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     For Individuals & Families Life Insurance Investment Important Risk Warning Statement

Important Risk Warning Statement
  • Our investment-linked assurance schemes (collectively the "Products", each the "Product") are long term insurance policies issued by Chubb Life Insurance Company Ltd. (the "Company"), the authorized insurer.
  • Your investments are subject to the credit risks of the Company.
  • The premiums you pay, after deduction of any applicable fees and charges of your policy, will be invested by the Company in the underlying funds of the investment options you selected and will accordingly go towards accretion of the value of your policy. Your return on investment will be calculated by the Company based on the performance of the underlying funds of the investment options from time to time and the ongoing fees and charges, which will continue to be deducted from your policy value.
  • All premiums you pay towards your policy, and any investment made by the Company in the underlying funds of the investment options you selected, will become and remain the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
  • Due to the various fees and charges levied by the Company, the return on your policy as a whole may be lower than the return of the underlying funds of the investment options you selected.
  • Underlying funds available for selection are the funds listed in the Summary Table of Investment Options / Investment Options Brochure. These funds are authorised by the SFC.
  • Early surrender or partial withdrawal of the policy/ suspension of or reduction in premium may result in a significant loss of principal and bonuses awarded (if any). Poor performance of the underlying funds may further magnify your investment losses, while all charges are still deductible.
  • More importantly, in respect of WealthMaster Variable Universal Life, you should be aware of the following regarding your death benefit and the cost of insurance ("Cost of Insurance"):
    • Part of the fees and charges will be deducted from the value of your policy to cover the Cost of Insurance for the life coverage and any additional coverage you may choose.
    • The Cost of Insurance will reduce the amount that may be applied towards investment in the underlying funds of the investment options you selected.
    • The Cost of Insurance may increase significantly during the term of your policy due to factors such as age and investment losses, etc. This may result in significant or even total loss of your premiums paid.
    • If the value of your policy becomes insufficient to cover all the ongoing fees and charges including the Cost of Insurance, your policy may be terminated early and you could lose all your premiums paid and benefits.
    • You should consult your intermediary for details, such as how the charges may increase and could impact the value of your policy.
  • The investment options available under the Product can have very different features and risk profiles. Some may be of high risk.
  • You should not purchase the Product(s) unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
  • Investment involves risk. You should not invest based on this website alone. Please read the Principal Brochure of the Product(s) and the offering documents of the underlying funds, which will be made available for you upon request.

Issuer: Chubb Life Insurance Company Ltd.