今は日本居住者受け入れ停止なので買えませんが、８月１７日にFUBON香港から新商品「Fortune Bright Saver」というのがリリースされました。
商品的にはSUNLIFE香港のVISIONみたいな感じです。
５年払い（前納オプションあり）
最初の５年はNominated Amount（５年払い総額の90％程度）に対して年3％、それ以降は年2％の保証キャッシュクーポンが最初の加入者が110歳になるまで毎年出て、さらに6年目以降は非保証の配当と10年目以降には解約時のみ発生する非保証のターミナルボーナスが発生する。
SUNLIFE香港のVISIONと似たクーポン商品だが、支払総額に対してクーポンが％で発生するのではなく、それよりやや少ないNominated Amountに対してであるので実質は3％、2％よりも低くなることに注意が必要だ。
We are pleased to announce that a brand new product, Fortune Bright Saver will be launched on 17 August 2020.
Key Benefits at a Glance:
Guaranteed Income Stream: Guaranteed Cash Coupon payable up to age 110 of the Initial Insured Person. Guaranteed Cash Coupon rate is equivalent to 3% of the Nominated Amount for the first 5 policy years and 2% for the subsequent years.
Potential Return For Wealth Accumulation: Apart from the guaranteed Cash Coupon, the Plan will provide non-guaranteed Annual Dividends from the 6th Policy Anniversary and also a nonguaranteed Terminal Dividend on the 10th Policy Anniversary.
Multigenerational Wealth Management: The Plan provides unlimited options to change Insured Person from the 1st Policy Anniversary and during the lifetime of the Insured Person. The Policyowner can also designate a Contingent Insured Person and a Successor Owner in advance to ensure the Policy can provide sustaining value for the family and even the future generations.
Life Protection: Equivalent to the higher of (i) Guaranteed Cash Value; or (ii) 101% of the difference between the total premiums paid and due and the Cash Coupon paid, together with any accumulated Cash Coupons, accumulated Dividends and net of any indebtedness, will be paid to the Beneficiary if the Insured Person passes away and there is no Contingent Insured Person being designated.
Benefit Settlement Options: The Policyowner can opt for paying out the death benefit, surrender benefit and maturity benefit in lump sum or by instalments.