^* “124% average terminal dividend fulfilment ratio” refers to the average of the terminal dividend fulfilment ratios across Hang Seng Insurance participating insurance products for the 2025 reporting year (with all policy currencies of the relevant insurance products taken into account). This average is calculated based on all terminal dividend fulfilment ratios required to be disclosed for the 2025 reporting year, of which the 91 applicable terminal dividend fulfilment ratios are all 100% or above. These average fulfilment ratio, historical fulfilment ratio information and performance are for reference only and do not constitute an indicator of the future performance of participating products. For details and the latest fulfilment ratio information, please visit  https://www.hangseng.com/en-hk/hangseng-insurance/fulfilment-ratio/.

^* “124% average terminal dividend fulfilment ratio” refers to the average of the terminal dividend fulfilment ratios across Hang Seng Insurance participating insurance products for the 2025 reporting year (with all policy currencies of the relevant insurance products taken into account). This average is calculated based on all terminal dividend fulfilment ratios required to be disclosed for the 2025 reporting year, of which the 91 applicable terminal dividend fulfilment ratios are all 100% or above. These average fulfilment ratio, historical fulfilment ratio information and performance are for reference only and do not constitute an indicator of the future performance of participating products， please visit Hang Seng Bank website >"Personal" > "Insurance & MPF" >"Other information">"Fulfillment Ratio".​

^ Promotion Period lasts from 1 July 2026 until 30 September 2026 (Both dates inclusive). During the Promotion Period, each Eligible Policyholder is entitled to the respective designated amount of shopping coupon or gift (including: a piece of God of Wealth & Gallant Horse 999.9 Pure Gold Medal Ruyi Knot (1.8grams) or a piece of God of Wealth & Gallant Horse 999.9 Pure Gold Medal (6.1grams)), once the total premiums ((before applying relevant Premium Discount (if any)) of the Eligible Policy(ies) has reached the designated requirement. The above offers are subject to terms and conditions.

1. The God of Wealth & Gallant Horse 999.9 Pure Gold Medal Ruyi Knot (1.8grams) is 30mm in diameter, it was valued at approximately HKD2,000 (the value excluded the manufacturing cost), according to the supplier’s gold price on 28 October 2025.The actual gold weight is subject to the actual product. The photo shown above is for reference only.
2. The God of Wealth & Gallant Horse 999.9 Pure Gold Medal (6.1grams) is 35mm in diameter, it was valued at approximately HKD7,000 (the value excluded the manufacturing cost), according to the supplier’s gold price on 28 October 2025.The actual gold weight is subject to the actual product. The photo shown above is for reference only.

^# Source: HSBC Holdings plc - HSBC Life HNW Legacy Planning Report, survey results from 908 high net worth individuals.

Terms and conditions apply.

Disclaimer
Source: 10Life Insurance Comparison Platform. FamilyPower Multi-Currency Life Insurance Plan 2 has achieved Savings (Golden 10 Years) in 10Life 5-Star Insurance Award 2026 (As of 2 January 2026). For details, please visit www.10life.com .

www.10life.com and 10Life APP as of 2 January 2026. For the rating evaluation method and assumptions used, please refer to its website. The score information is for reference only, it should not be considered and constitute as any endorsement or recommendations of any website or platform by us, or any recommendation, solicitation or purchase invitation of any products or services.

Disclosure of Information
The above information is a product summary of information for reference only. These Plans is intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited. Please refer to the promotion leaflets/flyers and contracts for the important information such as detailed coverage, exact Terms and Conditions and exclusions of the relevant Life Insurance Plan. Please refer to the product brochure for the relevant product risks.

The above Life Insurance Plan is underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the insurance products are the products of Hang Seng Insurance Company Limited but not Hang Seng Bank. Hang Seng Insurance will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. 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 Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly. If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values.

The benefits and/or returns mentioned throughout this material are not guaranteed and for illustrative purpose only. The actual future amounts of benefits and/or returns may be lower than or higher than the currently quoted benefits and/or returns. The policyholder is subject to the credit risk of “Hang Seng Insurance”. If the policyholder discontinues and/or surrenders this policy in early policy years, the amount of benefits you will get back may be considerably less than the total premiums you have paid. All details regarding policy surrender should be referred to the relevant policy provisions.