Participating Policies
What are the features of participating policies?
A participating policy has four main features:
- Guaranteed Death Benefit
- Guaranteed Cash Value for loan or upon surrender
- Non-guaranteed Annual Dividend or Bonus declared and distributed by FWD every year
- Guaranteed coupons* at designated years
How will the dividend be distributed by FWD Life HK?
In the declaration of non-guaranteed annual dividends, maturity bonuses or other non-guaranteed bonuses, FWD will consider the past historical experience including investment yields, expenses, claims experience and the investment outlook as pertaining to economic conditions in order to devise supportable bonus scales. FWD will take an active approach in managing and monitoring company's experience and has the right to adjust dividend or bonus amounts at any time if necessary.
* Only applicable to designated in-force plans that provide coupons
Product Enquiry Hotline
223 95559
Provided by
Bank of Communications
Bank of Communications
Policy Service Hotline
3123 3123
Provided by FWD
What's New
