| 1. | Closed policy year
已结算之保险年度 |
| 2. | Life insurance benefit is not payable if the insured person commits suicide within the first policy year ， whether sane or insane
在保单生效一年内，不论在神志清醒或不清醒的情况下自杀身亡，将不获身故赔偿。 |
| 3. | 6 . all the premium bonus credited to the relevant dividend account can only be withdrawn after 24 months from the policy year date
6 .所有拨入红利积存帐户之保费回赠奖赏金额只可于保单生效日期起计第24个月以后方可提取 |
| 4. | If any withdrawal is made in a particular year in the first 10 policy years , the deferral bonus for that year and all future deferral bonus of all the years thereafter will be forfeited
如在首十个保单年度内作出任何提取，该年及往后年份的奖金均会被取消。 |
| 5. | Switching out is subject to the minimum switch per fund . there are 10 free switches per policy year . subsequent switches will be charged according to the policy terms and conditions
每一基金最低转换受到限制，每年有十次免费的基金转换，其后之基金转换费用请参阅保单条款及细则 |
| 6. | On every 5th policy year up to age 80 , if the market value of your portfolio is higher than your current total withdrawal benefit , we will increase your guaranteed withdrawal benefit
直至80岁或之前的每五个保单年结，如您投资组合的市值高于当时的保证提取总额，您的保证提取总额将可获提升。 |
| 7. | Once the original manufacturer s warrant expires , extended warranty protection takes effect . each platinum credit card account is allowed a maximum of hk 150 , 000 worth of cover per policy year
延长保养服务在原厂制造商的保养期届满后即时生效每年度每一会员账户保障总额为港币150 , 000 ，而每件商品最高保额为港币40 , 000 。 |
| 8. | A distinguishing feature of the premier new generation planner is a guaranteed cash payment for the child s use with five per cent of the sum insured payable at policy years 8 , 11 , 14 and 17 ; and 30 per cent at year 20
卓越新世代保障计划其中一个独特之处是于保单生效后第八十一十四及十七年为小朋友提供相等于投保额百分之五的保证现金储备，及第二十年提供相等于投保额的百分之三十的保证现金储备。 |
| 9. | Once the original manufacturer s warrant expires , extended warranty protection takes effect . each platinum card account is allowed a maximum of hk 150 , 000 worth of cover per policy year . the warranty covers the cost of labor and parts used to repair any breakdown or malfunction covered by the terms of the original warranty
延长保养服务在原厂制造商的保养期届满后即时生效每年度每一会员账户保障总额为hk 150 , 000 ，而每件商品最高保额为hk 40 , 000 。 |
