IncomeGrowth Annuity Insurance Plan (“the Plan”) provides you with both life insurance and savings. By paying premium for just 2 years, you are entitled to 12 years of life protection with Guaranteed Annuity Payments payable annually from the 1^st policy anniversary onwards. The Plan can help you realize your financial goals at different life stages with ease.

Act Now! Don’t miss out this opportunity!

Enquiry Hotline: (852) 3988 2388
Website: www.bochk.com

Remarks/Disclaimers:

1. Guaranteed Annuity Payments will be payable for 12 consecutive policy anniversaries while the policy is in-force. To be eligible for receiving Guaranteed Annuity Payments annually at every policy anniversary, the customer has to pay the premium payable in full in the first 2 policy years. If the annual premium payable for the 2^nd policy year is not paid before the end of the grace period, the policy will be terminated. Customer will receive the Guaranteed Cash Value as at the end of the 1^st policy year.
2. The annual interest rates for accumulation of Guaranteed Annuity Payments are not guaranteed. BOCG Life reserves the right to change them from time to time.
3. RMB and USD policies are subject to exchange rate risk. The exchange rate between RMB and HKD or USD and HKD may rise as well as fall. Therefore, if calculated in HKD, premiums, fees and charges (where applicable), account value/ surrender value and other benefits payable under RMB or USD policy will vary with the exchange rate. The exchange rate between RMB and HKD or USD and HKD 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 banks. The fluctuation in exchange rate may result in losses if a customer chooses to pay premiums in HKD, or requests the insurer to pay the account value/ surrender value or other benefits payable in HKD, for RMB or USD policy. RMB is currently not fully freely convertible. Hong Kong residents conduct conversion of RMB through bank accounts are subject to a daily limit and they should allow time for exchange of RMB from/ to another currency of a RMB amount exceeding the daily limit. Non-Hong Kong Residents (i.e. individuals who are not holders of Hong Kong Identity Card) that intend to conduct conversion of RMB through the banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decision at that moment.
4. If the Insured is covered by more than one policy under the Plan, the total maximum amount of the death benefit of all these policies shall be equal to the higher of 100% of the Net Premiums Paid⁵ or 100% of the Guaranteed Cash Value of all such policies as at the date of the Insured’s death, plus i) RMB80,000 (RMB policy)/HKD80,000 (HKD policy)/USD10,000 (USD policy) (if the Insured is covered by all policies denominated in the same currency under the Plan) or ii) the highest of RMB80,000/HKD80,000/USD10,000 (if the Insured is covered by all applicable policies denominated in different currencies under the Plan at the same time), plus any accumulated Guaranteed Annuity Payments with any interest accrued on them according to the applicable policy currency under all such policies. BOCG Life shall only pay the said total maximum amount once for all such policies.
5. Net Premiums Paid means total premiums paid less all Guaranteed Annuity Payments cashed out and/or left for accumulation (excluding any interest accrued on them) as at the date of the Insured’s death.
6. 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 and the accident is the sole cause of, and within 180 days results in the death of the Insured. If the Insured is covered by more than one policy under the Plan, the total maximum amount of the additional accidental death benefit of all these policies shall be equal to i) RMB200,000 (RMB policy)/ HKD200,000 (HKD policy)/USD25,000 (USD policy) (if the Insured is covered by all policies denominated in the same currency under the Plan), or ii) the highest of RMB200,000/HKD200,000/USD25,000 (if the Insured is covered by all applicable policies denominated in different currencies under the Plan at the same time). BOCG Life shall only pay the said total maximum amount once for all such policies.
7. The application of RMB policy with Sum Insured of RMB5,000,000 or above will be subject to financial underwriting decision by BOCG Life.
8. The relevant services are provided by Inter Partner Assistance Hong Kong Limited in accordance with the applicable terms and conditions. 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.
9. For prepaid premium, partial or full withdrawal during the premium payment period may be subject to withdrawal fee.

• The Plan is underwritten by BOCG Life.
• 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 (“BOCHK”) is one of the insurance agents of BOCG Life.

In case of any inconsistencies between the Chinese version and the English version of this promotional material, the English version shall prevail.

This promotional material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or solicitation to buy or provision of any products of BOCG Life outside Hong Kong. Please refer to the policy provisions issued by BOCG Life for details (including detailed terms, conditions and exclusions).