Investment Options Information

Important Risk Warning Statements
  1. Ultra+ Single Premium Investment Plan (“WLPS3”), Partner Investment Select Plan (“PIS”), Infinite - Regular Premium Investment Plan (“WLPR2”), Ultra - Single Premium Investment Plan (“WLPS2”), WealthLink Investment (“WLS”), WealthLink Investment II (“WLR”), WealthLink Investment Pro – Regular Premium (“WLPR”) and WealthLink Investment Pro - Single Premium (“WLPS”), WealthMaster Variable Universal Life (“WMVUL”) (“your Policy” or the “Policy”, collectively the “Plans”) are investment-linked assurance schemes, which are long term life insurance policies issued by Chubb Life Insurance Hong Kong Limited (the “Company”). Your investments are therefore subject to the credit risks of the Company.
  2. PIS, WLPR2, WLPS2, WLS, WLR, WLPR, WLPS and WMVUL are not available for policy applications and cannot continue to be marketed to the public in Hong Kong.
  3. The Plans are not a bank deposit or bank savings product. All premiums you pay towards your Policy, and any investment made by the Company in the underlying funds of 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.
  4. The premium(s) received from you will be invested by the Company into the underlying funds corresponding to the investment options as selected by you for our asset liability management. Units of each investment option allocated to your Policy are notional and solely for the purpose of determining the account value of your Policy.
  5. Return on investment under your Policy will be calculated by the Company with reference to the performance of the underlying funds of 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.
  6. Due to the various fees and charges levied under the Plans by the Company, the return on investment under your Policy as a whole may be lower than the return of the underlying funds of the investment options you selected.
  7. Although your Policy is a life insurance policy, because your death benefit is linked to the performance of the underlying funds of your selected investment options from time to time, your death benefit is subject to investment risks and market fluctuations. The death benefit payable may be significantly less than your premiums paid and may not be sufficient for your individual needs.
  8. The Plans are designed to be held for a long term period. Early termination, surrender or partial withdrawal of your Policy is subject to surrender charge (applicable to WLPS3, WLPR2, WLPS2, WLS, WLPR, WLPS and WMVUL) and may result in a significant loss of principal, and bonus entitlement (if any) of your 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 corresponding to the investment options may further magnify your investment losses, while all fees and charges are still deductible.
  9. The Plans are subject to a surrender charge (if applicable). It is only suitable for investors who are prepared to hold the investment for a long term period.
  10. The investment options available under the Plans can have very different features and risk profiles. Some may be of high risk. Investment option with an asterisk “*” next to its name as shown in the Investment Options Brochure of WLPS3 aims to distribute dividend on a regular basis. Underlying funds available under WLPS3 are also listed in its Investment Options Brochure.
  11. Investment involves risks. You should not purchase the Plan(s) unless you understand the Plan(s) and the Plan(s) has been explained to you how it is suitable for you. The final decision is yours.
  12. You should not invest based on this website alone. You should read the Principal Brochure of the Plans and the offering documents of the underlying funds which are available from us free of charge upon request.
  13. (Applicable to WLPS3) You should note that any partial withdrawal may reduce the account value of your Policy. Once the account value drops to zero or below, your Policy will be terminated upon the expiry of a grace period of 31 calendar days and you may lose a substantial portion of your investments and all the benefits (including life insurance coverage).
  14. (Applicable to WLPS3) If you are not prepared to hold your Policy for at least 5 policy years, WLPS3 is not suitable for you and it may be cheaper to purchase an insurance policy and make separate fund investments. You should seek independent professional advice.
  15. (Applicable to WLPS3, WLPR2 and WLPS2) When selecting investment options with the aim to distribute dividend on a regular basis, please note:
    1. 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.
    2. The dividend payout, dividend payout amount, payout frequency and dividend rate of the underlying fund(s) are not guaranteed. The amount of dividend payout is in no way an indication, a forecast or a projection of dividend to be paid in future.
    3. The investment options that aim to distribute dividend on a regular basis may (i) reduce the account value of your Policy, (ii) lead to the reduction of loyalty bonus (applicable to WLPS3), (iii) reduce the death benefit payable, and (iv) lead to the Policy termination when the account value is insufficient to cover the relevant Policy fees and charges.
    4. 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.
    5. 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.
    6. The Company may amend the distribution policy subject to regulator(s)' prior approval and by giving not less than one month's prior notice.
    7. 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.
  16. (Applicable to PIS, WLPR2 and WMVUL) More importantly, you should be aware of the following regarding your death benefit and the cost of insurance:
    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. You should consult your intermediary for details, such as how the charges may increase and could impact the value of your policy.

     Issuer: Chubb Life Insurance Hong Kong Limited
 

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