IMPORTANT RISK WARNING:
The investment-linked funds / investment options (collectively “Investment Options”) are available for SFC-authorized investment-linked assurance plans* (“the Plans”) issued by FWD Life (Hong Kong) Limited (the “Company”). Your investments are therefore subject to the credit risks of the Company.
The premiums paid by you towards the policy will become part of the assets of the Company. You do not have any rights or ownership over any of those assets or the notional units of the underlying funds. Your recourse is against the Company only.
Return on investments under the Plans is determined by the Company with reference to the performance of the underlying funds which corresponds to the Investment Options selected by you.
Return on investments under the Plans will be subject to the fees and charges of the Plans and may be lower than the return of the corresponding SFC-authorized funds.
Early surrender, partial withdrawal, reduction or suspension of basic premium may result in a significant loss of principal and bonus awarded. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible.
Investment involves risks. The Investment Options available under the Plans can have very different features and risk profiles. Some may be of high risk.
Please note the following relating to life benefit and the cost of insurance (applicable to Insight Investment-linked Plan and Messier Investment-linked Plan only):
(a) Part of the fees and 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 benefit.
(b) The cost of insurance will reduce the amount that may be applied towards investment in the underlying funds corresponding to the Investment Options selected.
(c) The cost of insurance may increase significantly during the term of your policy due to factors such as the attained age of insured person and investment losses, etc. This may result in significant or even total loss of your premiums paid.
(d) If the value of your policy becomes insufficient to cover all the ongoing fees and charges, including the cost of insurance, your policy may be terminated early and you could lose all your premiums paid and benefits.
(e) You should consult your intermediary for details, such as how the charges may increase and could impact the value of your policy.
The investment returns of your policy may be subject to foreign exchange risks as some of the assets or investments held by the underlying funds may be denominated in a currency which is different from that of your policy.
You should not invest based on information on this webpage only and should also read the offering documents of the Plans and the offering documents of the underlying funds. The offering documents of the underlying funds are made available by the Company upon request.
*These Plans issued by FWD Life (Hong Kong) Limited are as follows. These Plans are closed for new applications and are no longer marketed to the public.
- SmartLink Plus Protection Plan
- Full Rich Investlink Protection Plan
- Full Rich Plus Investlink Protection Plan
- Venture Investment-linked Plan
- Insight Investment-linked Plan
- Messier Investment-linked Plan
This webpage is issued by FWD Life (Hong Kong) Limited.