Pacific Life

Company
Term Life
Critical Illness
Group Life

The Pacific Life Assurance Co., Ltd. ('Pacific Life') was established in Hong Kong in 1960 and it is proud to be a local company growing together with Hong Kong.

Pacific Life has a very strong back-up as a wholly owned subsidiary of The Pacific Insurance Co., Ltd. which has long been an active and prudent player in general insurance business with good reputation in Hong Kong.

Pacific Life has fully committed to render quality life insurance services to the general public and has been focusing in providing a comprehensive range of life insurance products distributed through a strong network of insurance intermediaries to meet the diversified needs of the market.

Maximum protection for a low premium
ALWAYS TERM puts you and your loved ones at ease

The premium rate of life insurance products is usually calculated using a very simple formula, by grouping the insured according to their gender, age and whether they smoke.

ALWAYS TERM takes a more fair-principled approach by sub-categorizing the insured according to their health conditions. In other words, you are offered the best deal customized premium rate based on your current health status. The healthier you are, the lower the premium you need to pay.

In addition to giving the insured a free medical check-up worth over a thousand dollars, ALWAYS TERM also provides free protection covering accidental dismemberment (including blindness and loss of hearing). With ALWAYS TERM, you can rest assured you get comprehensive protection for a low premium.

Issue Age	:	Age 18 to 75
Benefit	:	Until Guaranteed Level Premium Period ends
Minimum Sum Insured	:	HK$750,000

PRODUCT FEATURES

Guaranteed Level Premium
ALWAYS TERM lets you select from 5 different "Guaranteed Level Premium Periods". Once insured, we guarantee that your premium level will remain unchanged and that your policy can be automatically renewed during your "Guaranteed Level Premium Period" - even if your health has deteriorated or your health risks have increased.

Issue Age	Guaranteed Level Premium Period Available
Issue Age	Guaranteed Level Premium Period Available
18 - 40	10	15	20	30	40	Years
18 - 50	10	15	20	30	Years
18 - 65	10	15	20	Years
18 - 70	10	15	Years
18 - 75	10	Years

Low Premium for Life Protection
ALWAYS TERM's unique sub-categorization according to your health status ensures that the healthier you are, the lower your premium, so you can enjoy a high sum protection for a remarkably low price. Besides, customers requesting for a higher sum protection can enjoy greater premium discounts. So in other words the greater your protection, the more value for money you get for your premium.

Example (to be insured now at the sum of HK$2,000,000)

Male (Non Smoker - Preferred)
Guaranteed Level Premium Period	Age 25		Age 35		Age 45
Guaranteed Level Premium Period	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium
10 Years	1,420	132	2,180	203	4,740	441
15 Years	1,440	134	2,400	223	5,560	517
20 Years	1,500	140	2,780	259	6,780	631
30 Years	1,940	181	4,220	393	11,540	1,074
40 Years	2,900	270	6,580	612	NA*	NA*

Female (Non Smoker - Preferred)
Guaranteed Level Premium Period	Age 25		Age 35		Age 45
Guaranteed Level Premium Period	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium
10 Years	1,160	108	1,860	173	3,780	352
15 Years	1,300	121	2,160	201	4,360	406
20 Years	1,360	127	2,400	223	4,880	454
30 Years	1,700	158	3,140	292	8,220	765
40 Years	2,220	207	4,700	437	NA*	NA*

The premiums above are in HKD and are provided for reference only. Please consult your insurance intermediary for details.

*Not Applicable

FREE BENEFITS

Accidental Dismemberment Benefit

ALWAYS TERM provides free cover of accidental dismemberment (including blindness and loss of hearing) of an amount up to HK$ 1,500,000⁽¹⁾.

Terminal Illness Benefit

If you are diagnosed with terminal illness, we will advance 50% of your basic death benefit to you to help alleviate your financial burden. The other 50% will remain in your life insurance protection sum.

Waiver of Premium Benefit

If you become permanently disabled from an accident or illness before the age of 60, your premium will be waived until you reach the age of 60 or until your guaranteed level premium period ends (whichever is the earlier).

24-hour Worldwide Emergency Assistance Service

Enjoy our free value-added service when you travel abroad: 24-hour Worldwide Emergency Assistance Services provided by International SOS. This service includes medical evacuation, repatriation to the country of residence, repatriation of mortal remains or ashes etc.

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(1) Maximum claim payable is equivalent to the sum insured, subject to a limit of HKD 1,500,000.

Interested? Contact Mr Robin Brown robin.brown@navigator-insurance.com tel +852 2530 2530 or Ms Romi Gill romi.gill@navigator-insurance.com

Covered the Unexpected

Life is unpredictable. If you are suffering from a critical illness, loss of income, expensive medical and living expenses will burden you and your family. Multi Critical Illness Protection can bring you a comprehensive protection against dread diseases with affordable premium⁽¹⁾. For specific Cancers⁽²⁾, we will provide additional support so that you can fight off the illnesses more effectively. In addition, free life insurance coverage and online medical consultation services provide extra protection and support for you and your beloved. Meanwhile, we understand that you may face more than one challenge, and more support will be needed when you face difficulties again. Therefore, if the insured person unfortunately once again suffers from a critical illness, the amount of protection will be automatically increased. This will provide you with protection up to 5 critical illness claims⁽³⁾, in a total of 700% sum assured.

Issue Age：

Plan 1：Age 0-64
Plan 2：Age 0-59

Benefit Period：

Plan 1：up to age 79
Plan 2：up to age 64

Sum Insured：range from HK$250,000 to HK$2,000,000

Product Features

55 Dread Diseases and 40 Early Stage Dread Diseases

If the insured unfortunately suffers from a Dread Disease listed below after the policy has been in effect for 90 days, the policyowner will receive 100% of the Dread Disease sum assured⁽⁴⁾⁽⁵⁾. In the case that the insured suffers from an Early Stage Dread Disease listed below, the policyowner will receive 25% of the Dread Disease sum assured or HK$240,000 or US$30,000 for one time⁽⁵⁾, whichever is lower.

Dread Disease	Early Stage Dread Disease
Cancer
1. Cancer⁽²⁾	1. Carcinoma-in-situ of Specific Organs Treated with Surgery
Neurological Diseases
2. Stroke	2. Carotid Artery Surgery
3. Amyotrophic Lateral Sclerosis	3. Early Amyotrophic Lateral Sclerosis
4. Progressive Bulbar Palsy	4. Early Progressive Bulbar Palsy
5. Progressive Muscular Atrophy	5. Early Progressive Muscular Atrophy
6. Multiple Sclerosis	6. Early Multiple Sclerosis
7. Parkinson's Disease	7. Moderately Severe Parkinson's Disease
8. Benign Brain Tumor	8. Surgical Removal of Pituitary Tumor
9. Encephalitis	9. Moderately Severe Encephalitis
10. Alzheimer's Disease	10. Moderately Severe Alzheimer's Disease
11. Bacterial Meningitis	11. Moderately Severe Bacterial Meningitis
12. Muscular Dystrophy	12. Moderately Severe Muscular Dystrophy
13. Paralysis	13. Moderately Severe Paralysis
14. Blindness	14. Optic Nerve Atrophy with Low Vision
15. Loss of Hearing	15. Cochlear Implant Surgery
16. Poliomyelitis	16. Moderately Severe Poliomyelitis
17. Major Head Trauma	17. Facial Reconstructive Surgery for Injury due to Accident
18. Spinal Muscular Atrophy
19. Primary Lateral Sclerosis
20. Creutzfeld-Jacob Disease
21. Myasthenia Gravis
22. Apallic Syndrome (Vegetative State)	18. Surgery for Subdural Haematoma
23. Coma	19. Coma for 72 Hours
Cardiovascular Diseases
24. Myocardial Infarction (Heart Attack)	20. Pericardiectomy
25. Coronary Artery Bypass Surgery	21. Keyhole Coronary Bypass Surgery
26. Heart Valve Surgery	22. Percutaneous Valve Surgery
27. Surgery to Aorta	23. Minimally Invasive Surgery to Aorta
28. Cardiomyopathy	24. Early Cardiomyopathy
29. Pulmonary Arterial Hypertension	25. Moderately Severe Pulmonary Hypertension
30. Other Serious Coronary Artery Disease
31. Infective Endocarditis
Organ Diseases
32. Kidney Failure	26. Early Renal Failure
33. Major Organ Transplantation	27. Major Organ Transplantation (On Waitlist)
34. End Stage Liver Disease	28. Liver Surgery
35. Chronic Relapsing Pancreatitis	29. Acute Necrohemorrhagic Pancreatitis
36. End Stage Lung Disease	30. Surgical Removal of One Lung
37. Medullary Cystic Disease	31. Surgical Removal of One Kidney
38. Fulminant Viral Hepatitis	32. Biliary Tract Reconstruction Surgery
39. Aplastic Anaemia	33. Less Severe Aplastic Anaemia
40. Bone Marrow Transplantation
41. Progressive Scleroderma
Others
42. Loss of Two Limbs	34. Severance of One Limb
43. Loss of Speech	35. Loss of Speech due to Vocal Cord Paralysis
44. Severe Rheumatoid Arthritis	36. Moderately Severe Rheumatoid Arthritis
45. Major Burns	37. Moderately Severe Burns
46. Crohn's Disease	38. Moderately Severe Crohn's Disease
47. Ulcerative Colitis	39. Moderately Severe Ulcerative Colitis
48. Chronic Adrenal Insufficiency (Addison's Disease)	40. Adrenalectomy for Adrenal Adenoma
49. Loss of One Limb and the Sight of One Eye
50. Occupationally Acquired HIV
51. Pheochromocytoma
52. Elephantiasis
53. AIDS due to Blood Transfusion
54. Ebola
55. Necrotising Fasciitis (Flesh Eating Disease)

Multiple Critical Illness Protection

Multi Critical Illness Protection provides you with protection up to 5 critical illness claims⁽³⁾。

	Critical Illness	Number of Claims
First Critical Illness Claim	Any Listed Dread Diseases	1
Additional Cancer Protection	Cancer⁽²⁾	2 additional Cancer claims (including the first claim, up to 3 Cancer claims in total)
Additional Heart Attack Protection	Heart Attack	1 additional Heart Attack claim (including the first claim, up to 2 Heart Attack claims in total)
Additional Stroke Protection	Stroke	1 additional Stroke claim (including the first claim, up to 2 Stroke claims in total)

Waiver of Premium

The premium of the basic plan will be waived after the first major critical illness claim. In addition, as long as the premium for the rider (if any) continues to be paid, such benefit will continue to be effective.

Special Diseases Benefit

In addition to the above 55 dread diseases and 40 early stage dread diseases, Multi Critical Illness Protection specifically offers coverage for the following special diseases. Except for Severe Asthma and System Lupus Erythematosus which can be claimed once only(6), other Special Diseases Benefit can be claimed twice⁽⁷⁾. Benefits payable equal to 15% of the Dread Disease sum assured or HK$240,000 or US$30,000, whichever is lower.

General Angioplasty⁽⁸⁾, Severe Asthma
Male	Carcinoma-in-situ of Testis, Prostate Cancer (Stage T1c)
Female	Carcinoma-in-situ of Breast, Cervix Uteri, Uterus, Ovary, Fallopian Tube or Vagina, System Lupus Erythematosus

Terminal Diseases Benefit

If the insured unfortunately suffers from a Terminal Disease⁽⁹⁾other than the 55 dread diseases, the policyowner will receive 100% of the Dread Disease sum assured⁽⁴⁾.

Increment of Protection

To help you face greater challenges, the amount of critical illness protection will increase according to the number of claims, up to a total of 700% of the sum assured.

Claim Number	Claim Amount
1^st	100% of Sum Assured⁽⁴⁾
2^nd	110% of Sum Assured
3^rd	130% of Sum Assured
4^th	160% of Sum Assured
5^th	200% of Sum Assured

Additional Rehabilitation Benefit⁽¹⁰⁾

Multi Critical Illness Protection provides you with additional support for helping you to enjoy your life after facing critical illness. If the insured is diagnosed with Stroke, Major Burns and Muscular Dystrophy, additional benefit in a total of 12% of the Sum Assured will be split into 6 monthly payments (2% of the Sum Assured each). First payment will be paid on the date of the critical illness claim is paid.

Additional Precision Cancer Treatment Benefit⁽¹⁰⁾

For fighting off the illnesses more effectively, additional benefit equals to 80% of the actual cost of Precision Treatment for certain Cancer sites listed below as approved by the company (up to HK$ 50,000).

Cancer sites: Breast, Lung, Lymphoma, Colorectum, Liver and Prostate

Free Life Protection

If the insured unfortunately passes away while the policy is in force, the beneficiary under the policy will receive 50% of the Dread Disease coverage⁽⁴⁾ as Death Benefit. The benefit will be equal to 100% of the Dread Disease coverage⁽⁴⁾ in the event of accidental death.

Exclusive free unlimited online consultation for a second medical opinion⁽¹¹⁾

Offered exclusively in Hong Kong, the insured of Multi Critical Illness Protection and his/her immediate family member can get a second medical opinion via free online medical consultation or Cantonese hotline from BEST DOCTORS^®, giving you access to over 50,000 medical experts from around the world.

Flexible Plans

Multi Critical Illness Protection provides 2 different plans for you to choose:

Plan 1 Level Premium⁽¹⁾until age⁽¹²⁾ 80

Plan 2 Level Premium⁽¹⁾until age⁽¹²⁾ 65

Example (to be insured now at the sum assured of HK$500,000)

Plan	Male (Non-Smoker)
	Age 30		Age 40		Age 50
	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium
Plan 1	5,920	551	9,055	842	14,495	1,348
Plan 2	4,150	386	7,510	698	11,595	1,078

Plan	Female (Non-Smoker)
	Age 30		Age 40		Age 50
	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium	Annual Premium	Monthly Premium
Plan 1	5,820	541	8,525	793	13,315	1,238
Plan 2	4,070	379	6,850	637	10,655	991

The premiums above are in HK$ and are for reference only. Please consult your insurance intermediary.

Rider Benefits

Various rider benefits could be attached to Multi Critical Illness Protection (e.g. Accidental Death, Accidental Death and Dismemberment). For more details, please consult your insurance intermediary or the Company.

(1) The Company reserves the right to review and adjust the premium.

(2) For Cancer, it covers metastasis or recurrence of a previous cancer or newly diagnosed cancers.

(3) There is a waiting period between each critical illness claim, the waiting period between Cancer claims and Cancer claims is 3 years, and the waiting period between other critical illness claims is 1 year. Early Stage Dread Diseases is not limited to this.

(4) Less any benefit paid (Except for Additional Rehabilitation Benefit and Additional Precision Cancer Treatment Benefit)

(5) Dread Diseases or Early Stage Dread Diseases Benefits will be paid if the insured survives for a period of not less than 30 days following diagnosis of the disease. Otherwise, claims will be paid in accordance to the death benefit provisions.

(6) After the first payment of Special Diseases Benefit for Severe Asthma or System Lupus Erythematosus, the Special Diseases Benefit shall immediately terminate and no further Special Diseases Benefit shall be payable under this Policy.

(7) After the first payment of Special Diseases other than Severe Asthma or System Lupus Erythematosus, only the Special Diseases mentioned above other than Severe Asthma and System Lupus Erythematosus could be claimed once more under this Policy subject to the conditions that (a) the second claim (excluding Angioplasty) must be a Special Disease other than Severe Asthma or System Lupus Erythematosus that is different from the Special Disease of the first claim for which benefit has been paid and (b) above lifetime maximum cap of HK$240,000 or US$30,000 shall be applied towards all claims from all policies issued by the Company in respect of all Special Diseases. After the second payment for Special Diseases Benefit, this Special Diseases Benefit shall immediately terminate and no further Special Diseases Benefit shall be payable under this Policy.

(8) After the first payment of Special Diseases Benefit for Angioplasty, the Special Diseases Benefit for Angioplasty can be claimed once more under this Policy. Above lifetime maximum cap of HK$240,000 or US$30,000 shall be applied towards all claims from all policies issued by the Company in respect of Angioplasty. To be eligible for a second claim under Angioplasty, the treatment must also be performed on a location of stenosis or obstruction in a major coronary artery where no stenosis greater than 70% was identified in the medical examination report relating to the first claim of this illness, for which benefit has been paid. After the second payment for Special Diseases Benefit for Angioplasty, the Special Diseases Benefit shall immediately terminate and no further Special Diseases Benefit for shall be payable under this Policy.

(9) This disease must be determined by a specialist who diagnoses that the insured will highly likely pass away within six months and only alleviating the pain instead of active treatment. This decision must be confirmed by a specialist appointed by the Company.

(10) Each insured person under the Company's entire insurance policy will only receive Additional Rehabilitation Benefit and Additional Precision Cancer Treatment Benefit once.

(11) Medical consultation services is provided by third-party service providers who are solely responsible for their respective services. Pacific Life makes no representation or warranty in relation to the quality or fulfilment of these services. Pacific Life also reserves the right to change the service provider anytime.

(12) Age Next Birthday

Interested? contact Mr Robin Brown robin.brown@navigator-insurance.com tel +852 2530 2530 or Ms Romi Gill romi.gill@navigator-insurance.com

Group Life Insurance

Employees are precious resource of a company; loyal and responsible employees are the company’s invaluable lifeline. Showing your care for the employees and their families could raise morale and enhance loyalty. Providing life insurance benefit to your employees is one of the most effective ways to express how much you value them. We, The Pacific Life Assurance Company Limited, are pleased to help you arrange the said benefit to your valuable employees at a preferable cost.

Basic Protection: Life Benefit

If an Insured Person dies, Pacific Life will pay the beneficiary the amount of Life Benefit(1)。

We can even adjust the sum insured for different grades of staff according to your needs.

	Grade	Package 1	Package 2
Example of sum insured
	Directors & Top Management	HK$2,000,000	Basic Monthly Salary x 36
	Middle Management	HK$500,000	Basic Monthly Salary x 24
	Frontline & Others	HK$300,000	Basic Monthly Salary x 12

FREE Total Disability Extended Death Benefit

On the date an Insured Person’s insurance is terminated, if he/she suffers from disability as a result of sickness or injury which prevents him/her from engaging in any and every gainful occupation, and remains continuously under such disability until his/her death, which occurs within 12 months of such termination of insurance, while this Policy is in full force and effect and before the Insured Person is 65 years old, the amount of Life Benefit(1) will be granted to the beneficiary.

FREE Terminal Illness Benefit

If an Insured Person is suffering from a condition, which in the opinion of an appropriate medical consultant, is highly likely to lead to death within 6 months, advance payment up to 50% of the amount of Life Benefit, subject to a maximum of HK$300,000, will be payable to the Insured Person.

Flexible Options

The following 5 benefit options are available for you to choose and include in the tailor-made plan satisfying your needs. Pick your choice and pick it NOW!

Option 1 Critical Illness Benefit

If an Insured Person is diagnosed to have any one of the specific 46 critical illness, a payment up to 50% of the amount of Life Benefit, will be payable to the Insured Person immediately.

Option 2 Critical Illness Benefit (Simplified)

If an Insured Person is diagnosed to have the following critical illness, advance payment up to 50% of the amount of Life Benefit, subject to a maximum of HK$300,000, will be payable to the Insured Person immediately.

(i) Kidney Failure (ii) Paralysis (iii) Coma

Option 3 Dismemberment Benefit

Benefits(1) will be payable if an Insured Person sustains sickness or injury which does not result in death but causes one of the followings within 180 days from the date of inception of sickness or injury:

(i) loss of two or more limbs(2)

(ii) total and irrecoverable loss of all sight in both eyes; or

(iii) total and irrecoverable loss of all sight in one eye and loss of one limb(2)

Option 4 Accidental Death and Dismemberment Benefit

If the Insured Person sustains an accidental bodily injury, and as a result thereof suffer any insured losses or die within 12 calendar months from the date of the accident, the Insured Person or the beneficiary can receive the relevant benefit payment.

Option 5 Total and Permanent Disability

If the Insured Person sustains any of the following situations, benefit payment will be made in accordance with the Policy provision: ：

(i) Suffering the total and permanent loss of use of two limbs(2) or loss of sight of both eyes or the permanent loss of use of one limb(2)and loss of sight of one eye; or

(ii) Having been absent from employment with the Policyowner through disability for 6 consecutive calendar months and having become incapacitated to such an extent as to render the Insured Person unlikely ever

    A.	to resume work or to attend any gainful professional or occupation; or
    B.	to engage for reward or profit in any occupation, business or professional for which he/she is fitted or qualified 
        by experience, training, ability or knowledge.

Key Product Risks: We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you may lose your premium paid and benefits.

If you are interested or have any questions, you may contact your insurance intermediary or call our Customer Service Hotline at 2876-0876. We are glad to receive your enquiries and looking forward to work with you very soon.

This pamphlet is for reference only. For actual terms and conditions, please refer to the policy document.

(1) Less any benefit paid under Terminal Illness Benefit and/or Simplified Critical Illness Benefit.

(2) Limb is defined as the whole hand or whole foot.

Interested? Contact Mr Robin Brown robin.brown@navigator-insurance.com tel +852 2530 2530 or Ms Romi Gill romi.gill@navigator-insurance.com