Insurance Long Term Agreement Template for Hong Kong

1. Investment Components: For investment-linked policies, details of investment options and risks

2. Supplementary Benefits: Additional coverage options such as critical illness or disability benefits

3. Policy Loans: Terms for borrowing against the policy value, if applicable

4. Surrender Values: Terms for early surrender and associated values

5. Participation in Profits: For participating policies, terms of profit sharing

6. Foreign Currency Provisions: For policies denominated in foreign currencies

7. Digital Communications: Terms for electronic policy administration and communications

1. Schedule 1: Premium Schedule: Detailed breakdown of premium payments and due dates

2. Schedule 2: Benefit Schedule: Detailed description of benefits and coverage amounts

3. Schedule 3: Investment Options: List of available investment options for investment-linked policies

4. Schedule 4: Charges and Fees: Complete list of applicable charges, fees, and their calculation methods

5. Appendix A: Policy Illustration: Numerical examples of policy values and benefits

6. Appendix B: Risk Disclosure Statement: Detailed disclosure of risks associated with the policy

7. Appendix C: Personal Information Collection Statement: Privacy policy and data handling procedures

8. Appendix D: Definitions of Covered Conditions: Detailed medical definitions for covered conditions