Financial Needs Analysis Limited-Time Offer
As Hong Kong‘s first digital bank offering comprehensive online and offline insurance services， PAObank is here to help you plan your finances for the new year with an exclusive limited-time offer! From now until 31 March 2026 (the "Promotion Period"), Eligible Customers1 who schedule a meeting with PAObank Insurance Specialist to complete the Financial Needs Analysis (the “FNA”)2 can receive a HK$200 supermarket voucher!
* Limited quantities while stocks last, do not miss this opportunity!
Schedule an appointment immediately with our Insurance Specialist by using one of the following methods to complete the FNA and learn more about insurance products and premium discounts:
- Login to the PAObank App and select a life insurance product of interest to make an appointment (see steps illustrated below)
- Email to [email protected] to provide the proposed meeting date, time, and contact number. (Appointment hours: Monday to Friday, 9:00 AM to 5:00 PM, excluding public holidays)
- Call 3762 9820
*This offer is subject to the terms and conditions of the " Financial Needs Analysis Limited-Time Offer". For inquiries, please contact our Customer Service Hotline at 3762 9900.
1 Eligible Customers should hold an active PAObank retail account.
2 Customers should schedule a meeting with PAObank Insurance Specialist to complete the FNA at PAObank (Room 1903-04, Neo, 123 Hoi Bun Road, Kwun Tong, Kowloon, Hong Kong).
Steps to schedule a meeting with our Insurance Specialist via PAObank App
1. Log in to the PAObank App and select Insurance at the bottom of page.
2. Select a life insurance product of interest
3. Schedule a meeting by filling in the required information
Above screens are for reference only
Life insurance products important notes and disclaimers
- PAO Bank Limited (Insurance Intermediary License No: [GA1067]) (“PAObank”) is the appointed insurance agency of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life"), to distribute life insurance products in the Hong Kong Special Administrative Region.
- Relevant life insurance products are the products of the insurance companies but not PAObank. The above life insurance product(s) is/are issued and underwritten by FWD Life. Each life insurance plan is a long term insurance plan with a savings element, and is neither a bank deposit nor a bank savings plan with free life insurance coverage. Part of the premium pays for the insurance and related costs. The premium paid is not a placement of a savings deposit with a bank and hence is not protected by the Deposit Protection Scheme in Hong Kong. FWD Life reserves the right to decide at its sole discretion to accept or decline any application for life insurance product according to the information provided by the proposed Insured and the customer at the time of application.
- PAObank's role is limited to distributing insurance products of FWD Life only and PAObank shall not be responsible for any matters in relation to the provision of the insurance products and shall not be liable regarding all disputes arising from or in connection with the terms and conditions of the insurance products.
- PAObank will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
- Add-on plan (if any) is an add-on coverage for this insurance plan with additional premium payment requirement. PAObank does not distribute any add-on plan; therefore, you cannot apply for the add-on plan through PAObank. If needed, you can contact FWD Life Customer Service Centre for inquiry after the policy is issued by FWD Life.
- In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between PAObank and the customer out of the selling process or processing of the related transaction, PAObank is required to enter into a Financial Dispute Resolution Scheme process with the customer. However, any dispute over the contractual terms of the life insurance product should be resolved between FWD Life and the customer directly. The relevant product materials and information is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference only, and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance product in or outside Hong Kong.
- Claims under this insurance plan must be made by you to FWD Life directly. You can obtain the appropriate claim form by calling FWD Life Customer Service Hotline (852) 3123 3123 in Hong Kong or visiting www.fwd.com.hk or any FWD Life Customer Service Centre. For details, please refer to the policy contract provided by FWD Life.
- The information you disclosed in response to all FWD Life’s questions must be true, complete and correct. Failure to disclose true, complete and correct information to FWD Life may render FWD Life unable to accept or process your application or the policy void.
- You are reminded to carefully review the relevant product materials provided to you and be advised to seek professional / independent advice when considered necessary.
- For the benefits and returns stated in the product brochure and Important Notes, please note that the policy owner is subject to the credit risk of FWD Life. If the policy owner discontinues and / or surrenders this policy in early policy years, the amount of benefits he / she may receive may be considerably less than the total premiums he / she has paid. Any projected and / or potential benefits with non-guaranteed returns (e.g. annual dividends, terminal dividend, interests) presented in the product brochure are not guaranteed and are for illustrative purposes only. The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.
- Apart from the key product risks mentioned in product brochure, you are also reminded of the following risks, including but not limited to:1. Liquidity risk – this insurance plan is designed to be held over the long term. You should only apply for this insurance plan if you intend to pay the premium for the whole of the premium payment term. If you fail to pay the premium for the whole of the premium payment term, this will cause the policy to lapse or to be terminated earlier than the original policy term, and the total surrender value (if any) that you may receive may be less than the total premiums paid.2. Risk from surrender – if you cancel the policy before the end of the policy term, you may suffer a significant loss, and the total surrender value you may receive may be substantially less than the total premiums paid.3. Non-guaranteed dividend scale (if applicable) – non-guaranteed benefits are based on the dividend scale of FWD Life determined under the current assumed investment return. The actual amount payable may change anytime with the values being higher or lower than those being projected. In other words, a change in the current assumed investment return will affect the annual dividend and terminal dividend you may receive. Under some circumstances, the non-guaranteed benefits may be zero.
- Pursuant to the Insurance (Levy) Regulation (Cap. 41I) and the Insurance (Levy) Order (Cap. 41J) under the Insurance Ordinance (Cap. 41), the Insurance Authority (“IA”) collects levies for insurance premiums from policyholders with effect from 1 January 2018. For further details, please visit the website of IA. For the latest information about the IA, please visit https://www.ia.org.hk. For the latest information about The Insurance Complaints Bureau, please visit https://www.icb.org.hk.
The above does not contain the full terms and conditions of the relevant insurance policy. For details of the main policy benefits, protection of rights and interests, full version of terms & conditions, exclusions and risk disclosures, please refer to the PAObank APP product page, the relevant product brochure and policy provisions.