Investment Options Information

Important Risk Warning Statements
  • Our investment-linked assurance schemes, namely Infinite - Regular Premium Investment Plan, Ultra - Single Premium Investment Plan, WealthMaster Variable Universal Life, Partner Investment Select Plan, WealthLink Investment, WealthLink Investment II, WealthLink Investment Pro - Regular Premium and WealthLink Investment Pro - Single Premium (collectively the "Products") are long term insurance policies issued by Chubb Life Insurance Hong Kong Limited (the "Company"). Your investments are therefore subject to the credit risks of the Company.
  • Infinite - Regular Premium Investment Plan, Ultra - Single Premium Investment Plan, WealthMaster Variable Universal Life, Partner Investment Select Plan, WealthLink Investment, WealthLink Investment II, WealthLink Investment Pro - Regular Premium and WealthLink Investment Pro - Single Premium are not available for policy applications and cannot continue to be marketed to the public in Hong Kong.
  • Units of investment options allocated to your policy are notional and solely for the purpose of determining the account value of your policy. All premiums you pay towards your policy, and any investment made by the Company in the underlying funds linked to the investment options you selected, will become and remain the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
  • Return on investment under your policy will be calculated by the Company with reference to the performance of the underlying funds linked to the investment options you selected. As the return of your policy is contingent upon the performance of the underlying funds, there is a risk of loss of principal.
  • Due to the various fees and charges levied under the respective Products by the Company, the return on investment under your policy as a whole may be lower than the return of the underlying funds linked to the investment options you selected.
  • Although your policy is a life insurance policy, because part of your death benefit is linked to the performance of the underlying funds linked to your selected investment options from time to time, your death benefit is subject to investment risks and market fluctuations. The death benefit payable may not be sufficient for your individual needs.
  • More importantly, in respect of Infinite - Regular Premium Investment Plan, WealthMaster Variable Universal Life and Partner Investment Select Plan, you should be aware of the following regarding your death benefit and the cost of insurance:
    • Part of the ongoing charges you pay that will be deducted from the value of your policy will be used to cover the cost of insurance for the life coverage and any additional coverage (if applicable) you may choose.
    • The cost of insurance will reduce the amount that may be applied towards investment in the underlying funds linked to the investment options you selected.
    • The cost of insurance may increase significantly during the term of your policy due to factors such as insured's age and investment losses, etc. This may result in significant or even total loss of your premiums paid.
    • If the value of your policy becomes insufficient to cover all the ongoing fees and charges, your policy will be terminated early and you could lose all your premiums paid and benefits.
    • You should consult your intermediary for details, such as how the charges may increase and could impact the value of your policy.
  • The Products are designed to be held for a long term period. Early surrender or partial withdrawal of the policy/ suspension of or reduction in premium may result in a significant loss of principal and bonuses awarded (if any). Poor performance of the underlying funds may further magnify your investment losses, while all charges are still deductible.
  • The investment options available under each of the respective Products can have very different features and risk profiles. Some may be of high risk.
  • Investment involves risk. You should not purchase the Product(s) unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
  • You should not invest based on this website alone. You should read the Principal Brochure of the Product(s) and the offering documents of the underlying funds which are available from us free of charge upon request.
  • Dividend received from the underlying fund (if any) corresponding to an investment option will be paid out to you if you hold the notional Unit(s) of that investment option on the record date. The record date and frequency of dividend payout of an investment option will be the same as the corresponding underlying fund.
    • The dividend payout, dividend payout amount, payout frequency and dividend rate of the Underlying Fund(s) are not guaranteed.
    • Subject to the sole discretion of the management company or investment manager, the Underlying Fund(s) may pay dividends out of capital of the Underlying Fund which amounts to a return or withdrawal of part of the original investment or from any capital gains attributable to that original investment. Any distributions involving payment of dividends out of capital of the Underlying Fund, or effectively out of capital of the Underlying Fund, may result in an immediate reduction of the net asset value per unit of the Underlying Fund, which may adversely affect the price of the Investment Option.
    • By receiving dividend in cash as opposed to receiving it in notional Units of the Investment Option will lead to reduction in the Policy Value of your policy and death benefit payable.
    • The dividend record of the Investment Options, which declare dividends, and the dividend composition information of the Underlying Fund for the last 12 months are available from the Company upon request and at the Company’s website.
    • The Company may amend the distribution policy subject to regulator(s)’ prior approval and by giving not less than one month’s prior notice.
    • You should not select Investment Option(s) which declare(s) dividends and/or cash payment options to receive eligible dividends unless you understand it and it has been explained to you how it is suitable for you.

Issuer: Chubb Life Insurance Hong Kong Limited

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