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The rates of return mentioned by intermediaries and policy description documents are only assumptions and are not guaranteed returns; the actual investment performance of the policy may rise or fall, and the account value may fluctuate significantly.
If the policyholder chooses to surrender or withdraw money from the policy at the initial stage or before the specified term, the costs involved may be very high, or may result in a heavy loss of premiums paid, so it may not be suitable for people with liquidity needs in the short or medium term.
If the investment options chosen by the policy decline in value, the policyholder may not be able to get back the full premium paid.
The underwriting insurance company will impose gambling data singapore different fees and charges on the unit-linked life insurance policy, so the overall return of the policy will be lower than directly investing in the "underlying or reference fund"
The policy or related investments may be denominated in currencies other than Hong Kong dollars, so the investment returns of the policy may involve exchange risks.
Pure life insurance may be better for you
If you purely want cost-effective life protection, term life (pure life) products without savings and investment components may be more suitable for you. Bowtie life insurance can provide a lump sum payment to the beneficiary when the insured person dies. Its features include: