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Pensions and Unit Linked Life Insurance

Unit Linked Long Term Life Insurance

A Unit Linked Life Insurance plan, also known as an Investment Linked Life Insurance plan, this type of policy has a value which is directly linked to the performance of an investment portfolio. The investments to which the policy is linked are purchased through the premiums paid by the policyholder.

In some cases an Investment Linked Life Insurance plan may be formally attached to unitised investment fund run by the insurance company or to units in a unit trust; hence the name Unit linked Long Term Life Insurance.

Because the insurance policy is linked to an investment portfolio the value of the policy will fluctuate over time.

Unit linked life insurance plans in Hong Kong will come in a number  of different forms, however all will be linked to an investment which will be purchased in units through the premiums paid by the policyholder. A wide range of funds can be used for linking purposes; the policy can be linked to equities (shares), fixed interest investments, or an array of cash and other hard asset funds.

In theory most types of life insurance could be unit linked. In practice it is common for Whole of Life  and Endowment plans, sometimes with a guaranteed minimum value despite the movement in unit prices.

This description of Unit Linked Long Term Life Insurance is for information only and should not be misinterpreted as purchasing advice.

Pensions

Pensions in Hong Kong are normally held by Civil Servants, and are consequently usually considered to be more of a government related life insurance product. However, in recent years the Mandatory Provident Fund scheme, which mandates private sector retirement planning in the form of a lump sum benefit has brought the idea of pension schemes to the wider market.

This description of Pensions is for information only and should not be misinterpreted as purchasing advice.





Please note that CCW Global does not provide advice or coverage options in relation to Unit Linked Life or Pensions in Hong Kong. CCW Global intends for the content contained in this section to be for informational purposes only and, like the rest of this website, should not constitute an invitation to obtain or purchase any Pension or Unit Linked Life Insurance product in Hong Kong. CCW Global may choose to update this section of the website with content from our partner companies who provide such insurance services.

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