核保与行政指引英文(21页).pdf
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Index
Part 1-Applying for the Universal Life
1.1 Eligibility
1.2 New Business Requirements
1.3 Underwriting Requirements
1.3.1 Medical Requirements
1.3.2 Financial Requirements
1.3.3 Residency Requirements
1.3.4 Avocation Requirements
1.3.5 Underwriting Classification Criteria
1.4 Premium Financing
Part 2- Administration of the Universal Life
2.1 Premiums
2.2 Policy Anniversary
2.3 Loan and Withdrawals
2.4 Interest Crediting and Cost of Insurance Rates
2.5 Policy Changes
2.6 Reinstatement
2.7 Claims
Part 1 - Applying for Universal Life
1.1 Eligibility
Eligible for Life Insured possess Investable
Assets not less than HKD 1 million. Investable
assets include cash and bank accounts plus
securities and investment accounts that can be
readily converted into cash. Random financial
check will be conducted by requesting solid
proof from client.
1.2 New Business Requirements
The following are required forms and documentation
for Universal Life application. The forms
are available on the High Net Worth Section
of Manulife’s website for distributors.
1. Completed Application Form
2. Signed proposal
3. Proof of identity on both Life Insured
and Policyowner. Must be copy of Hong Kong or
Macau ID card or passport.
4. Residential Address Proof of Policy
Owner (e.g. copy of bank statement , utility bills in last
3 months
5. Payment Instruction Form (ASC8) –
applicable to payment by cheque, not applicable if
payment by Telegraphic Transfer (TT)
6. One monthly Early Lapse Protection Premium.
(If the Policy Year Date is prior to the issue
date, please submit an additional monthly Early
Lapse Protection Premium for each month
from the Policy Year Date to the issue date).
Payment will only be accepted by cheque or
payment by wire (telegraphic) service drawn from
a Hong Kong or Macau bank account of
the policyowner only. No additional premium will
be accepted until the policy has been
issued.
Part 1-Applying for the Universal Life
1.1 Eligibility
1.2 New Business Requirements
1.3 Underwriting Requirements
1.3.1 Medical Requirements
1.3.2 Financial Requirements
1.3.3 Residency Requirements
1.3.4 Avocation Requirements
1.3.5 Underwriting Classification Criteria
1.4 Premium Financing
Part 2- Administration of the Universal Life
2.1 Premiums
2.2 Policy Anniversary
2.3 Loan and Withdrawals
2.4 Interest Crediting and Cost of Insurance Rates
2.5 Policy Changes
2.6 Reinstatement
2.7 Claims
Part 1 - Applying for Universal Life
1.1 Eligibility
Eligible for Life Insured possess Investable
Assets not less than HKD 1 million. Investable
assets include cash and bank accounts plus
securities and investment accounts that can be
readily converted into cash. Random financial
check will be conducted by requesting solid
proof from client.
1.2 New Business Requirements
The following are required forms and documentation
for Universal Life application. The forms
are available on the High Net Worth Section
of Manulife’s website for distributors.
1. Completed Application Form
2. Signed proposal
3. Proof of identity on both Life Insured
and Policyowner. Must be copy of Hong Kong or
Macau ID card or passport.
4. Residential Address Proof of Policy
Owner (e.g. copy of bank statement , utility bills in last
3 months
5. Payment Instruction Form (ASC8) –
applicable to payment by cheque, not applicable if
payment by Telegraphic Transfer (TT)
6. One monthly Early Lapse Protection Premium.
(If the Policy Year Date is prior to the issue
date, please submit an additional monthly Early
Lapse Protection Premium for each month
from the Policy Year Date to the issue date).
Payment will only be accepted by cheque or
payment by wire (telegraphic) service drawn from
a Hong Kong or Macau bank account of
the policyowner only. No additional premium will
be accepted until the policy has been
issued.