... regarded as new products rather than revamped version of current products? A 9. Current products refer to products that exist prior to 1 April 2016. Change in pricing information only (e.g. guaranteed and non-guaranteed benefit, premium rate, etc) is considered as just revamped version of current product...

... when they retire to cover their daily expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The...

... expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The “non-guaranteed” part is often a�ected by...

... when they retire to cover their daily expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The...

... when they retire to cover their daily expenses. Additionally, qualifying deferred annuity premiums are eligible for tax deductions. Annuity plans o�ered by the private sector are mostly deferred annuities, with the annuity payouts usually comprising both "guaranteed" and "non-guaranteed" payouts. The...

... default when there is a substantial increase in the interest rate. Also, in cases where the interest rate of the loan facility is substantially higher than the returns received from the policy, you will suffer a significant financial loss. 11. Exposure to risk of non-guaranteed benefits fluctuation: If...

... policy not less than that under the existing policy?  Are the returns and cash value offered by the new policy guaranteed or just projected non-guaranteed amounts? Projected high rates of returns are usually associated with high investment risks.  When can the new policy offer bonus or dividend? Your...

... (including, without limitation, to the policy features, guaranteed or non-guaranteed benefits, or contract terms) after the QDAP has been certified by the IA, it must obtain the IA’s prior consent before such changes are effected. 5.4 The IA retains the discretion to revoke its certification of a QDAP at any...

... (including, without limitation, to the policy features, guaranteed or non-guaranteed benefits, or contract terms) after the QDAP has been certified by the IA, it must obtain the IA’s prior consent before such changes are effected. 5.4 The IA retains the discretion to revoke its certification of a QDAP at any...