Comprehensive Protection for Your Beautiful Life
By providing you with lifetime protection and savings, this comprehensive financial arrangement can well prepare you for achieving different goals in your life, just like a lucky star shining your way to a glorious and better future. 

• No matter how market fluctuates, you are guaranteed to receive 12% of the sum insured on the 5th policy anniversary and every 3-year thereafter up until the insured's age of 100.
• You can choose to leave the cash coupons with us to earn interest, or withdraw in cash to achieve your goals in different stages of life. 
• The withdrawal of cash coupons will not affect the sum insured of the policy. 
  

• During the coverage period, annual cash dividends* will be distributed as extra rewards. 
• The dividends may be left with us to earn interest, used to reduce the premium due, withdrawn in cash or used as a net single premium to purchase paid-up insurance. 

*The dividend accruing on the first policy anniversary will be credited only after the full second policy year's premium has been paid.  Cash dividend is not guaranteed.

• You can enjoy the lifetime protection until the insured's age reaches 100.
• In the event of the insured's death during the term of the policy, the beneficiary will be entitled to an amount equal to the sum insured, any accumulated dividend and cash coupon on deposit.

• You can enjoy a free 24-hour Worldwide Emergency Assistance Services#. 

#The services and benefits are provided by Inter Partner Assistance HK Ltd in accordance with the "Supplementary Emergency Assistance Services and Benefits".  BOCG LIFE reserves the right to cancel or alter the said services and benefits. 

• The premium you pay for the lifetime protection plan is fixed and guaranteed not to change during the policy term, so you can plan ahead with confidence. 

• Optional benefit riders are also available to enhance your protection.

Entry Age	12 to 70
Minimum Sum Insured	HKD50,000 or USD6,250
Coverage Period	Until the insured's age reaches 100
Premium Payment Period	Same as coverage period

"Lucky Star" Life Endowment Plan is underwritten by BOCG Life which is authorized by the Commissioner of Insurance of the HKSAR.  Bank of China (Hong Kong) Limited is one of its major agents.

The above information is for reference only.  Please refer to the policy for detailed terms and conditions.