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Happy Mortgage Life Insurance
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Having a secure home for you and your beloved family, is one of your ultimate goals. When you are buying a home, there's something you need to consider. What would happen to your home if you were to die today? Would your family be able to keep making the mortgage payments? "Happy Mortgage Life Insurance" provides the protection you need in insuring your mortgage: In the event of misfortune, this plan will pay off the mortgage balance and therefore your family can remain in the dream home.
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Comprehensive Coverage
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Death Benefit
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In the event of death of the Insured, a lump sum benefit # will be paid
to settle the outstanding mortgage loan amount. |
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Waiver of Premium* |
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Should the Insured become disabled and unable to work for 183 days or more before
the age of 65, all premiums following due during the period of disability will be
waived until the Insured is fully recovered or until the policy term ends, whichever
is earlier. |
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We Take Care of Your Family
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In addition to the basic coverage to the Insured, this plan will also protect your
family: |
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| Family Member Protection+ |
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In the event of death of the Insured and his/her family members resulting from fire
or robbery at Home, a compassionate allowance of HK$50,000 per person up to the
limit of HK$200,000 will be paid. |
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24-Hour Home Assistance Hotline |
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In case of emergencies at home, this plan will offer the Insured a 24-hour home
assistance hotline for referral services, including locksmith, plumber, electrician,
general repairer, home nursing/baby sitting, pest control, home cleaning and domestic
helper advice, etc. |
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| Loss of Money (Due to Fire or Burglary at Home)+ |
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In the misfortune event of fire or burglary at home, this plan will cover the loss
of money belonging to the Insured or his/her Family members for an amount up to
HK$2,000 during each period of insurance. |
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Additional Benefits to Meet Your Needs
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To provide you with completed protection, the plan offers 2 optional riders*** for
your own choice. |
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Total & Permanent Disability Rider |
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Should the Insured become total and permanent disabled caused by illness or accident
which results in losing ability to work for 183 consecutive days or more, this plan
can help you to repay the outstanding mortgage loan amount. |
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Critical Illness Rider |
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In the misfortune event of suffering from any one of the 33 serious illnesses**
covered under this benefit, an amount equal to the outstanding mortgage loan amount
will be advanced to the Insured. |
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| Our Promise to Protect Your Best Interests |
| Happy Mortgage Life Insurance does not provide a savings element. If you are not happy with your policy, you have a right to cancel it within the cooling off period and obtain a refund of any premiums paid. A written notice signed by you should be received by BEA Life Limited at 29/F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kowloon, Hong Kong within the cooling off period (that is, 21 days after the delivery of the policy or issue of a notice (informing you/your 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 you cancel the policy before the end of the term, you may not receive a premium refund. |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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