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?
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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.
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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.
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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.
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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.
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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
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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
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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.
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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 contact our Customer Care Hotline at +852 2968 2383.