Enrich your future with glorious fulfillment

Glorious Fortune (Single Premium) not only provides life protection for enjoying peace of mind and also wealth accumulation opportunity. The plan also offers flexible death benefit settlement arrangements catering to your particular wishes.

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Disclaimer: The features above are indicative only. Please refer to the Product Brochure for details. For a complete explanation of the terms and conditions, please call our 24-hour Service Hotline at +852 3123 3123.


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  1. While the policy is inforce, annual dividend (if any) may be payable annually on each policy anniversary. The available options for receiving the annual dividend (if any) are: (a) Pay in cash; or (b) Retain in the policy to accumulate and earn interest (if any) (default option). The interest rate is not guaranteed and is determined by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”) from time to time at its absolute discretion. Policy owner can withdraw the accumulated annual dividends and interest (if any) at anytime. Accumulated annual dividends and interest (if any) will be payable when the surrender benefit of the policy is paid and the death benefit of this policy is paid. Please refer to the product brochure or the following website for dividend/ bonus declaration philosophy and investment strategy:

    https://www.fwd.com.hk/en/regulatory-disclosures/dividend-bonus-declaration-philosophy/

  2. While the policy is inforce, any special bonus /partial special bonus (as appropriate) may be payable from the 3rd policy anniversary when: (a) the death benefit of this policy is paid; or (b) the partial surrender benefit of the policy is paid ; or (c) the surrender benefit of the policy is paid; or (d) the policy is lapsed as the outstanding policy loan amounts (including interest) are equal to or greater than the total cash value* excluding special bonus (if any) of the policy provided that the policy will not be reinstated within one year reinstatement period. (* Total cash value is guaranteed cash value, plus unpaid accumulated annual dividends and interest (if any) plus special bonus (if any)). Please refer to the product brochure or the following website for dividend/ bonus declaration philosophy and investment strategy

    https://www.fwd.com.hk/en/regulatory-disclosures/dividend-bonus-declaration-philosophy/

  3. Policy owner can choose the death benefit settlement option for the payment of death benefit (in the form of a lump sum payment, regular installment (annually/monthly), or a mix of both) while the insured is alive and the policy is in effect, subject to FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The default payment option is lump sum payment. For settlement option other than lump sum payment, the unpaid amount of death benefit will be deposited with FWD to accumulate non-guaranteed interest (if any) until the full amount of death benefit is paid to the beneficiary. The interest (if any) on unpaid balance of the death benefit will be accumulated and paid to the beneficiary in the last installment in lump sum. Such balance do not participate in the fund or benefit from its profit. Selection of death benefit settlement option is subject to current applicable rule and procedures and may change from time to time.

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