证监会

与投资有关的人寿保险计划的退保说明文件式样

保险公司必须就所推出的投资相连寿险计划,因应个投资者的特定情况提供退保说明文件。你须细阅退保说明文件及签名以示明白内容,才签署申请认购有关计划。

退保说明文件以某些假设回报率作为基础,列出投保人在参与计划首五年内的每年年终时,以及其后每五年直至计划到期时退保,在扣除一切相关费用后,预计可取回的退保发还金额。

大家要留意:说明文件中的回报率只属假设性质,与实际回报率或会有差异。

退保说明文件并非旨在预测投资相连寿险计划可提供的回报,而是要显示根据某些假设回报率,投资者在被扣除费用后,将会获发还的退保金额。中介人在销售投资相连寿险计划的过程中,必须向作为准客户的你解释清楚有关的收费结构。你须在退保说明文件上签名,以示明白文件的内容。

退保说明文件范本: [式样一 ]  [式样二]

如果想更深入了解投资相连寿险计划,请参阅钱家有道专题介绍

 

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