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(For life insurance only)

Insurance services
Offers you various insurance products and services

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Please note that all investment involves risk. You should not purchase any insurance plan unless you understand the associated risks and you are willing to accept those risks. China Construction Bank (Asia) (License No: FA3132) is an insurance agent authorized by AIA International Limited (incorporated in Bermuda with limited liability), FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), China Taiping Insurance (HK) Company Ltd. and QBE Hongkong & Shanghai Insurance Limited. This leaflet is not a contract of insurance and is for reference only. The specific details, terms and conditions applicable to all insurance plan are set out in respective Insurance Policies to be issued by different insurance companies. You should not apply for any of the insurance policies based on the above information alone. You should read the individual policy details and terms and conditions to assure it meets your personal needs.

Customers should read and understand the details of the insurance plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure the insurance products meet their personal needs. Specific details, terms and conditions applicable to insurance products are set out in respective insurance policies to be issued by the relevant insurance companies. Policyholders are subject to the credit and insolvency risk of the insurer. For life insurance product, an insurance plan may comprise a savings element. Part of the premium will be paid for the insurance and related costs. If a customer is not happy with the customer's life insurance policy, the customer has a right to cancel it within the cooling off period and obtain a refund of any premiums and levy paid. A written notice signed by the customer should be received by the insurer's Hong Kong Main Office within the cooling off period (that is, within 21 calendar days immediately following either the day of the delivery of the policy or delivery of a Cooling-off Notice (informing the customer or the customer's representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if the customer cancels the policy before the end of the benefit term, the projected total cash value may be less than the total premium the customer has paid.

(1) China Construction Bank (Asia) Corporation Limited (the “Bank”) is an authorized distributor / an agent of the relevant product issuer and the concerned product is a product of such product issuer but not the Bank (Not applicable to products issued by the Bank); and

(2) 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 directly between the product issuer and the customer.