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1 traditional life fortune protector life insurance

2 Achieve your aspiration with ease of mind While you strive to get the best for your family, you need a protection solution that safeguards their financial comfort. The Fortune Protector Life Insurance ( Fortune Protector or this Plan ) is designed to provide guaranteed life protection and stable growth of savings with level premium. Highlights Fortune Protector provides stable guaranteed cash value accumulation regardless of investment market performance Enhancement of returns with reversionary bonus 1 and terminal bonus 1 Various premium payment terms at your choice Life protection to safeguard your loved ones Fortune Protector is a life protection plan that provides life coverage up to age In the unfortunate event that the insured passes away, the designated beneficiary will receive a death benefit which is equal to: the basic sum insured + + face value of reversionary bonus 1 (if any) face value of terminal bonus 1 (if any) any indebtedness and any outstanding premiums with interest (if applicable) 1

3 Embrace the future with guaranteed cash value Fortune Protector offers guaranteed cash value regardless of the investment market performance upon surrender or maturity of the policy, enabling you to head towards your goals confidently. Additional returns from reversionary bonus 1 and terminal bonus 1 You can benefit from the non-guaranteed reversionary bonus and terminal bonus after the policy has been in-force for 3 years or more. Reversionary Bonus Non-guaranteed before declaration. Declared annually. Both its face value and cash value are guaranteed once declared. Terminal Bonus Not guaranteed and does not form a permanent addition to the policy. It may be reduced or increased at subsequent declarations. Any face value of reversionary bonus and/or terminal bonus will only be payable together with the basic sum insured upon the death of the insured. When the policy is surrendered or matured, only the cash value of any reversionary bonus and/or terminal bonus will be payable. Reversionary Bonus Terminal Bonus Death of the Insured Face value Face value Policy Surrender/Policy Maturity Cash value Cash value To understand more about reversionary bonus and terminal bonus, please refer to the Participating Policy Fact Sheet of Fortune Protector at our website Access to your money You may have specific financial needs at different life stages. With Fortune Protector, you are free to withdraw any declared reversionary bonus once it has a cash value 3. Besides, you may also apply for a policy loan 4 from the accumulated guaranteed cash value and the cash value of declared reversionary bonus in the case of an emergency. If you choose to reduce your basic sum insured 5 to address your financial needs, cash value of the reduced portion of the basic sum insured and cash value(s) of its corresponding reversionary bonus (if any) and/or terminal bonus (if any), less any indebtedness, will be paid to you. Better financial planning with fixed premiums This Plan offers you a variety of premium payment terms with a minimum of 10 years. The level premiums allow you to manage your budget easier. Supplementary protection You can also combine Fortune Protector with a wide range of supplementary benefits, such as accident, major illness and medical protection for your personal needs. 2

4 Fortune Protector Life Insurance at a glance Life Protection Coverage Period Up to age Premium Payment Term 10 years 15 years 20 years Up to age Issue Age Age 0 65 Age 0 60 Age 0 55 Age Payment Mode Monthly, semi-annual or annual Premium Structure Level throughout the premium payment term Minimum Basic Sum Insured Below age 45 : HKD120,000 / USD15,000 Age 45 or above : HKD80,000 / USD10,000 Death benefit is equivalent to: basic sum insured; plus Life Protection face value of reversionary bonus 1 (if any); plus face value of terminal bonus 1 (if any); minus any indebtedness and any outstanding premiums with interest (if applicable) Guaranteed Cash Value Payable upon surrender or maturity of the policy To be declared after the policy has been in-force for 3 years or more Reversionary bonus 1 Non-guaranteed before declaration Non-guaranteed Bonuses Declared annually. Both its face value and cash value are guaranteed once declared Terminal bonus 1 Non-guaranteed It does not form a permanent addition to the policy, and may be reduced or increased at subsequent declarations Remarks: 1. Reversionary bonus and terminal bonus are not guaranteed and will be determined by the Company from time to time based on the past investment performance of and future investment outlook for underlying assets supporting relevant insurance policies, as well as other factors such as experience and outlook of expenses, claims and/or policy persistency. 2. The policy will automatically terminate on the policy anniversary on or immediately following the insured s 100 th birthday. 3. Such request is subject to the Company s approval. Upon withdrawal of reversionary bonus, the cash value of reversionary bonus and cash value(s) of its corresponding terminal bonus (which is derived from the reversionary bonus) will be payable. The withdrawal of the reversionary bonus reduces the long-term value of the policy. 4. Such request is subject to the Company s approval. Interest will be charged on policy loans. We shall have the absolute discretion to determine or change the interest rate from time to time. If the policy loans and interest are not repaid, they will be deducted from any benefits payable under the policy. 5. Such request is subject to the Company s approval. After deduction of the basic sum insured, the cash value and the benefits payable under the policy will be adjusted and reduced accordingly. Note: Unless otherwise specified, all ages mentioned in this leaflet refer to the age of the insured on his or her last birthday. 3

5 U.S. Foreign Account Tax Compliance Act Under the U.S. Foreign Account Tax Compliance Act ( FATCA ), a foreign financial institution ( FFI ) is required to report to the U.S. Internal Revenue Service ( IRS ) certain information on U.S. persons that hold accounts with that FFI outside the U.S. and to obtain their consent to the FFI passing that information to the IRS. An FFI which does not sign or agree to comply with the requirements of an agreement with the IRS ( FFI Agreement ) in respect of FATCA and/or who is not otherwise exempt from doing so (referred to as a nonparticipating FFI ) will face a 30% withholding tax ( FATCA Withholding Tax ) on all withholdable payments (as defined under FATCA) derived from U.S. sources (initially including dividends, interest and certain derivative payments). The U.S. and Hong Kong have signed an inter-governmental agreement ( IGA ) to facilitate compliance by FFIs in Hong Kong with FATCA and which creates a framework for Hong Kong FFIs to rely on streamlined due diligence procedures to (i) identify U.S. indicia, (ii) seek consent for disclosure from its U.S. policyholders and (iii) report relevant tax information of those policyholders to the IRS. FATCA applies to the Company and this Policy. The Company is a participating FFI. The Company is committed to complying with FATCA. To do so, the Company requires you to: (i) provide to the Company certain information including, as applicable, your U.S. identification details (e.g. name, address, the US federal taxpayer identifying numbers, etc); and (ii) consent to the Company reporting this information and your account information (such as account balances, interest and dividend income and withdrawals) to the IRS. If you fail to comply with these obligations (being a Non-Compliant Accountholder ), the Company is required to report aggregate information of account balances, payment amounts and number of non-consenting US accounts to IRS. The Company could, in certain circumstances, be required to impose FATCA Withholding Tax on payments made to, or which it makes from, your Policy. Currently the only circumstances in which the Company may be required to do so are: (i) if the Inland Revenue Department of Hong Kong fails to exchange information with the IRS under IGA (and the relevant tax information exchange agreement between Hong Kong and the U.S.), in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your Policy and remit this to the IRS; and (ii) if you are (or any other account holder is) a nonparticipating FFI, in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your Policy and remit this to the IRS. You should seek independent professional advice on the impact FATCA may have on you or your Policy. This Plan is underwritten by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) ( AXA, the Company, or we ). This Plan is subject to the terms, conditions and exclusions of the relevant policy contracts. AXA reserves the final right to approve any application subject to the Company s underwriting requirements. This leaflet contains general information only and does not constitute any contract between any other parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the Plan, please refer to the relevant policy contracts. ABOUT AXA HONG KONG AXA Hong Kong, a member of the AXA Group, prides itself of serving over 1 million customers 1 in Hong Kong and Macau. Besides being one of the largest health protection providers in Hong Kong, it is also the number 1 General Insurance provider 2 and a market leader in motor insurance. AXA Hong Kong is committed to helping its customers achieve stability and prosperity through providing a comprehensive range of life, health, property and casualty protection, as well as wealth management and retirement solutions. We believe it is our inherent responsibility to support the communities we operate in, hence creating a sustainable business via constant and considerable contribution in the dimensions of health, environment and the community. 1 Including customers of AXA China Region Insurance Company Limited, AXA China Region Trustees Limited and AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) 2 Based on 2013 Office of the Commissioner of Insurance market share statistics LMKG AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) Suite , 16/F, Tower One, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong Tel: (852) Fax: (852) Website: If you do not wish to receive promotional or direct marketing materials from AXA, please inform Data Privacy Officer, AXA China Region Insurance Company (Bermuda) Limited, Suite , 16/F, Tower One, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong. AXA shall, without charge to you, ensure that you are not included in future direct marketing activities. (Only for use in Hong Kong Special Administrative Region) March 2015

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