Key Man Life Insurance, protecting your company's experts and critical employees

An experienced key person and the person of senior management inside a company are the valuable human resources. In the unfortunate event of death or illness of a key person, it may bring serious effects on the company's operations or even affect company's profitability.

Governing Law of Policy: Hong Kong Special Administrative Law

For enquiries, please visit any of our outlets or call our customer services hotline.

For more details about the products and services of FWD Life Insurance Company (Bermuda) Limited, please visit the official website of FWD Life Insurance Company (Bermuda) Limited (www.fwd.com.hk) or please click here and visit the "Product Service Area"^*.^*This link brings you to a third party website. The Bank assumes no liability or control for your use of these links.

For more details about the products and services of China Life Insurance (Overseas) Company Limited, please visit the official website of China Life Insurance (Overseas) Company Limited (www.chinalife.com.hk).

Important Notice:

Applicable to the insurance plan which is underwritten by FWD Life Insurance Company (Bermuda) Limited (“FWD”) 

• The insurance plan is a product of FWD but not Bank of Communications (Hong Kong) Limited (the “Bank”). All benefits payable under the insurance plan are subject to the credit risk of FWD.
• Part of the premium pays for the insurance and related costs. If you surrender your policy in the early policy years or before the end of the policy term, the amount you get back may be considerably less than the total premium you have paid.
• 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly FWD and the customer.
• FWD is authorized and regulated by Insurance Authority.  
• FWD reserves the right to accept or reject any Insurance Application.

For details, please refer to Disclosure of Important Information to Life Insurance Customers.

Applicable to the insurance plan which is underwritten by China Life Insurance (Overseas) Company Limited (“China Life (Overseas) ”) 

• The insurance plan is a product of China Life (Overseas) but not Bank of Communications (Hong Kong) Limited (the “Bank”). All benefits payable under the insurance plan are subject to the credit risk of China Life (Overseas).
• Part of the premium pays for the insurance and related costs. If you surrender your policy in the early policy years or before the end of the policy term, the amount you get back may be considerably less than the total premium you have paid.
• 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly China Life (Overseas) and the customer.
• China Life (Overseas) is authorized and regulated by Insurance Authority. 
• China Life Overseas Company reserves the right to accept or reject any Insurance Application.

For details, please refer to Disclosure of Important Information to Life Insurance Customers.