Wealth Accumulation

Optional Protection

1. The Policy Owner can only assign one Beneficiary and the annuity payments period must be not less than two (2) years and not more than twenty (20) years. The Survivorship Option shall only be exercised subject to the conditions to be imposed by BOC Life and must be approved and endorsed by BOC Life in writing prior to the death of the Insured. The Beneficiary, at all times, does not have the right to change this Survivorship Option or any part thereof, including but not limited to the payment method once approved by BOC Life. For the avoidance of doubt, the claims for Death Benefit and Survivorship Option are mutually exclusive. If Survivorship Option has not been elected or exercised, BOC Life will pay the Death Benefit in a lump sum. For details, please refer to provisions issued by BOC Life.

2. Additional Accidental Death Benefit applies to the Insured whose issue age is between eighteen (18) and sixty (60). The Additional Accidental Death Bene¬fit of the Plan is applicable to the Insured who has an Accident during the first five (5) policy years or on or before the Policy Anniversary on or immediately following the Insured's sixtieth (60th) birthday (whichever is earlier). Such Accident should be direct, independent and the sole cause of, and should result in the death of the Insured within one hundred and eighty (180) days after the Accident and before termination of coverage under the relevant policy. If the Insured is covered by more than one policy under Forever Fortune Whole Life Insurance Plan and / or the Plan issued by BOC Life, the total maximum amount of the Additional Accidental Death Benefi¬t of all these policies shall be equal to 10% of the Total Premiums Paid under all such policies as at the date of the Insured’s death (subject to a maximum amount of HKD100,000 / USD12,500 / RMB100,000). BOC Life shall only pay the said total maximum amount once for all such policies. For details, please refer to policy documents and provisions issued by BOC Life.

3. Accidental ICU Benefit applies to the Insured whose issue age is between eighteen (18) and sixty (60). The Accidental ICU Benefit of the Plan is applicable to the Insured who has an Accident during the first five (5) policy years or on or before the Policy Anniversary on or immediately following the Insured's sixtieth (60th) birthday (whichever is earlier). The Insured is admitted for at least twenty-four (24) consecutive hours into an ICU, and has been treated with life supporting medical devices, certified to be Medically Necessary by a Physician who is a specialist of the relevant field due to a life-threatening medical condition; and the Insured is admitted to the ICU within fourteen (14) days after the Accident and before termination of coverage under the policy. The Accidental ICU Benefit will only be paid once under each policy of Forever Fortune Whole Life Insurance Plan and / or the Plan covering the same Insured during the Insured’s lifetime irrespective of the number of admissions to ICU. If the Insured is covered by more than one policy under Forever Fortune Whole Life Insurance Plan and / or the Plan issued by BOC Life, the total maximum amount of the Accidental ICU Benefit of all these policies shall be equal to 10% of the Total Premiums Paid under all such policies as at the date of the Insured’s Accident (subject to a maximum amount of HKD100,000 / USD12,500 / RMB100,000). BOC Life shall only pay the said total maximum amount once for all such policies. As regards admission to ICU in the PRC and Macau, if the hospital is not on the prevailing “List of Specified Hospitals in the PRC and Macau” maintained by BOC Life and uploaded to the website of BOC Life at the time of admission to the hospital, then such admission to ICU is not covered by the policy. For details, please refer to policy documents and provisions issued by BOC Life.