and charges philosophy.
https://www.zurich.com.hk/en/crediting-interest-rate
What is the investment policy, objective and strategy?

The investment policy aims to achieve the targeted long-term investment results, taking into account of risk control, diversification, liquidity and relationship between assets/liabilities.
The investment objective is to provide policyholder the upside return potential of equity market whilst limit the downside risk from traditional equity investment. The strategy utilizes a mixture of fixed income and equity-like investments to achieve this objective and is designed to profit from a moderate rise in equities.
Our current long-term target asset mix attributed to Swiss Fortune is as follows:
Asset class Target asset mix
(% of market value)
Bonds and other fixed income assets 50% to 100%
Equity-like assets 0% to 50%

For details, please refer to the product brochure.
Who can I approach if I am interested in understanding Swiss Fortune Universal Life Plan?

For more information about Swiss Fortune Universal Life Plan, please fill in this online form. We will contact you shortly. You may also contact our Customer Care Hotline at:
Tel.：+852 2968 2383
Monday to Friday: 9:00 a.m. - 5:30 p.m. (except public holidays)

Asset class	Target asset mix (% of market value)
Bonds and other fixed income assets	50% to 100%
Equity-like assets	0% to 50%

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.