證監會

與投資有關的人壽保險計劃的退保說明文件式樣

保險公司必須就所推出的投資相連壽險計劃,因應個投資者的特定情況提供退保說明文件。你須細閱退保說明文件及簽名以示明白內容,才簽署申請認購有關計劃。

退保說明文件以某些假設回報率作為基礎,列出投保人在參與計劃首五年內的每年年終時,以及其後每五年直至計劃到期時退保,在扣除一切相關費用後,預計可取回的退保發還金額。

大家要留意:說明文件中的回報率只屬假設性質,與實際回報率或會有差異。

退保說明文件並非旨在預測投資相連壽險計劃可提供的回報,而是要顯示根據某些假設回報率,投資者在被扣除費用後,將會獲發還的退保金額。中介人在銷售投資相連壽險計劃的過程中,必須向作為準客戶的你解釋清楚有關的收費結構。你須在退保說明文件上簽名,以示明白文件的內容。

退保說明文件範本: [式樣一 ]  [式樣二]

如果想更深入了解投資相連壽險計劃,請參閱投資者教育中心專題介紹

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