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Life Gala Insurance Plan
Enable your family to embrace change and celebrate life with a plan that protects their future
You are on a life journey that will no doubt lead you to many positive changes, like achieving financial independence and starting a family. And this means you’ll have more to protect over time. But potential challenges may also lie ahead, such as involuntary unemployment. All these changes will affect how you prioritize the things that are important to you.
The plan provides a death benefit with potential appreciation from non-guaranteed annual dividend and special bonus. And if the insured is highly likely to pass away due to an illness within 12 months, as certified by a registered medical specialist, an advanced death benefit will be immediately payable.
By exercising the Life Celebration Booster Option, you can top up your coverage when the insured reaches different milestones on or before the insured’s age 55 (age next birthday) without having to provide evidence of insurability.
If you become involuntarily unemployed, you can apply for the unemployment benefit to extend the grace period to a maximum of 365 days (inclusive of the original 30 days grace period) from the next premium due date.
You can choose to pay for the plan with a single payment or over 5, 10 or 20 years to suit your financial priorities.
For greater legacy planning flexibility, the plan offers different death benefit settlement options to support the financial arrangements you make for your family.
Life Gala Insurance Plan is an eligible life insurance plan under Policy Reverse Mortgage Programme (“PRMP”), providing you with a new financial planning option to secure a stream of steady cash flow for a carefree retirement. For further information, please refer to The Hong Kong Mortgage Corporation Limited website: www.hkmc.com.hk.
Helpful notes
- Age refers to the age of the insured on their next birthday.
The product information here is for reference only and doesn’t contain the full terms and conditions, key product risks and exclusions. For more details and key product risks, please refer to the product brochure. For the exact terms and conditions and a full list of exclusions, please refer to the policy provisions of the plan.
This product is underwritten by FWD Life Insurance Company (Bermuda) Limited ("FWD Life/ FWD"). FWD Financial Limited is an appointed and licensed insurance agency of FWD Life.