Prosperity for life
and beyond

Managing your wealth means not just letting it grow, but making it last. And the best way to extend all that you have accomplished is to turn it into a legacy that will endure not just a lifetime but into future generations. MaxFocus Infinity Insurance Plan is a targeted wealth management tool designed to give you higher potential return in the long run, so that you will have the financial capabilities to realize your new ambitions to come, and achieve your vision of securing a legacy of prosperity for your family that will stand the test of time.

3 Reasons To Buy

Other Features

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MaxFocus Infinity Insurance Plan - Legacy Planning

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Waiver of Premium on Death Benefit (Parents) Rider & Waiver of Premium on Death Benefit (Spouse) Rider (Optional Benefit)

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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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  • I have read and understood the Personal Information Collection Statement and agree to be bound by it. 
  • I understand that my personal data collected by FWD Life Insurance Company (Bermuda) Limited (“FWD Life”) will be used to provide further services in relation to this form.
  1. While the policy is in force, annual dividend (non-guaranteed) will be payable annually from the 3rd policy anniversary and based on FWD Life Insurance Company (Bermuda) Limited ("FWD")'s current scales of investment return which are non-guaranteed. The options are available as a) pay in cash or b) retain in the policy to accumulate and earn interest (default option). The interest rate is not guaranteed and is determined by FWD from time to time at its absolute discretion. Policy owner can withdraw the accumulated annual dividends with interest (if any) at anytime. Accumulated annual dividends with interest (if any) will be payable upon surrender of the policy, the death of the insured or maturity of the policy. 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 in force, special bonus (non-guaranteed) will be payable based on FWD’s current scales of investment return which are non-guaranteed and from the 3rd policy anniversary when any following situation occur : upon the death of the insured (only applicable when guaranteed cash value plus special bonus (if any) is higher than 100% of total premiums paid); partial surrender of the policy (including using the regular withdrawal service); surrender of the policy; maturity of the policy; exercising the special bonus lock-in option ; or at the end of the one year reinstatement period if the policy lapses and is not reinstated within the period. 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. To make application for a deposit to the premium deposit account, a completed and signed prescribed form should be submitted to FWD. The form can be obtained from your advisor or from FWD. Please refer to your advisor or FWD for more information of the premium deposit account.
  4. You can apply for the regular withdrawal service by written application after the policy has been paid-up and while the policy is still in effect. When the application is approved, the selected withdrawal amount will be directly credited to the designated account of policy owner. The minimum monthly withdrawal amount is HKD 1,000 / USD125, and the maximum annual withdrawal amount is 5% of the policy value, which may be determined in FWD’s sole discretion from time to time. Any amount withdrawn will be taken from the accumulated annual dividends and interest (if any). If there is not enough value in the accumulated annual dividends and interest (if any), the withdrawal will be taken from the guaranteed cash value and special bonus (if any) as a partial surrender and the notional amount will be reduced. The guaranteed cash value, future non-guaranteed annual dividend and special bonus, as well as your death benefit, will be reduced accordingly. If you exercise the regular withdrawal service in early policy years, the amount withdrawn together with the policy values remained in the policy may be considerably less than the total amount of the premiums you paid. We will terminate the regular withdrawal service if the notional amount after the withdrawal is below the minimum amount prescribed by FWD. If you apply for regular withdrawal service and exercise special bonus lock-in option within the same policy year, the special bonus will first be converted as part of accumulated annual dividends.
  5. After the end of 1st policy year and the insured is alive, you can apply in writing to change the insured. Any change to the insured must fulfill FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. Any change of the insured will not have any effect on the notional amount, total cash value, guaranteed cash value, special bonus (if any), annual dividend and interest (if any) or policy years. The age of new proposed insured should fulfill the issue age (age next birthday) requirement, i.e. age 1-75 (2 years and 5 years premium payment terms) or age 1-70 (10 years premium payment term). The new insured must have an insurable interest with the policy owner. All riders (if any) will be cancelled after insured is changed and no riders can be attached afterwards.
  6. During the premium holiday, the annual dividend will not be paid while any accumulated annual dividends and interest (if any) remained in the policy will continue to earn interest (if any). The guaranteed cash value, special bonus (non-guaranteed which is subject to the latest bonus scales determined by us) and notional amount will be remained unchanged and equal to the amount immediately before premium holiday takes effect provided that there is no partial surrender during the premium holiday period. To apply for premium holiday, you should submit your request within 60 calendar days before the policy anniversary in our prescribed form to suspend paying premiums for a specified period. Once the premium holiday request is approved, any rider(s) attached to the policy will be automatically terminated and no riders can be attached afterwards. In the event of policy owner is diagnosed with one of the covered illnesses (cancer, heart attack or stroke), policy owner can provide the prescribed form and the medical certificate completed by the attending registered doctor to us to apply 1 year extended premium holiday period. For detailed terms and conditions, definition of covered illnesses and the relevant exclusions, please refer to the policy provisions.
  7. Automatic lock-in option allows you to convert a certain amount of special bonus, equal to 10% of total premiums paid, into annual dividend. Once your request has been approved, the lock-in value of special bonus will be automatically converted on each policy anniversary. The automatic lock-in option will be suspended immediately when the balance of special bonus on the policy year is less than 10% of total premiums paid. Such percentage may be changed by us in our sole discretion from time to time. If you request to surrender the policy partially after you have exercised automatic lock-in option, FWD will automatically suspend the automatic lock-in option. You are required to submit a new request in writing to resume the automatic lock-in option. For details, please refer to the policy provisions.
  8. You can apply to convert a specified percentage of special bonus (“lock-in percentage”) into annual dividend provided that the annual minimum and maximum lock-in percentage must not be less than 10% and must not exceed 70% respectively. This option can only be exercised once every policy year and on the policy anniversary. The annual minimum and maximum lock-in percentage may be determined in FWD’s sole discretion from time to time. For details, please refer to the policy provisions.
  9. The lock-in value is a lump sum which will be formed part of accumulated annual dividend to accumulate interest (if any) thereafter or cash out. Lock-in value shall not be less than the minimum amount of USD 100 / HKD800, which may be changed by us in our sole discretion from time to time. Once automatic lock-in option or flexi lock-in option has been exercised, the lock-in value will not be allowed to be reversed back to special bonus, and no change between options is allowed. The special bonus as at the relevant policy year and any special bonus which the company may distribute for subsequent policy years will be lowered due to conversion of special bonus to annual dividend exercised.
  10. Family accidental death benefit shall be terminated if one claim has been made under each policy. The payable amount of family accidental death benefit is subject to a maximum of USD100,000 / HKD800,000 per same insured life of all MaxFocus Achiever Insurance Plan and MaxFocus Infinity Insurance Plan policies with us. Direct family member(s) of the insured means the spouse of the insured and / or the children of the insured. For details, please refer to the policy provisions.
  11. Outstanding Performance Award
    • Outstanding Performance Award can be claimed while the policy have been in force for more than 10 months till the policy anniversary immediately preceding the 25th birthday of the insured and the insured is at age 18 or below (age next birthday) as on the commencement date of the policy and named in the policy schedule is alive.
    • Outstanding Performance Award will be payable if the policy owner makes a request for the payment of one of the Outstanding Performance Awards with our receipt of satisfactory documentary proof in achieving any of the specified criteria of the respective academic achievements (please refer to the summary table of Outstanding Performance Awards in product brochure for details) till the policy anniversary immediately preceding the 25th birthday of the insured.
    • To make a claim on Outstanding Performance Awards, the policy owner must submit designated forms together with the document proof within 60 days from the issue date of such document proof, we may also request any other information and documents, subject to our applicable rules and procedures at that time.
    • Outstanding Performance Awards are subject to FWD’s applicable rules and procedures and may change the terms and conditions from time to time. The currency of this award will be in Hong Kong Dollars regardless of the policy currency of the policy, and will be payable in HKD cheque only.
  12. Baby Bonus
    • Baby Bonus can be claimed while the policy has been in force for more than 10 months and the insured is above age 18 (age next birthday) as on the commencement date of the policy and named in the policy schedule is alive.
    • Baby Bonus will be payable if the policy owner makes a request for the claiming Baby Bonus within 60 days of the birth of the insured’s biological child with our receipt of satisfactory documentary proof.
    • This bonus will be paid for once even if more than one child is born at the same time and subject to a maximum of once per policy and per same insured life of all policies with us. Once this bonus becomes payable or change of insured option has been exercised, the Baby Bonus will be terminated.
    • Baby Bonus is subject to our applicable rules and procedures and may change the terms and conditions from time to time. The currency of this bonus will be in Hong Kong Dollars regardless of the policy currency of the policy, and will be payable in HKD cheque only.
  13. Any nomination of the contingent insured must fulfill FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The age of the contingent insured at application should fulfill the issue age requirement. Only one person can be named as the contingent insured each time. The contingent insured must have an insurable interest with the policy owner. Upon the death of the insured, the contingent insured will become the insured provided that the policy has been in effect for over 1 policy year, and subject to FWD’s approval based on relevant policies and procedures as determined in FWD’s sole discretion from time to time. The contingent insured should be alive and fulfill the issue age requirement and have an insurable interest with the policy owner upon FWD’s approval. All riders (if any) will be cancelled after insured is changed and no riders can be attached afterwards.
  14. Any nomination of the contingent policy owner must fulfill FWD’s relevant policies and procedures as determined in FWD’s sole discretion from time to time. The age of the contingent policy owner at application should be higher than the minimum age FWD accepted. Only one person can be named as the contingent policy owner each time. Upon the death of the initial policy owner, the contingent policy owner will become the policy owner subject to FWD’s approval based on relevant policies and procedures as determined in FWD’s sole discretion from time to time and that the contingent policy owner is alive.

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