My translation work – Product Brochure for Harvest Link (Active Insurance Series)

Product Brochure for Harvest Link (Active Insurance Series)

「富岁宝」退休保障计划产品册子（自主理财保障系列）
目录 Contents

Introduction …    .5
Contributions …    ..5
Investment …    .5
Death benefits …    .6
Retirement income withdrawal …    …6
Partial surrender to meet your financial needs …    .6
Unitized fund valuation …    …6
Investment strategy reallocation service …    ..7
Summary of charges …    .7
Further information …    ..8
计划简介 …    …1
供款 …    .1
保单的投资 …    …1
死亡赔偿 …    …1
退休入息提款 …    ..2
部份提款 …    …2
单位基金估值 …    ..2
投资策略重整服务 …    .2
收费总览 …    …3
其它事项 …    …4
Active Insurance Series – Harvest Link Product Brochure
自主理财保障系列 — 「富岁宝」退休保障计划产品册子
The Principal Brochure consists of this Product Brochure and Investment Details and this
Product Brochure should be issued and read in conjunction with the Investment Details.
主要推销刊物包括本产品册子及投资数据综览，本产品册子必须与投资数据综览一并缮发及阅读。
Zurich Life Insurance Company Limited (Zurich Life / the Company), an authorized insurer in Hong Kong, presents to you Harvest Link, a whole life flexible personal finance and protection plan under one umbrella that caters for your comfortable retirement.
「富岁宝」是一份具投资功能的终身寿险保障计划，弹性地切合您的个人理财需要。此计划由苏黎世人寿（本公司） 提供，本公司乃香港注册认可的保险公司。
The scheme is an investment-linked insurance plan under Class C linked long term business as defined in the Insurance Companies Ordinance (“ICO”) offered by Zurich Life / the Company as an authorised insurance company under the ICO in Hong Kong.
本计划是由本公司按照保险公司条例规定而提供的长期业务 C 类别与投资有关的人寿保险计划，本公司为根据 香港保险公司条款下获授权的保险公司。
It is designed to cater to both your savings and investment needs, helping you secure a comfortable retirement. By offering you access to a range of high quality funds, you can enjoy the opportunity to achieve your investment goals faster. Best of all, it also aims to offer you regular retirement income to protect your future quality of life. The entry age for the Policy Owner and the Life Insured are 19 years old (age next birthday) and 30 days old respectively.
「富岁宝」是一个崭新而全面的个人理财计划，能够满足您的储蓄及投资需要，助您建立稳健的退休生活。透过 多项精选基金，让您把握良机，更快实现您的投资目标。而退休入息更为您日后的退休生活增添多一份保障。保 单持有人及受保人的最低投保年龄分别为 19 岁（以翌年生日计）及 30 日。
Contributions
供款
• Policy Owner is required to pay a single contribution only.
•  保单持有人只须作出一次过整额投资供款。
• The contribution is as low as US$12,500.
•  供款额最低为 12,500 美元。
• The plan currency is in US dollar.
•  计划货币单位为美元。
• You have the choice to pay your contribution in either US dollar or HK dollar.
•  您可选择以美元或港元缴交供款。
Investment
保单的投资
• There is a wide range of selection of unitized funds. Your contribution will be used to purchase the unitized funds of your choice at the prevailing offer price and the units will be placed into different unitized accounts which make up your investment account.
•  计划提供多项单位基金可供选择。根据您的投资选择，我们将您的供款以当时的卖出价为您购买基金单位，并存入您的不同单位分账户内，有关账户将组成您的投资账户。
• A set up charge will be deducted from the contribution before investing into the selected funds.
•  开户费用将会从供款中在存入您所选择的基金前扣除。
• The investment account value equals to the number of units multiplying the bid price of the units.
•  投资账户的价值相等于阁下所持基金单位的数目乘以当时的买入价。
• The relevant allocation date in respect of your contribution is any working day (as determined by The Company) within 7 working days immediately following the later of the day of receipt by the Company of the contribution and the policy issue date.
•  我们会以接获供款当日或保单签发日较后者的7 个工作天内任何一个工作天（由本公司决定） 作为该笔供款的有关分配日。
• If you need to alter your investment strategy, you can switch unitized funds at any time by giving us prior written notice or via Zurich Ezinet online service platform, provided that the allocation of each unitized fund is not less than 10%. All unitized fund switches made will be in bid to bid basis*.
•  如您要改变投资策略，您可预先发出书面通知或透过「苏黎世易联网」网上服务平台，随时转调单位基金，每项单位基金的分配比重最少是10%。转调单位基金均以买入价计算 *。
• Unit prices of unitized funds are quoted daily in the Hong Kong Economic Times and at Zurich Life web site http://www.zurich.com.hk. In addition, we will send you an annual valuation statement to show the transaction and value of each unitized fund you selected. You can check the policy status and immediate investment account value wherever and whenever you like via Zurich Ezinet online service platform.
•  单位基金价格将会每天刊登于《 经济日报》及 苏黎世人寿网页内，网址为http://www.zurich.com.hk。此外，苏黎世人寿
将会每年寄奉一份全年结算表，详列交易情况及基金表现，让您一目了然。您更可以透过「苏黎世易联网」网上服务平台，不论何时何地即时查询保单状况及投资账户价值。
The price of units may fall as well as rise and past performance figures shown are not indicative of future performance.
基金价格可跌亦可升，过往业绩数据并非未来业绩的指标。您的基金账户价值可能会因货币率波动而增减。请参阅相关基金的基金说明书。
Death benefits
死亡赔偿
• The death benefit payable is 101% of the bid value of your investment account.
•  死亡赔偿为投资账户买入价的 101%。
• Once the retirement income withdrawal has been taken effect, the death benefit payable will be limited to the investment account value.
•  退休入息提款一旦生效，死亡赔偿将相等于投资账户价值。
• Benefits are paid in the plan currency (USD) at any place as you request.
•  赔偿可按您的要求在任何地点以计划货币（即美元）支付。
* Zurich Life reserves the right to impose a charge on fund switching. In the event of any such change, all customers
will be notified in writing for a period of not less than 3 months in advance, except where this is not possible and, if appropriate for a shorter period approved by Securities and Futures Commission (the SFC).
* 本公司保留日后收取费用的权利，并会在可行情况下，将于不少于 3 个月前或取得证券及期货事务监察委员会（证监会）同意下以较短时间以书面通知所有客户。
Retirement income withdrawal
退休入息提款
• Harvest Link provides you with the option of requesting a regular retirement income withdrawal from your investment account to fund your retirement expenses. The retirement income withdrawal facilitates withdrawal from the investment account monthly, until the investment account value is exhausted, upon the policy surrender or upon the death of Life Insured, whichever is earlier.
•  您可选择退休入息提款，并按月支取投资账户结存作为您的退休入息，直至投资账户内无结存金额、退保保单或受保人身故（以较早者为准）。
• Early surrender charge (if applicable) will be deducted from your investment account if you start the retirement income withdrawal option within the first 3 policy years and the remaining investment account value is less than US$25,000 (please refer to summary of charges section).
•  若您于保单生效首 3 年内及投资账户的结余价值少于 25,000 美元时，开始退休入息提款，则需缴付提前退保费用。我们将会从您的投资账户内扣减提前退保费用（若适用）。（请参阅「收费总览」）。
• You may decide the retirement income amount on your own and have the right to review this amount every year after activating this option.
•  您可自行决定退休入息提款的金额及有权每年调整此金额。
• Any costs incurred in remitting the retirement income withdrawal will be at the expense of the Policy Owner and will be deducted from the remitted amount.
•  退休入息提款所衍生的任何收费，将为保单持有人的支出，并会从退休入息提款金额中扣减。
• The minimum amount permissible for retirement income withdrawal, currently permitted by the Company is US$300 per month. The minimum period for withdrawal is 12 months, upon the policy surrender or until the investment account value is exhausted. Once the investment account is exhausted, the policy shall be terminated.
•  本公司现行规定，退休入息提款的最低金额为每月 300 美元。退休入息提款最短时期为 12个月、退保保单或直至投资账户内无结存金额。当投资账户内无结存金额，本保单即告终止。
• You are required to complete the retirement income withdrawal form to effect this option.
•  您必须填妥退休入息提款表格以申请此项选择。
Partial surrender to meet your financial needs
部份提款
• You may sell part of your units at any time and withdraw the proceeds from your investment account, provided that your investment account value exceeds the specified minimum surrender value after partial surrender and subject to the early surrender charge in the first 3 years of the Policy (please refer to summary of charges section). The minimum surrender value is US$100.
•  保单生效期内，您可沽出部份基金单位套现投资账户结余，惟提取金额后投资账户的价值不可少于指定最低余额。保单生效首 3 年内提取部份结余或退保均需缴付提前退保费用（请参阅「收费总览」）。最低余额为 100 美元。
• Your surrender value will be equal to the bid value of your investment account as at the working day immediately following the receipt of your request for surrender.
•  现金价值为本公司接获提款申请后翌个工作天计算的投资账户买入值。
• The minimum partial surrender amount is 10% of your investment account value or US$100, whichever is greater. The maximum partial surrender amount is 90% of your investment account value. Any partial surrender amount will be deducted from the investment account.
•  最低部份提款金额为投资账户价值 10%或100 美元（以较高者为准）；最高部份提款金额为投资账户价值 90%。有关的部份提款金额将从投资账户中相应扣减。
• In the event of partial surrender, please complete the surrender form and in case of total surrender, please also return the policy document to us. The cheque will normally be ready within 15 working days after the surrender request is raised.
•  若需部份提款，请填妥提款申请表格。如需退保，请将上述表格连同保单文件退回本公司。支票一般会于提出申请后15 个工作天内准备妥当。
Unitized fund valuation
单位基金估值
• Unitized funds are valued on a daily basis.
•  单位基金每天进行估值。
• Unitized funds are divided into units of equal
value which represent shares in the assets of the unitized funds.
•  单位基金会被均分为等值的单位，代表单位基
金资产的股份。
• The unitized funds are valued based on the market value of the assets of the unitized funds, including any income accrued to the unitized funds, less any mortgages or other liabilities relating to the investments of the unitized funds.
•  单位基金根据其拥有资产的市值而估值，包括单位基金的应计收益，扣减任何按揭或与单位 基金投资有关的负债。
• There are two prices associated with a unit. The “offer price” is the price at which units are subscribed by you; and the “bid price” is the price which Zurich Life pays when units are redeemed.
•  每个单位均有两种价格。卖出价是您认购单位的价格，买入价则是赎回单位时苏黎世人寿所支付的价格。
• The bid price and offer price is based on the unitized fund valuation on the working day immediately following the day of the relevant request received by Zurich Life. The Company, upon the advice of the actuary, may first
calculate either the offer price or bid price and then derive the other price from the first calculated price.
•  买入价和卖出价乃根据接获有关申请后翌个工作天进行的单位基金估值而计算。本公司可根据精算师的建议首先计算卖出价或买入价，然后从首先计算所得的价格计算出另一项价格。
• Bid offer spread is the difference between the bid price and the offer price of each unitized fund. The bid offer spread is currently waived.
•  基金买卖差额为每项单位基金的买入价和卖出价之间的差额。基金买卖差额现时为豁免收取。
• The bid price will be calculated by multiplying the offer price by 95 and dividing the result by 100. The bid price will then be rounded down to 3 decimal places.
•  买入价的计算方法便是卖出价乘以 95，然后除以100 并以下调方式整合至 3 个小数字。
• The creation of Units will be rounded down to 3 decimal places and the cancellation of Units will be rounded up to 3 decimal places. Any remaining portion under the rounding adjustment will accrue to the Company.
•  买入单位数目时将以下调方式整合至 3 个小数位，而取消单位数目时将会以上调方式整合至3 个小数位。因整合而得出的剩余部份将归于本公司。
Investment strategy reallocation service(Applicable to children plan only)
投资策略重整服务（只适用于儿童保障计划）
• In the unfortunate event of death of the Policy Owner, the plan offers you an investment strategy reallocation service so as to reduce the market risk faced by the unitized funds.
•  若保单持有人不幸身故，计划特设投资策略重整服务安排，藉以减低单位基金日后面对的市场风险。
• With this special arrangement, you may select to redirect all your assets in unitized account to a lower risk approach – Fixed Income Defensive Growth Portfolio or may select to maintain the existing investment strategy.
•  投资策略重整服务安排让您选择把单位账户的资产比重自动重整至较为低风险的定息稳守增长组合，或选择保留原有的投资策略。
Summary of Charges
收费总览
Switch charge Free and unlimited switch per annum.
基金调配费用    免费，每年转调基金次数不限。
Bid offer spread Currently waived
基金买卖差额    现时豁免
Annual management charge
Zurich Life management charge and charges of the underlying funds areincluded in the annual management charge which covers the costs of our fund accounting procedures, administration and reporting. The charges are set and charged by the fund managers of the relevant funds and are reflected in the respective fund prices. For the annual management charge of each fund, please refer to the respective prospectus of the underlying funds.
Zurich International Bond Fund / Zurich US Dollar Bond Fund / Zurich European Bond Fund / Zurich Emerging Market Bond Fund / Zurich High Yield Bond Fund / Zurich Strategic Bond Fund / Zurich American Growth Fund / Zurich European Growth Fund / Zurich UK Growth Fund / Zurich Japan Growth Fund / Zurich Asia Growth Fund / Zurich Latin America Growth Fund / Zurich International Equity Fund : 1.25% p.a.
投资管理费用
投资管理费用已包括苏黎世人寿管理费用及所有相关基金的投资管理费用 ─此项费用是用以支付基金的会计程序开支、行政管理费用及申报费用。此费用由相关连系基金的基金经理所厘定及收取，并已反映在相关基金的价格内。有关各基金的投资管理费用之详情，请参阅相关基金说明书。苏黎世国际债券基金 / 苏黎世美元债券基金 / 苏黎世欧洲债券基金 / 苏黎世新兴市场债券基金 / 苏黎世高孳息债券基金 / 苏黎世策略债券基金 / 苏黎世美洲增长基金 / 苏黎世欧洲增长基金 / 苏黎世英国增长基金 / 苏黎世日本增长基金 / 苏黎世亚洲增长基金 / 苏黎世拉丁美洲增长基金 / 苏黎世国际股票基金：每年 1.25%
Zurich US Dollar Money Fund : 0.75% p.a.
苏黎世美元货币基金：每年 0.75%
Zurich Hong Kong China Fund : 1.75% p.a.
苏黎世香港中国基金：每年 1.75%
Zurich Eastern Europe Fund / Zurich Korea Fund / Zurich Global Resources Fund : 2% p.a.
苏黎世东欧基金 / 苏黎世韩国基金 / 苏黎世环球资源基金：每年 2%
Set up charge The set up charge will be deducted from the contribution before investing into the selected funds.
开户费用    此费用将会从供款中在存入所选择的基金前扣除。
Single contribution amount (US$) Charge (% of contribution)
12,500 5 %
25,000 4 %
75,000 3 %
150,000 2 %
供款金额（美元）    费用（供款百分比）
12,500     5%
25,000     4%
75,000     3%
150,000     2%
Early surrender charge (if applicable)
提前退保费用（若适用）
The early surrender charge will apply in the event of withdrawal from investment account in the first 3 years of the policy.
此费用适用于保单生效首 3 年内作投资账户提取。
If the original investment account balance is not more than US$25,000, the surrender or withdrawal amount is subject to the charge rate stated in the right column.
若原有的投资账户结余为不多于 25,000 美元，则退保或提取的金额须 缴付右列费用。
If the original investment account balance is above $25,000, the remaining investment account balance after early surrender is below US$25,000, the difference between US$25,000 and remaining balance is subject to the charge rate stated in the right column.
若原有的投资账户结余为 25,000 美元以上，而提取款项后的投资账户结余为25,000 美元以下，则 25,000 美元与投
资账户结余之差额，须缴付右列费用。
3% in the 1st year of policy
保单生效首年为3%
2% in the 2nd year of policy
保单生效第2年为2%
and 1% in the 3rd year of policy
保单生效第3年为1%
Waived after 3 years of policy inception
保单生效3年后全免
If the remaining investment account balance reaches US$25,000 or above. Totally waived
若提取款项后的投资账户结余为完全豁免25,000 美元或以上。
• Zurich Life reserves the right to vary these charges, including the waiver of bid offer spread or impose new charges in accordance with the terms of the policy. Any variation of charges or new charges imposed will be subject to not less than 3 months notice except where it is not possible and, if appropriate, a shorter notice approved by Securities and Futures Commission (the SFC) in writing to all Policy Owners.
•  苏黎世人寿或会因应保单内条款改变上述收费（包括豁免基金买卖差额）或增加新收费项目。如有更改
或增加，在可行情况下，将于不少于 3 个月前或取得证券及期货事务监察委员会（证监会）同意下以较
短时间以书面通知所有保单持有人。
• The above charges do not include the trustee fee. The trustee fee will be charged only when you appoint Zurich Trust Limited as Trustee for managing the death benefits / trust interests received. A scale of trustee fees can be provided upon request.
•  上述收费及费用并未包括信托人收费。当您委任 Zurich Trust Limited 为信托人管理死亡赔偿 / 保单得
益时，苏黎世人寿将会征收信托人收费，收费详情将按要求提供。
• You are advised to read the respective prospectus of the underlying funds mentioned in the Investment Details for details and charges of the underlying funds. Copies of the respective prospectus of the underlying funds are made available from Zurich Life Insurance Company Limited.
•  阁下必须阅读投资资料综览中涉及的相关基金说明书以便了解有关详细资料及相关基金的收费。欢迎向苏黎世人寿索取有关的相关基金说明书。
It is important you should carefully read this product brochure, Investment Details and the relevant policy provisions before making an investment decision. Please keep this product brochure with your other “Harvest Link” documents. You are advised to seek professional advice from your own circumstances.
当您作出任何投资决定前，请细心阅读本产品册子、投资资料综览及其它相关保单条款，并将本产品册子与其它「富岁宝」退休保障计划文件一并保留。您应就个人的情况咨询专业意见。
Further information
其它事项
• Cooling-off period
•     冷静期
- Changing your mind is your right. You may cancel and return the policy together with a written notice signed by you within 14 days after the issuance of the policy; or 21 days after the date of application; or 14 days after
the date of copying customer protection declaration to your existing insurer if your policy is replacement; or 5 days after the issuance of the notification letter of the availability of the policy, whichever is later. The refund of your contribution(s) may be adjusted downwards to reflect changes in the market values of the underlying
assets of the unitized funds in which your contributions were invested between the date of the issue of the policy and the date of cancellation.
-  我们希望「富岁宝」退休保障计划能满足您的投资理财需要，实现理想。若您需要取消保单，可在投保表格签署日后起计 21 天内；或保单内所注明的保单签发日后起计 14 天内；或由「客户保障声明书」副本交付被取代保单的保险公司当日后起计 14 天内（如属转保）；或新保单通知书发出日后起计 5天内（以最迟者为准）退回保单并以亲笔签名函件取消保单。保单取消后，您便可获退回供款，惟所退回之供款可能根据保单签发日期与取消当日之单位基金资产市值差距作出下调。
• Application for the policy
•     计划申请
- If you wish to apply for the policy, please sign the illustration document before signing the application form and submit them together with the contribution amount to us.
-  阁下如欲投保，请先签妥计划说明文件，然后填妥申请表格并连同供款一并提交予本公司。
• Suspension or deferral of surrenders, partial surrender, retirement income withdrawal and fund switches
•     暂缓或延迟退保、部份提款、退休入息提款及转调基金
- In the event of the funds being invested significantly in land, or building, or in the reasonable opinion of the actuary that it is impossible or impractical to effect a valuation or redemption of the underlying assets, the Company may suspend or defer the cancellation or redemption of units for up to 6 months (no interest will be paid
during such period).
-  如基金的资产大部份投资于土地、房产或根据精算师的合理评估认为进行基金估值或赎回属下资产是不可行或不符合实际情况，本公司可能暂缓或延迟扣减或赎回单位，最长为6个月（在此期间将不会支付任何利息）。
• Death claim
•     索取死亡赔偿
- In the event of a death claim, a completed claim form and proof of the death of the Life Insured should be submitted to the Company. If the death benefits are not paid within 30 days after receipt of the necessary documents, interest calculated from the expiry of the said 30-day period will be paid at the prevailing savings interest rate of the plan currency published by a commercial bank in Hong Kong.
-  请填妥索偿表格，连同受保人身故的证明文件提交予本公司。如本公司接获所有文件后30 天内仍未能支付死亡赔偿，则赔偿金额将于 30 天后开始计付利息，利率则为保单货币于香港任何一家商业银行的现行储蓄利率。
• Taxation
•     税项
- Interest, income and capital gains are exempt from taxation under the Inland Revenue Ordinance. However, you should seek professional advice on your personal situation.
-  根据香港税务条例，利息、投资收益及资本增值均豁免纳税，但您仍须按个人情况谘询专业意见。
• Fund closure
•     基金结束
- Zurich Life has a right to close any unitized funds under special situation. In the event of fund closure, the Company shall notify all Policy Owners in writing for a period of not less than 3 months in advance, except where
this is not possible and, if appropriate, for a shorter period approved by Securities and Futures Commission (the SFC).
-  苏黎世人寿有权因应特殊情况，提早结束任何单位基金。若基金结束，本公司在可行情况下，将于不少于 3 个月前或取得证券及期货事务监察委员会（证监会）同意下以较短时间以书面通知所有保单持有人。
• Changes to fund
•  更改基金内容
- In the event of changes to fund, Zurich Life shall notify all Policy Owners in writing for a period of not less than 3 months in advance, except where this is not possible and, if appropriate, for a shorter period approved by Securities and Futures Commission (the SFC).
-  若基金内容需作更改，苏黎世人寿在可行情况下，将于不少于 3 个月前或取得证券及期货事务监察委员会（证监会）同意下以较短时间以书面通知所有保单持有人。
• Responsibility
•  责任
- Zurich Life Insurance Company Limited has taken all reasonable care to ensure the information in this brochure is accurate at the time of printing and accepts responsibility accordingly. However, changes in the law or practice of taxation, exchange control and other regulations are always possible and may affect the validity of statements made.
-  苏黎世人寿已采取所有合理行动，确保本产品册子的内容于付印时准确无讹，并就此承担责任。但有关的税务法律、外汇管制或其他规例之修定，将可能影响本文所载声明的准确性。
• Governing law
• 监管法例
- Your policy will be issued and interpreted in accordance with Hong Kong Laws.
-  本计划的签发及条款全以香港法例为依据及诠释。
• Details
•     计划详情
- Full details on policy terms and conditions are available upon request.
-    「富岁宝」退休保障计划之各项细节已详列于保单条款与规章上，欢迎随时索阅。