Star Legacy Private Wealth Whole Life Plan

Product Type : Life Insurance

Insurer : BOC Group Life Assurance Company Limited

Your success today is the result of years of accumulated hard work. While enjoying life, you, being honourable and prominent, should also plan for your wealth to create a brilliant future and pass on your achievements.

BOC Group Life Assurance Company Limited (“BOC Life”) deeply understands your farsightedness and presents Star Legacy Private Wealth Whole Life Plan (“the Plan”) exclusively for BOCHK Private Wealth customers. It provides you not only whole life insurance protection in different stages of your life, but also provides attractive potential returns1 to accumulate wealth for your retirement life and pass it on to your beloved ones. With the elaborative planning by a team of wealth management experts, you can unlock your wealth for composition of your success, create a flourishing future towards the prosperity of your family.

Note:  Please refer to the product leaflet for the details of the Plan (including the coverage, key risks, major exclusions, etc.).

Basic Eligibility Requirements
  Star Legacy Private Wealth Whole Life Plan - Classic Star Legacy Private Wealth Whole Life Plan - Elite
Underwriting Method Full underwriting  Simplified underwriting
Issue Age Age 0 (starting from 15 days after birth) to age 75 Age 18 to 55
Premium Payment Term 2 years (lump sum prepayment option available2)
Premium Payment Mode Annual / Semi-annual / Quarterly / Monthly
Coverage Period Whole life
Policy Currency USD
Minimum Sum Insured USD 500,000
Maximum Sum Insured No maximum Sum Insured, subject to underwriting USD 3,000,000



1. The  Plan is a participating policy. Nevertheless, Terminal Dividend (if any) is not guaranteed and may be changed from time to time. Past performance is not indicative of future performance. The actual amount received may be higher or lower than the estimated amount. BOC Life reserves the right to change them from time to time. Terminal Dividend For Surrender (if any) may be payable upon policy surrender. Terminal Dividend For Death (if any) may be payable upon the death of the Insured. The dividend scale of Terminal Dividend For Surrender and Terminal Dividend For Death are different. For details, please refer to the illustration summaries of the proposal, contact the branch staff of the major insurance agency or browse the following website

2.(i) Premium Deposit Account is only applicable to the policy with annual premium payment mode. The premium payable and Levy (if any) must be made in lump sum upon application whereas further pre-payment will not be accepted thereafter. (ii) If “Waiver Of Premium Rider” or “Payor’s Death Or Disability Rider” is attached to the policy, Premium Deposit Account is not applicable. (iii) Annual premiums and Levy (if any) will be deducted automatically from the Premium Deposit Account on each Policy Anniversary when due. The Premium Deposit Account balance (if any) should be sufficient to pay the entire amount of annual premiums and Levy (if any) of the policy, and cannot be used for partial settlement of annual premiums and/or Levy (if any). (iv) The Premium Deposit Account balance of Basic Plan (if any) is accumulated with BOC Life at a guaranteed accumulation interest rate. When the Premium Deposit Account balance (if any) is insufficient to pay the annual premium payable and/or Levy (if any), BOC Life will issue a payment notice and/or levy reminder to customer, and interest will not be accrued on the residual value. (v) If the Insured passes away, the Premium Deposit Account balance (if any) together with the Death Benefit will be payable to the Beneficiary. (vii) For details, please refer to the proposal and provisions issued by BOC Life.


Important Notes:

  • The Plan is underwritten by BOC Life. Bank of China (Hong Kong) Limited ("BOCHK") is the major insurance agency appointed by BOC Life (Insurance agency licence no. of BOCHK is FA2855).
  • BOC Life is authorised and regulated by the Insurance Authority to carry on long term insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
  • BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed Insured and the applicant at the time of application.
  • The Plan is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the Insured items and coverage, provisions and exclusions.
  • BOCHK is the appointed agent of the insurance company for distribution of life insurance products. The life insurance product is a product of the insurance company but not BOCHK.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly the insurance company and the customer.  

Important Notice:

This promotion 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 a solicitation of an offer or recommendation to purchase or sale or provision of any products of BOC Life outside Hong Kong. Please refer to the policy documents and provisions issued by BOC Life for details (including detailed terms, conditions, exclusions, policy costs and fees) of the Plan. For enquiry, please contact the branch staff of the major insurance agent banks.