Multi-Plus Savings Insurance Plan (the "Plan") is a life insurance and savings plan. By paying the premium for just 3 years, you can enjoy 18 years of life protection and enjoy the result of your fruitful savings. The flexible features of this plan can help you realize your financial goals with ease during different life stages.

• Guaranteed Cash Coupon
  Guaranteed cash coupons will be paid on the 8^th, 11^th and 14^th policy anniversaries.

  Guaranteed cash coupon (% of 1st Year’s Premium)	Policy Anniversary
  	8th	11th	14th
  	8%	11%	14%

  
  
• Guaranteed Maturity Bonus
  Guaranteed maturity bonus (equal to 18% of the first year’s premium) will be paid upon policy maturity.
  
  
• Terminal Dividend
  Terminal dividend (if any) may be payable on or after the 8^th policy anniversary upon policy surrender, the death of the insured or policy maturity.
  
  
• Annual Dividend¹
  Annual dividends (if any) may be payable from the 3^rd policy year to 18^th policy year. You can select to withdraw the annual dividends (if any) or to accumulate it into your policy for interest accumulation.
  
  
• Special Dividend²
  To meet your changing financial needs, you may need to surrender your policy before the maturity. If you select to surrender the policy on the 5^th policy anniversary, a special dividend (if any) may be payable.

1. Annual dividend for the 3^rd policy year (if any) may be payable on the 3^rd policy anniversary after the first three years’ premiums are paid. Annual dividends, special dividend, terminal dividend, accumulated dividends and dividend accumulation rate are neither guaranteed nor an estimated value for future years. The actual amount may be greater or smaller than the estimated amount. BOC Group Life Assurance Company Limited (“BOCG Life”) reserves the right to change from time to time.
2. In the event of surrender of the policy on the 5^th policy anniversary and provided that a written notice of surrender is received by BOCG Life within 30 days from the 5^th policy anniversary, a special dividend may be payable once. Special dividend is not guaranteed.
3. If only the premiums of the first year or the first two years are paid, the policy will continue to be in force automatically as a paid-up non-participating policy (i.e. the premium paid will be used to calculate the guaranteed cash value, death benefit, additional accidental death benefit and maturity payment, but annual dividend, special dividend, terminal dividend, guaranteed cash coupon, guaranteed maturity bonus and interest will not be payable) and mature at the end of the 8^th policy year.
4. If the insured is covered by one or more policies under Multi-Plus Savings Insurance Plan issued by BOCG Life, (i) the total maximum amount of the death benefit of all these policies shall be equal to 100% of the total premiums paid of all such policies as at the date of death or 100% of the guaranteed cash value of all such policies as at the date of death, (whichever is higher) plus HK$80,000 (HKD policy)/US$10,000 (USD policy)/CNY80,000 (CNY policy), plus accumulated guaranteed cash coupons and their interest (if any), terminal dividend (if any), accumulated annual dividends and their interest (if any) and guaranteed maturity bonus (if any), less any indebtedness (if any); and (ii) BOCG Life shall only pay the amount in (i) once for all such policies.
5. The additional accidental death benefit is applicable to the insured who is aged 18 to 60 at the time of policy issue and has an accident before the 3rd policy anniversary which is the sole cause of, and within 180 days results in the death of the insured. If the insured is covered by one or more policies under the Multi-Plus Savings Insurance Plan issued by BOCG Life, (i) the total maximum amount of the additional accidental death benefit of all these policies shall be equal to HK$200,000 (HKD policy)/US$25,000 (USD policy)/CNY200,000 (CNY policy); and (ii) BOCG Life shall only pay the amount in (i) once for all such policies.
6. The relevant services are provided by Inter Partner Assistance Hong Kong Limited in accordance with the Conditions for Services pursuant to "Life Insurance Supplementary Emergency Assistance Services and Benefits". The services are not guaranteed for renewal, BOCG Life reserves the right to withhold or amend the said services at its sole discretion. With effect from 1 March 2013, the local telecommunication service provider will cease all international operator-assisted call services, including collect calls (calls paid by call recipient). The collect call service of the 24-hour Worldwide Emergency Assistance Services provided by Inter Partner Assistance Hong Kong Limited will no longer be available starting from the same date in this regard. The relevant telephone numbers, terms and conditions of the services shall remain unchanged.

• Multi-Plus Savings Insurance Plan ("the Plan") is underwritten by BOCG Life.
• The Plan is a participating policy. Nevertheless, annual dividends, special dividend, terminal dividend, accumulated dividends and dividend accumulation rate are neither guaranteed nor estimated values for future years. BOCG Life reserves the right to change from time to time.
• The exchange rate between Renminbi and Hong Kong Dollar in respect of Renminbi denominated policies under the Plan will be the market-based prevailing exchange rate determined by BOCG Life from time to time, which may not be the same as the spot rate of the bank.
• BOCG Life reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
• Bank of China (Hong Kong) Limited is one of the insurance agents of BOCG Life.

Renminbi is currently not freely convertible and conversion of Renminbi through banks in Hong Kong is subject to certain restrictions. For instance, the conversion of Renminbi is subject to a daily limit per person per day.