於推廣期內，特選客戶憑指定優惠碼網上投保智優盛儲蓄保險計劃2即享限時保費折扣，折算後保證回報率高達每年4.3%^，成功投保更可獲享高達HK$3,000超級市場電子現金券。

*折後保費是以四捨五入至個位計算。

優惠名額有限，先到先得，送完即止。

如欲查詢詳情，請致電客戶服務熱線 (852) 3123 3338。  

^此產品提供每年3.51%之保證回報率。推廣期內投保並選擇以預繳選項方式(投保時一筆過同時繳付首年保費及翌年保費之預繳金額)繳交保費，可享首年額外15%保費折扣，8年保證回報折合計算為每年4.3%。若選擇按年繳交保費，亦可享首年額外7% 保費折扣，折扣後可鎖定8年保證回報高達每年4.01%。保證期滿回報率是以四捨五入到小數點後兩位，及以原躉繳保費和期滿權益(相等於100%名義金額扣除任何欠款(如有))計算。

During the promotion period, designated customers can enjoy a limited-time premium discount on Easy WealthPlus Endowment Plan 2 by applying online with the designated promo code, with a post-discount guaranteed return of up to 4.3% p.a.^. The customers who successfully apply for the plan can receive up to HK$3,000 supermarket e-coupon.

*Premium after discount is rounded to the nearest integer.

The Offer is subject to a limited quota with on a first-come-first-serve basis.

For enquiries, please call our service hotline (852) 3123 3338.  

^This product provides a guaranteed maturity return of 3.51% p.a.. During the promotion period, applicants can enjoy an extra premium discount of 15% if you choose to pay your premiums by prepay option (paying a lump sum with 1st year premium and a full prepayment amount for the 2nd year premium upon policy application). The post-discount 8-year guaranteed maturity return is 4.3% p.a.. If you choose to pay the premiums by annual pay, you can enjoy 7% premium discount on the first year, and the post-discount guaranteed maturity return is 4.01% p.a. The guaranteed maturity return is rounded to the nearest two decimal places and is calculated based on the total premium paid and the maturity benefit (which is equal to 100% of notional amount less any indebtedness (if any)). 

智優盛儲蓄保險計劃2—超市現金券優惠之條款及細則

1.  智優盛儲蓄保險計劃2 (「指定保險產品」) 為限額發售產品，供應期有限，並由富衛人壽保險（百慕達）有限公司（於百慕達註冊成立之有限公司）（「富衛人壽」）酌情決定，富衛人壽保留不接受客戶保單申請之權利，並全數退回已繳交之保費及保費徵費而不會支付任何利息。有關指定保險產品保單之條款細則的詳細資料，請參閱產品小冊子及保單條款。實際保費折扣請參考FWD網上保險平台優惠之條款及細則。
2.  推廣期為至2025年3月31日。（「推廣期」） 
3.  於推廣期內，客戶透過FWD網上保險平台以指定優惠碼投保指定保險產品，即可獲得資格享有以下優惠：（「優惠」）   
—　折前總保費為US$6,250至US$12,999，可享HK$400超級市場電子現金券；或 
  —　折前總保費為US$13,000至US$25,999，可享HK$900超級市場電子現金券；或 
—　折前總保費為US$26,000至US$35,999，可享HK$2,000超級市場電子現金券；或 
—　折前總保費為US$36,000至US$50,000，可享HK$3,000超級市場電子現金券 
4.  有關申請需符合下列要求方可享優惠：
—　申請人於推廣期內透過FWD網上保險平台以優惠碼FWDVIP / FWDREF / FWDMAX 投保指定保險產品；及 
—　該指定保險產品的申請須獲富衛人壽接納，及有關保單必須於2025年4月30日或之前繕發。 
5.  合資格客戶指上述指定保險產品的保單持有人及於享用優惠時須保持指定保險產品的保單為有效（「合資格客戶」） 。否則，富衛人壽將會保留取消合資格客戶享用優惠的資格之權利，不另作通知。 
6.  富衛金融有限公司(「富衛金融」)將於指定保險產品的保單繕發後三個月內以電郵發出優惠換領信（「優惠換領信」）到合資格客戶於申請時所登記的電郵地址。  
7.  若合資格客戶因其電子現金券已被使用或未能於換領信上的有效期內使用優惠，富衛人壽及/或富衛金融概不補發換領信，亦不承擔任何責任。在任何情況下，富衛人壽及/或富衛金融都不會補發優惠通知信 ，合資格客戶承擔妥善保管優惠通知信及/或電子現金券的責任。
8.  優惠提供的任何產品及/或服務及其使用皆受其相關供應商所訂立的條款及細則規限;富衛金融並非該產品及/或服務的供應商，富衛金融在任何情況下均毋須就有關產品及/或服務的質素，或就使用該產品及 /或服務的後果(包括但不限於供應商之服務質素)負上任何責任。 
9.  優惠名額有限，先到先得，送完即止。
10.  除特別註明外，優惠不可與其他推廣及/或優惠同時使用。 
11.  指定保險產品保單的投保日期及繕發日期均以富衛人壽的紀錄為準。任何因電腦及/或網絡的連接、技術問題、故障或意外而引致的延遲、遺失、錯誤或無法辨識等情況，富衛人壽及/或富衛金融概不負責。 
12.  本推廣不設退款、不可更換或兌換現金、其他禮物或服務。 
13.  如合資格客戶於指定保險產品的保單之首個保單年度終結前取消保單或退保，富衛人壽及/或富衛金融有權追討有關本推廣之費用及/或成本。
14.  富衛人壽及/或富衛金融擁有絕對酌情權隨時撤銷或調整本推廣而不作另行通知。 
15.  就本刊物或本推廣內容有任何爭議，富衛人壽及/或富衛金融擁最終詮釋權。如有任何爭議，概以富衛人壽及/或富衛金融的決定為準。 
16.   本刊物是由富衛人壽及/或富衛金融發行及只在香港派發，並不能詮釋為在香港境外出售、游說購買或提供富衛人壽及/或富衛金融的保險產品或服務。在本推廣內之保險產品及服務的銷售及申請程序必須在香港境內進行及透過FWD平台網上完成手續。 

 
重要事項
1.  富衛人壽乃獲保險業監管局授權在香港經營保險業務之保險公司。 
2.  FWD平台由富衛金融經營，富衛金融為富衛人壽委任的保險代理商。富衛金融是於保險業監管局登記之持牌保險代理商，牌照號碼為FA2568。 
3.  此優惠由富衛金融及富衛人壽（合稱為「富衛」）提供及只在香港以內提供，不能詮釋為在香港以外提供或出售或遊說購買富衛人壽的任何產品的要約、招攬及建議。請參閱富衛人壽繕發的銷售文件、保單文件及條款。 
4.  投保前，請確定您已明白相關產品的特點，並符合您的需要。此推廣優惠或宣傳材料應與相關產品小冊子和條款及細則同時參閱。您不應單憑此推廣優惠或宣傳材料而投保此產品。上述資料不包括相關保險計劃的完整條款, 有關相關保險計劃的完整之條款, 詳細資料及主要風險，請細閱其產品小冊子及保單文件。

 

Easy WealthPlus Endowment Plan 2 - Supermarket Coupon Offer Terms and Conditions

1.  Easy WealthPlus Endowment Plan 2 (“Designated Insurance Product”) is offered for a limited period and on a limited quota basis, and its availability is at the discretion of FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) (“FWD Life”). FWD reserves the right to decline applications for this Plan with a full refund of any premium paid and any insurance levy paid without interest. The policies of Designated Insurance Plan are subject to the respective policies’ terms and conditions. Please refer to the product brochure and policy provision for details. For the actual premium discount, please refer to the terms and conditions on FWD Online Insurance Platform.
2.  The promotion period is valid to 31 March 2025. (“Promotion Period”)
3.  During Promotion Period, customers who apply for the Designated Insurance Product with specific promo code via FWD Online Insurance Platform can be eligible for the following offer: (the ”Offer”) 
—　HK$400 supermarket e-coupon for total premium before discount between US$6,250 and US$12,999; or 
—　HK$900 supermarket e-coupon for total premium before discount between US$13,000 and US$25,999; or 
—　HK$2,000 supermarket e-coupon for total premium before discount between US$26,000 and US$35,999; or 
—　HK$3,000 supermarket e-coupon for total premium before discount between US$36,000 and US$50,000 
4.  The Offer is only applicable if the following requirements are satisfied: (“Eligible Customer(s)”) 
—　Applicant(s) must submit application of Designated Insurance Product through FWD Online Insurance platform with promo code FWDVIP / FWDREF / FWDMAX during Promotion Period; and 
—　The application of such Designated Insurance Product must be accepted by FWD Life and issued on or before 30 April 2025. 
5.  Eligible Customer(s) must be the Policyholder(s) of the Designated Insurance Product and maintain the policy(ies) of such Designated Insurance Product in force during the usage of the Offer.  Otherwise, FWD Life reserves the rights to cancel his/her eligibility of the Offer without notice.  
6.  FWD Financial Limited (“FWD Financial”) will issue a redemption letter within 3 months after the issuance of the Designated Insurance Product policy (“Redemption Letter”) to Eligible Customers’ email address registered at application.  
7.  FWD Life and/or FWD Financial will not re-send or re-issue the Redemption Letter if the e-coupon has been used or Eligible Customers fail to use or redeem the Offer within the specified period as stated in the Redemption Letter. Redemption Letter will not be re-issued in any circumstances and the Eligible Customers bear the sole responsibility to maintain a proper custody of the Redemption Letter and/or the e-coupon. 
8.  For any products and/or services given under the Offer and the use of the products and/or services will be subject to the terms and conditions imposed by the supplier.   FWD Financial is not the supplier of products and/or services. FWD Financial will not be responsible for the availability or quality of the products and/or services or the consequences of using the products and/or services (including but not limited to the service quality of the providers) under any circumstances.  
9.  The Offer is subject to a limited quota on a first-come-first-serve basis. 
10.  Unless specified otherwise, the Offer cannot be used with other promotions and/or offers. 
11.  The application submission date and the issuance date of policy of the Designated Insurance Product are based on the records of FWD Life. FWD Life and/or FWD Financial will not be responsible for any delay, loss, error or unrecognized situation due to computer and/or Internet’s connection, technical problem, malfunction or accident.  
12.  The Offer cannot be refunded, changed or redeemed for cash, exchanged for other gifts or services.  
13.  If the policyholder cancels or surrenders the policy of the Designated Insurance Product(s) before the end of the first policy year, FWD Life and/or FWD Financial shall have the right to recover the fee and/or cost of the Offer.  
14.  FWD Life and/or FWD Financial reserves its absolute discretion to withdraw or vary this Offer without further notice.  
15.  In case of any dispute arise in the contents of this leaflet or this Offer, FWD Life and/or FWD Financial has final interpretation right on the contents of this leaflet. For any dispute, the decision of FWD Life and/or FWD Financial shall be final.  
16.  This leaflet is issued by FWD Life and/or FWD Financial and is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products or services of FWD Life and/or FWD Financial outside Hong Kong. All selling and application procedures of the insurance plans and services the Offer must be conduct and completed online via FWD Platform in Hong Kong.  

 
Important Notes
1.  FWD Life is authorized by the Insurance Authority to carry on insurance business in Hong Kong. 
2.  FWD Platform is operated by FWD Financial. FWD Financial is an appointed insurance agency of FWD Life. FWD Financial is a licensed insurance agency under the Insurance Authority with license no. FA2568.  
3.  The promotion is provided by FWD Financial and FWD Life (collectively named as “FWD”) intended to be offered 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 FWD Life outside Hong Kong. Please refer to the policy documents and provisions issued by FWD Life for details.  
4.  Before applying, please confirm you fully understand the product and how it can meet your needs. These promotional offers or promotional materials should be read in conjunction with the relevant product’s webpage and terms and conditions. You should not purchase this product solely on the basis of these promotional offers or promotional materials. The above does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy documents.