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HSBCFIN |
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PICS 2020Jun (CRS) (Nov 2024) |
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Financial Needs Analysis (for Policyholder) |
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ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ |
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Note: Please answer all questions in this form. Do NOT sign on this form if any questions are unanswered and |
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have not been crossed out. |
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ൗ : ሗΫഈৌਕცࠅʱؓࣸڌʫٙהϞਪᕚfνϞО͊Ϋഈٙਪᕚ͊м̘dሗʔࠅίࣸڌɪᖦf |
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YOUR PROFILE આٙࡈɛ༟ࣘ Name in Chinese (if any) ʕ˖֑ΤνϞ |
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Name in English ߵ˖֑Τ |
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Gender й Date of Birth ̈͛˚ಂ |
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Marital Status رًۿ Number of dependents બԶቮɛᅰͦ |
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Occupation ᔖุ Contact number ᑌഖཥ༑ |
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Education Level ԃܓ Completed Secondary ʕኪଭุ |
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Primary 6 or below ʃʬ˸אɨ Others Չ˼ |
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University or above ɽኪ˸אɪ |
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YOUR FINANCIAL INFORMATION આٙৌਕ༟ࣘ |
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Average Monthly Income in the past 2 years [A] USD ߕʩ |
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(Examples: personal income and other types of income such as dividends, interest, rental income, |
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etc.) USD ߕʩ |
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ཀ̘Շϋٙӊ˜̻ѩϗɝԷ : ࡈɛϗɝʿՉ˼ᗳۨٙϗɝdԷνٰࢹdлࢹdॡږϗɝഃ USD ߕʩ |
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USD ߕʩ |
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Average Monthly Expenses in the past 2 years [B] USD ߕʩ |
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(Examples: living expenses, repayment of loans, rent/mortgage redemption, existing life and Year ϋ |
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general insurance premiums, etc.) USD ߕʩ |
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ཀ̘Շϋٙӊ˜̻ѩක˕Է : ͛̈˕ݺd൲ಛᒔಛdॡږŊܲ౧ᒔಛdତϞɛྪʿɓছڭᎈڭ൬ഃ |
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Monthly Repayment Amount of Existing Premium Financing (if applicable) [C] = [Y] + [Z] |
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ӊ˜ٙତϞڭ൬ፄ༟ᒔಛᕘνቇ͜ |
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Monthly Interest Repayment Amount [Y] |
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ӊ˜ٙڭ൬ፄ༟лࢹᒔಛᕘ |
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Monthly Principal Repayment Amount [Z] |
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ӊ˜ٙڭ൬ፄ༟͉ږᒔಛᕘ |
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Remaining Repayment Tenor of Existing Premium Financing (if applicable) [D] |
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௵ቱٙତϞڭ൬ፄ༟ᒔಛϋಂνቇ͜ |
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Note: Take the longest tenor if having more than one premium financing facility(ies) |
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ൗ : νܵϞεɓධڭ൬ፄ༟τરd˸௰ڗϋಂމ |
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Monthly Disposable Income ӊ˜̙ਗ͜ϗɝ [E] = [A] - [B] - [C] |
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HSBC Life (International) Limited Incorporated in Bermuda with limited liability ϵᅉ༺ൗ̅ϓͭʘϞࠢʮ̡ |
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滙 豐 人 壽 保 險（ 國 際 ）有 限 公 司 Hong Kong SAR Office Address: 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong |
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࠰ಥतйБ݁ਜ፬ԫஈήѧj࠰ಥɘᎲଉ༸ 1 䁩ᔮʕː 1 ࢭ 18 ᅽ |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc1/15 |
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ASSETS AND LIABILITIES ༟ପʿࠋව |
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Liquid Assets [F] USD ߕʩ |
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ݴਗ༟ପ |
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Note: Liquid assets are assets which can be easily turned into cash. Real estate, coin collection USD ߕʩ |
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and artwork are not considered to be liquid assets. |
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ൗ : ݴਗ༟ପܸ̙݊˸࢙ᜊމତږٙ༟ପfุيe፺࿆ϗᔛʿᖵஔۜѩʔൖݴމਗ༟ପf USD ߕʩ |
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Examples: cash, savings in bank accounts & money market accounts, actively traded stocks, bonds USD ߕʩ |
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and mutual funds, US Treasury bills, etc. USD ߕʩ |
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Է : ତږeვБሪ˒ʿ࿆̹ఙሪ˒πಛeʹҳݺᚔٰٙୃeවՎʿʝਿږeߕࢫවՎഃ USD ߕʩ |
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Other Personal Loans and Debts [G] |
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Չ˼ࡈɛ൲ಛʿවਕ |
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Examples: credit card loan, outstanding investment financing facilities, overdraft and any other |
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personal loans, etc. |
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Է : ̔͜ڦ൲ಛe͊Ꮅᒔٙҳ༟ፄ༟൲ಛeீ˕ʿОՉ˼ࡈɛ൲ಛഃ |
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Outstanding Premium(s) of Pending Application(s)* and Existing Life Insurance to be paid by Liquid |
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Assets [H] |
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˸ݴਗ༟ପᖮ˹͍ίҳ * ڭʿତϞɛྪڭఊٙڭ൬ |
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* Pending Application(s) refers to any life insurance application(s) other than this application that |
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you have submitted to other insurer(s) and/or HSBC Life and the premium(s) of which will be |
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paid by you. ͍ίҳڭڭఊܸ݊ৰ͉͡ሗ̮આٙОʊʹʚՉ˼ڭᎈʮ̡ʿŊא䁩ᔮڭᎈʿਗ਼͟આ |
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ᖮ˹ڭ൬ٙՉ˼ɛྪڭఊ͡ሗf |
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Outstanding Repayment Amount of Existing Premium Financing (if applicable) |
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[I] = [C] x 12 x [D] |
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௵ቱٙڭ൬ፄ༟ᒔಛᕘ ( νቇ͜ ) |
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Net Liquid Assets ଋݴਗ༟ପ [K] = [F] – [G] – [H] – [I] |
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Outstanding Principal of Existing Premium Financing (if applicable) [J] |
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͊Ꮅᒔٙڭ൬ፄ༟͉ږνቇ͜ |
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YOUR GOALS આٙͦᅺ |
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1. What are your objectives for seeking to purchase an insurance product? (tick one or more) |
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ტɨ፯ᒅڭᎈପۜٙͦᅺމО ?ʵ፯ɓධאεධ |
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a) Financial protection against adversities (e.g. death, accident, disability etc) |
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މᏐ˹ʔࣛʘცԶৌਕڭღԷνjԒ݂dจ̮dಞशഃ |
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b) Preparation for health care needs (e.g. critical illness, hospitalization etc) |
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މᏐ˹ᔼᐕڭცࠅԷνjΚशdИ৫ഃ |
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Critical Illness Κश |
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Medical Indemnity ᔼᐕሦᎵ |
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Long Term Care ڗಂᚐଣ |
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c) Providing regular income in the future (e.g. retirement income etc) |
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͊މԸԶ֛ಂٙϗɝԷνjৗ;ϗɝഃ |
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d) Saving up for the future (e.g. child education, retirement etc) |
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͊މԸცࠅЪᎷႅԷνjɿɾԃdৗ;ഃ |
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e) Investment ҳ༟ |
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To meet your “Investment” objective indicated above, how would you prefer to manage different investment options/investment |
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choices, if available, under the insurance product? (tick one) |
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ྼމତɪࠑҳ༟ٙͦᅺdტɨҎૐνО၍ଣڭᎈପۜධɨٙʔΝҳ༟፯ධŊҳ༟፯νϞkʵ፯ɓධ |
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I want to make my own decisions (without any professional advice to be provided by the authorized insurer and/or licensed |
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insurance intermediaries) to choose and manage different investment options/investment choices, if available, under an |
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insurance product, and I am willing to do it throughout the entire duration of the target benefit/protection period of an |
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insurance product |
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͉ɛᗴจܲࡈɛӔ֛ˡᐏબᛆڭᎈɛʿŊܵאڭᎈʕʧɛԶОਖ਼ุจԈٙઋر፯ʿ၍ଣڭᎈପۜධɨٙʔΝҳ༟፯ධ |
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Ŋҳ༟፯νϞdԨ˲ᗴจίڭᎈପۜٙͦᅺлूŊڭღಂٙࡈಂගЪ̈ϤӔ֛f |
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I want to make my own decisions (with professional advice to be provided by the authorized insurer and/or licensed |
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insurance intermediaries) to choose and manage different investment options/investment choices, if available, under an |
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insurance product, and I am willing to do it throughout the entire duration of the target benefit/protection period of an |
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insurance product |
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͉ɛᗴจܲࡈɛӔ֛ᐏબᛆڭᎈɛʿŊܵאڭᎈʕʧɛԶਖ਼ุจԈٙઋر፯ʿ၍ଣڭᎈପۜධɨٙʔΝҳ༟፯ධŊҳ༟ |
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፯νϞdԨ˲ᗴจίڭᎈପۜٙͦᅺлूŊڭღಂٙࡈಂගЪ̈ϤӔ֛f |
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I do not want to choose or manage different investment options/investment choices, if available, under an insurance product |
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͉ɛʔᗴจ፯א၍ଣڭᎈପۜධɨٙʔΝҳ༟፯ධŊҳ༟፯νϞf |
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f) Others Չ˼Please specify ሗႭ |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc2/15 |
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TOTAL PROTECTION AND SAVINGS NEEDS |
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2a) Life Protection needs ɛྪڭღცࠅ |
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If you have selected “Financial protection against adversities” or¨Others©(a protection-related objective) as one of your objective(s) of |
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buying an insurance product in question 1, please answer the below question. (Please choose only one option) |
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νტɨɪࠑਪᕚ 1 ʕ፯މᏐ˹ʔࣛʘცԶৌਕڭღאՉ˼ڭღٙᗫͦᅺЪމ፯ᒅڭᎈପۜٙՉʕɓࡈͦᅺdሗΫഈ˸ɨਪᕚf |
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ሗ̥፯ɓධ |
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The target life protection amount for the proposed Life Insured in this life insurance application is வ΅ɛྪڭᎈ͡ሗʕٙաڭɛٙ |
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ͦᅺɛྪڭღږᕘ މUS$ ߕʩ . |
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I wish to go through an evaluation to determine the life protection amount for the proposed Life Insured in this life insurance |
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application: |
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͉ɛҎૐீཀආБ൙П˸̈வ΅ɛྪڭᎈ͡ሗʕٙաڭɛٙɛྪڭღږᕘ |
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[Note: Please conduct this evaluation for vulnerable customer.] |
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[ ൗ : ሗމतйᗫᚥٙ˒܄ආБϤ൙П ] |
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Evaluation ൙П US$ ߕʩ |
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+ |
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Family protection (e.g. living expenses of dependents, etc.) |
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ࢬڭღԷjաԶቮɛٙ͛ݺක˕ഃ |
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Liabilities ࠋව |
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Assets ༟ପ – |
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Existing life insurance coverage, including group insurance benefits, etc. – |
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ତϞɛྪڭღܼ̍ྠɛྪڭღഃ |
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Protection amount I am looking for is estimated to be = |
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͉ɛరӋٙڭღږᕘПၑމ |
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Target life protection amount for the proposed Life Insured in this life insurance application is estimated to be வ΅ɛྪڭᎈ͡ሗʕٙ |
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աڭɛٙͦᅺɛྪڭღږᕘߒ މUS$ ߕʩ . |
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2b) Critical Illness Protection Needs Κशڭღცࠅ |
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If you have selected “Preparation for health care needs – Critical Illness” as one of your objective(s) of buying an insurance product in |
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question 1, please answer the below question. |
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νტɨɪࠑਪᕚ 1 ʕ፯މᏐ˹ᔼᐕڭცࠅ – ΚशЪމ፯ᒅڭᎈପۜٙՉʕɓࡈͦᅺdሗΫഈ˸ɨਪᕚf |
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The target critical illness protection amount for the life insured in this life insurance application is வ΅ɛྪڭᎈ͡ሗʕٙաڭɛͦᅺΚ |
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शڭღږᕘ މUS$ ߕʩ . |
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2c) Savings Needs Ꮇႅცࠅ |
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If you have selected “Providing regular income in the future” or “Saving up for the future” or “Investment” or “Others” (a wealth |
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accumulation-related objective) as one of your objective(s) of buying an insurance product in question 1, please answer the below |
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question. (Please choose only one option) |
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νტɨɪࠑਪᕚ 1 ʕ፯͊މԸԶ֛ಂٙϗɝi͊މאԸცࠅЪᎷႅiאҳ༟iאՉ˼ৌబᄣ࠽ٙᗫͦᅺЪމ፯ᒅڭᎈପۜ |
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ٙՉʕɓࡈͦᅺdሗΫഈ˸ɨਪᕚfሗ̥፯ɓධ |
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My target saving amount on ( years) to be addressed by this life insurance application is ͉ɛ ϋீཀ |
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வ΅ɛྪڭᎈ͡ሗ༺ߧٙͦᅺᎷႅږᕘ މUS$ ߕʩ . |
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I do not have a specific target saving amount, but I would like to use the total amount of premium payment for savings purpose. ͉ |
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ɛӚϞɓࡈत֛ཫಂࠅ༺ՑٙᎷႅږᕘdШ͉ɛึ͜ᖮ˹ڭ൬ٙᐼږᕘЪᎷႅʘ͜f |
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3. What is your target benefit/protection period/expected timeframe for meeting the target amount for insurance policy? (tick one) |
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ტɨٙڭఊͦᅺлूŊڭღಂŊྼତͦᅺږᕘٙཫಂࣛගމkʵ፯ɓධ |
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< 1 year ϋ 1-5 years ϋ 6-10 years ϋ |
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11-15 years ϋ 16-20 years ϋ > 20 Years ϋ |
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Whole of life Ԓ |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc3/15 |
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4. Your ability and willingness to pay insurance premiums ტɨᖮ˹ڭ൬ٙঐɢʿจᗴj |
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For how long are you able and willing to pay for an insurance policy? (tick one) |
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ტɨঐʿᗴจڭމఊ˕˹ڭ൬ٙϋಂ? މʵ፯ɓධ |
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2-5 years ϋ 6-10 years ϋ 11-15 years ϋ 16-20 years ϋ |
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> ൴ཀ 20 Years ϋ |
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Whole of life Ԓ |
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A single payment ɓϣ˹ಛ |
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5. My planned/actual retirement age is ͉ɛཫಂŊྼყৗ;ϋᙧމj |
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6. Will the premium payment term go beyond your planned/actual retirement age? ڭ൬ᖮ˹ಂਗ਼൴൳આٙཫಂŊྼყৗ;ϋᙧk |
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½ Yes ݊ |
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½ No щ |
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½ N/A (since single payment is selected as premium payment mode) ʔቇ͜͟፯ᙌᖮЪڭމ൬ᖮ˹˙ό |
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If ‘Yes’ is chosen above, please specify the source(s) of funds and provide the following information to facilitate affordability |
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assessment: |
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νɪࠑഈࣩ፯݊dሗႭ༟ږٙԸ๕ʿԶ˸ɨ༉ઋ˸کп൙Пტɨٙࠋዄঐɢj |
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½ Expected monthly income following retirement ཫಂৗ;ܝٙӊ˜ϗɝ : US$ ߕʩ |
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Please specify source(s) of funds ሗႭ༟ږٙԸ๕ : |
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½ Expected one-off amount receivable following retirement ཫಂৗ;ܝɓϣ̙ٙږᕘ : US$ ߕʩ |
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Please specify source(s) of funds ሗႭ༟ږٙԸ๕ : |
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(Please complete the following if your monthly expenses following retirement will be different from your monthly expenses stated in |
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YOUR FINANCIAL INFORMATION above)νტɨৗ;ܝٙӊ˜ක˕ၾɪࠑઆٙৌਕ༟ࣘٙӊ˜ක˕ʔୌdሗҁϓ˸ɨ΅ |
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Expected monthly expense following retirement ཫಂৗ;ܝٙӊ˜ක˕ : US$ ߕʩ |
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Please state the reason why your monthly expense following retirement will be different from your monthly expenses stated in YOUR |
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FINANCIAL INFORMATION above ሗႭৗ;ܝٙӊ˜ක˕ၾɪࠑઆٙৌਕ༟ࣘٙӊ˜ක˕ʔΝٙࡡΪ : |
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Remarks ௪ൗ : |
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• Monthly Disposable Income you have before retirement will not be used to assess your affordability for any premium payable |
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after your retirement. Monthly Disposable Income you expect to have following retirement will only be relevant for assessing your |
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affordability for any premium payable after your retirement. ტɨৗ;ۃٙӊ˜̙ਗ͜ϗɝਗ਼ʔึ͜Ъ൙Пტɨৗ;ܝცᖮ˹Оڭ൬ٙ |
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ࠋዄঐɢfϾტɨཫಂৗ;ܝٙӊ˜̙ਗ͜ϗɝ̥ึ͜Ъ൙Пტɨৗ;ܝცᖮ˹Оڭ൬ٙࠋዄঐɢf |
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• Expected one-off amount receivable following retirement (if any) is only relevant to the assessment of your affordability for premium |
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payable after your retirement. ტɨཫಂৗ;ܝɓϣ̙ٙږᕘνϞ̥ึ͜Ъ൙Пტɨৗ;ܝٙᖮ˹ڭ൬ࠋዄঐɢf |
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• If you choose to pay premium with net liquid asset and your monthly disposable income < 0, the shortfall in living expenses would |
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be first deducted from your net liquid assets before we conduct the affordability assessment. νტɨ፯˸ଋݴਗ༟ପᖮ˹ڭ൬Ͼტ |
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ɨٙӊ˜̙ਗ͜ϗɝ <0dҢࡁਗ਼ίආБࠋዄঐɢ൙Пʘۃტɨٙଋݴਗ༟ପϔಯ͛ݺක˕ٙʔԑᕘf |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc4/15 |
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7. In considering your ability and willingness to make payments, what is/are your source(s) of funds? (You can choose more than one |
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option) |
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ఱტɨᖮ˹ڭ൬ٙঐɢʿจᗴdሗਪტɨٙ༟ږԸ๕? މტɨ̙፯εɓධ |
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Disposable income, including salary, income, etc. ̙ਗ͜ϗɝdܼ̍ᑚཇdϗɝഃ |
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Net liquid assets, including savings, investments, etc. ଋݴਗ༟ପdܼ̍Ꮇႅdҳ༟ഃ |
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Premium Financing ڭ൬ፄ༟ |
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Others Չ˼ ^ |
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Please specify the source(s) of funds ሗႭ༟ږԸ๕j |
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Expected monthly income starting in a month ཫಂɓࡈ˜ʫਗ਼කٙӊ˜ϗɝjUS$ ߕʩ |
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Expected one-off amount in a month ཫಂɓࡈ˜ʫ̙ٙɓϣږᕘjUS$ ߕʩ |
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^ If any, expected monthly income starting in a month and expected one-off amount in a month from other source(s) of funds are |
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considered as part of your disposable income and your net liquid assets respectively for assessing your ability and willingness to pay |
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insurance premiums. |
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νϞd͟Չ˼༟ږԸ๕הٙཫಂɓࡈ˜ʫਗ਼කٙӊ˜ϗɝʿཫಂɓࡈ˜ʫ̙ٙɓϣږᕘਗ਼ʱйॶɝίტɨ̙ٙਗ͜ϗɝʿଋݴਗ |
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༟ପd˸Ъ൙Пტɨᖮ˹ڭ൬ٙঐɢʿจᗴf |
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8a) If you have selected “Disposable income, including salary, income, etc.” as one of your sources of funds in question 7, please answer |
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the below question. |
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νტɨɪࠑਪᕚ 7 ʕ፯̙ਗ͜ϗɝdܼ̍ᑚཇdϗɝഃЪމ༟ږԸ๕dሗΫഈ˸ɨਪᕚf |
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What percentage of your monthly disposable income (i.e. after deducting the expenditure) from all sources (including income from liquid |
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assets) would you be able and willing to use to pay for the insurance premium (including your existing insurance policy(ies)) throughout |
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the entire term of the insurance policy? (tick one) |
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ίࡈڭఊಂʫdტɨঐʿᗴจᖮ˹ٙڭ൬ܼ̍ტɨତϞٙՉ˼ڭఊЦீཀהϞϗɝԸ๕ܼ̍ݴਗ༟ପϗɝᐏٙӊ˜̙ਗ͜ϗɝу |
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ϔৰක˕ٙˢଟމkʵ፯ɓධ |
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< 10% |
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10% – 20% |
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21% – 30% |
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31% – 40% |
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41% – 50% |
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> 50% |
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8b) If you have selected¨Net liquid assets, including savings, investments, etc.” as one of your sources of funds in question 7, please |
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answer the below question. |
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νტɨɪࠑਪᕚ 7 ʕ፯ଋݴਗ༟ପdܼ̍Ꮇႅdҳ༟ഃЪމ༟ږԸ๕dሗΫഈ˸ɨਪᕚf |
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What percentage of your net liquid assets would you be able and willing to use to pay for the insurance premium (including your existing |
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insurance policy(ies)) throughout the entire term of the insurance policy? |
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ίࡈڭఊಂʫdტɨঐʿᗴจᖮ˹ٙڭ൬ܼ̍ტɨତϞٙՉ˼ڭఊЦტɨଋݴਗ༟ପٙˢଟމk |
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< 10% |
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10% – 20% |
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21% – 30% |
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31% – 40% |
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41% – 50% |
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> 50% |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc5/15 |
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Please complete by the Licensed Insurance Intermediary if premium financing is selected |
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νʵ፯ڭ൬ፄ༟dܵ͟ڭᎈʕʧɛ෬ᄳ |
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Information on the Proposed Policy with Premium Financing ܔᙄڭఊʘڭ൬ፄ༟༉ઋ |
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i. Name of Lender ׳වɛΤ၈ |
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ii. Loan amount ൲ಛږᕘ USD ߕʩ |
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iii. Loan tenor ൲ಛϋಂ Year ϋ |
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% |
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iv. Loan interest rate p.a. ಛϋлଟ |
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No щ |
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v. Monthly repayment amount ӊ˜ᒔಛᕘ USD ߕʩ |
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vi. Leveraging ratio ˢଟ ^ |
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vii. Affordability assessment completed and passed? ࠋዄঐɢ൙Пʊҁϓʿஷཀ ? Yes ݊ |
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^ Leveraging ratio = Loan principal of premium financing for proposed policy/(Net liquid assets* – Outstanding principal of existing |
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premium financing*) |
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ˢଟ = ܔᙄڭఊʘڭ൬ፄ༟൲ಛ͉ږŊ ( ଋݴਗ༟ପ * – ͊Ꮅᒔٙڭ൬ፄ༟͉)* ږ |
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* Refer to¨Your Financial Information©on page 1 |
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ሗ䎦Ͻୋɓࠫٙઆٙৌਕ༟ࣘ |
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If the ratio is close to or equal to 1, it means that your loan amount is almost as much as or equivalent to your own existing financial |
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resources (e.g. net liquid assets). Where it exceeds 1, it represents that there will be an over-leveraging risk which means that you |
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may have to surrender your policy to repay your loan should your lender request for its full repayment before the end of tenor of your |
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premium financing facility. |
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νˢଟટאڐഃ 1dͪڌۆტɨٙ൲ಛږᕘ˷ഃΝאഃΝტɨІʉତϞٙৌਕ༟๕Էνଋݴਗ༟ପfˢଟɽ 1dڌ˾ۆϞཀܓ |
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ࠬᎈdуνტɨٙවᛆɛڭ൬ፄ༟ಂഐҼࠅۃӋტɨΌᅰᒔ൲ಛdტɨ̙ঐცࠅৗڭʑঐᎵᒔ༈൲ಛf |
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Important note to client: The above loan information provided by the client is solely for the purpose of conducting affordability |
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assessment# for the client’s current insurance application and it does not constitute any loan terms. The final loan information |
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including but not limited to loan amount, loan tenor, loan interest rate and monthly repayment amount is subject to credit |
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underwriting review and approval of the lender. |
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˒܄ٝ : ˸ɪ͟˒܄Զٙ൲ಛ༉ઋ̥Ъ൙П˒܄ڭۃᎈ͡ሗٙࠋዄঐɢʘ͜dԨʔϓО൲ಛૢಛf௰൲ಛ༉ઋdܼ̍Шʔࠢ |
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൲ಛږᕘd൲ಛϋಂdಛϋлଟʿӊ˜ᒔಛᕘਗ਼՟Ӕ൲ಛዚٙڦ൲ڭוᄲҭϾ֛f |
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# This assessment has taken into account the premium financing intended to be used for the proposed insurance policy. (including |
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the self-funded portion of the premium, all scheduled repayments (i.e. principal and/or interest repayments, where applicable) |
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over the entire tenure of premium financing facility, and your ability to repay the sum owed under the premium financing facility |
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if demanded by the lender before maturity of the policy with sufficient financial resources) |
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Ϥ൙ПʊҪอ͡ሗڭఊٙڭ൬ፄ༟Ͻᅇίʫfܼ̍І༟ڭ൬ٙ΅dڭ൬ፄ༟ಂʫٙཫಂᐼක˕˸ʿί൲ಛ˙ࠅӋۃᎵᒔڭ൬ፄ༟ |
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൲ಛᕘࣛdᆽڭტɨϞԑٙৌ݁༟๕Ꮅᒔ൲ಛږᕘ |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc6/15 |
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9. Product Recommendation and Selection ପۜܔᙄʿ፯ |
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Based on your answers provided on this form, the intermediary concerned has discussed the following insurance options (as available |
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to the intermediary) to meet your objective(s) and need(s): |
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࣬ኽტɨίϤࣸڌԶٙഈࣩdϞᗫʘڭᎈʕʧɛʊၾტɨীሞɨΐٙڭᎈପۜ˸တԑტɨٙͦᅺʿცࠅj |
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Name of Name of Objective(s) that Product introduced Policy Currency Premium Premium Premium Sum Insured/ |
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Insurance Insurance Product can be met by the to you and selected ڭఊ࿆ * ڭ൬ * Payment Mode Payment Term Policy Amount/ |
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Company insurance product ڭ൬˕˹˙ό * ڭ൬˕˹ϋಂ * |
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ڭᎈପۜΤ၈ Ϥڭᎈପۜঐတԑٙͦᅺ by you (if any) Notional |
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ڭᎈʮ̡Τ၈ ಀʧୗʿ௰፯ᒅ Amount |
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νϞٙପۜ ڭᕘŊ |
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ڭఊږᕘŊ |
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Τ່ږᕘ * |
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½ Financial protection ½ Introduced ಀʧୗ |
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against adversities ½ މIntroduced and |
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Ꮠ˹ʔࣛʘცԶৌਕ Selected ಀʧୗʿ௰ |
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ڭღ ፯ᒅ |
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½ Preparation for health |
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care needs – Critical |
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Illness މᏐ˹ᔼᐕڭ |
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ცࠅ – Κश |
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½ Preparation for health |
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care needs – Long |
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Term Care މᏐ˹ᔼᐕ |
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ڭცࠅ – ڗಂᚐଣ |
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½ Providing regular |
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income in the future |
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͊މԸԶ֛ಂٙ |
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ϗɝ |
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½ Saving up for the |
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future ͊މԸცࠅᎷႅ |
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½ Investment ҳ༟ |
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½ Others Չ˼j |
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½ Financial protection ½ Introduced ಀʧୗ |
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against adversities ½ މIntroduced and |
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Ꮠ˹ʔࣛʘცԶৌਕ Selected ಀʧୗʿ௰ |
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ڭღ ፯ᒅ |
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½ Preparation for health |
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care needs – Critical |
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Illness މᏐ˹ᔼᐕڭ |
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ცࠅ – Κश |
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½ Preparation for health |
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care needs – Long |
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Term Care މᏐ˹ᔼᐕ |
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ڭცࠅ – ڗಂᚐଣ |
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½ Providing regular |
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income in the future |
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͊މԸԶ֛ಂٙ |
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ϗɝ |
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½ Saving up for the |
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future ͊މԸცࠅ |
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Ꮇႅ |
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½ Investment ҳ༟ |
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½ Others Չ˼j |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc7/15 |
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Name of Name of Objective(s) that Product introduced Policy Currency Premium Premium Premium Sum Insured/ |
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Insurance Insurance Product can be met by the to you and selected ڭఊ࿆ * ڭ൬ * Payment Mode Payment Term Policy Amount/ |
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Company insurance product ڭ൬˕˹˙ό * ڭ൬˕˹ϋಂ * |
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ڭᎈପۜΤ၈ Ϥڭᎈପۜঐတԑٙͦᅺ by you (if any) Notional |
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ڭᎈʮ̡Τ၈ ಀʧୗʿ௰፯ᒅ Amount |
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νϞٙପۜ ڭᕘŊ |
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ڭఊږᕘŊ |
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Τ່ږᕘ * |
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½ Financial protection ½ Introduced ಀʧୗ |
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against adversities ½ މIntroduced and |
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Ꮠ˹ʔࣛʘცԶৌਕ Selected ಀʧୗʿ௰ |
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ڭღ ፯ᒅ |
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½ Preparation for health |
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care needs – Critical |
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Illness މᏐ˹ᔼᐕڭ |
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ცࠅ – Κश |
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½ Preparation for health |
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care needs – Long |
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Term Care މᏐ˹ᔼᐕ |
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ڭცࠅ – ڗಂᚐଣ |
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½ Providing regular |
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income in the future |
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͊މԸԶ֛ಂٙ |
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ϗɝ |
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½ Saving up for the |
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future ͊މԸცࠅ |
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Ꮇႅ |
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½ Investment ҳ༟ |
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½ Others Չ˼j |
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* Required to be completed only if the insurance product(s) is/are being selected ෬ᄳνڭᎈପۜ௰፯ᒅ |
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Note: Reason for only providing 1 insurance company suggestion, if any. |
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ൗjሗႭ̥Զɓڭᎈʮ̡ܔᙄٙࡡΪdνቇ͜ |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc8/15 |
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Please complete by the Licensed Insurance Intermediary |
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ܵ͟ڭᎈʕʧɛ෬ᄳ |
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Reason(s) for Recommendation ܔᙄࡡΪ |
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The product(s) listed in the table above was/were recommended to the client with the aim to fulfil the client’s current insurance |
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needs after considering the client’s financial situation, life protection needs, insurance preferences and ability and willingness to pay |
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premiums, and striking a balance between the above factors. |
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ɪڌٙପۜܔᙄϽᅇՑ˒܄ٙৌਕًرdɛྪڭღცࠅdڭᎈλʿᖮ˹ڭ൬ٙঐɢձจᗴdԨί˙ࠦ՟̻ፅd˸တԑ˒܄ۃٙڭᎈ |
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ცࠅf |
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Others Չ˼ (Please specify ሗ༉ࠑ ): |
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Is there any mismatch(s) against client’s preference in such recommendation? ପۜܔᙄ݊щၾ˒܄ცࠅπίࢨk |
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No щ |
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Yes, the mismatch(s) is/are ݊dࢨٙઋ݊رj |
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i. Target protection amount ͦᅺڭღږᕘ |
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ii. Target saving amount ͦᅺᎷႅږᕘ |
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If yes, reason(s) for recommendation despite the mismatch(s) indicated above ν݊dኋ၍ପۜܔᙄၾɪࠑٙ˒܄ცࠅπίࢨdШʥ |
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್ܔᙄٙࡡΪމj |
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There is a budget concern to fulfil all of client’s target protection amount and/or target saving amount in this same application. The |
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mismatch(es), the reason(s) behind the recommendation of the product(s) despite the mismatch(es), as well as the associated risks |
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that client’s needs could not be fully met by the recommended product(s) have been clearly explained to the client. |
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˒܄ί݊ϣ͡ሗٙཫၑʕ͊ঐတԑՑΌٙͦᅺڭღږᕘʿŊͦאᅺᎷႅږᕘfܵڭᎈʕʧɛʊูΣ˒܄༆ᙑϤࢨdʥ್ܔᙄϤପ |
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ۜٙࡡΪʿᗫࠬᎈ˸ߧܔהᙄٙପۜ͊ঐҁΌတԑ˒܄ٙცࠅf |
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Client does not wish to fulfil the entire target protection amount and/or target saving amount with insurance product(s) offered by |
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the same insurer. The mismatch(es), the reason(s) behind the recommendation of the product(s) despite the mismatch(es), as well |
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as the associated risks that client’s needs could not be fully met by the recommended product(s) have been clearly explained to the |
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client. |
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˒܄ʔҎૐ˸Νɓගڭᎈʮ̡ٙڭᎈପۜတԑΌٙͦᅺڭღږᕘʿŊͦאᅺᎷႅږᕘfܵڭᎈʕʧɛʊูΣ˒܄༆ᙑϤࢨdʥ್ܔ |
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ᙄϤପۜٙࡡΪʿᗫࠬᎈ˸ߧܔהᙄٙପۜ͊ঐҁΌတԑ˒܄ٙცࠅf |
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Others Չ˼ (Please specify ሗ༉ࠑ ): |
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Affordability Assessment Result of Proposed Policyholder ܔᙄڭఊܵϞɛٙࠋዄঐɢ൙Пഐ؈ |
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The client has passed the affordability assessment based on the selected source(s) of funds for premium payment, which factors in |
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the premium financing (if applicable). |
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˒܄ʊஷཀࠋዄঐɢ൙П࣬ኽה፯Ъᖮ˹ڭ൬ٙ༟ږԸ๕dϤ൙ПʊҪڭ൬ፄ༟Ͻᅇίʫνቇ͜f |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc9/15 |
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Client Acknowledgement and Declarations ˒܄ᆽႩʿᑊ |
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Product Information ପۜ༟ࣘ |
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I confirm that the licensed insurance intermediary has explained the product features, fees & charges, important notes, key risks, key |
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exclusions and cooling-off period, etc to me together with the presentation of product brochure/factsheet and insurance proposal. |
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͉ɛᆽႩܵڭᎈʕʧɛʊΣ͉ɛ༆ᙑəପۜ̅ɿŊఊੵձڭᎈࠇྌܔᙄࣣd˸ʿʕٙପۜतᓃe൬͜ձϗ൬eࠠࠅԫධe˴ࠅࠬᎈe˴ |
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ࠅʔڭԫධeи᎑ಂഃf |
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Target Protection Amount ͦᅺڭღږᕘ |
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I confirm that the total sum insured of selected product(s) aligns with my target protection amount I wish to apply for. |
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͉ɛᆽႩ͉ɛה፯ପۜٙᐼڭღږᕘୌΥ͉ɛٙͦᅺڭღږᕘf |
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I acknowledge that the total sum insured of selected product(s) is US$ , which is less than the target |
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protection amount of US$ I wish to apply for and agree to proceed with the application because: |
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͉ɛ͉ٝɛה፯ପۜٙᐼڭღږᕘߕމʩ dϤږᕘˢ͉ɛٙͦᅺڭღږᕘߕʩ ˇމd |
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ઓ͉ɛʥΝจᘱᚃϤ͡ሗdࡡΪމj |
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Not Applicable. The objective(s) of “Financial protection against adversities” or others with a protection-related objective has/have |
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not been selected as my objective(s) in question 1. |
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ʔቇ͜f͉ɛӚϞɪࠑਪᕚ 1 ʕ፯މᏐ˹ʔࣛʘცԶৌਕڭღאՉ˼ՈϞڭღٙᗫͦᅺЪމ፯ᒅڭᎈପۜٙͦᅺʘɓf |
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Target Saving Amount ͦᅺᎷႅږᕘ |
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I confirm that the total projected return amount of the selected product(s) aligns with my target saving amount. |
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͉ɛᆽႩ͉ɛה፯ପۜٙཫಂΫజږᕘୌΥ͉ɛٙͦᅺᎷႅږᕘf |
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I acknowledge that the total projected return amount of the selected product(s) may not match my target saving amount |
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of US$ but I have made the decision to go ahead with the application because: |
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͉ɛ͉ٝɛה፯ପۜٙཫಂΫజږᕘ̙ঐၾ͉ɛٙͦᅺᎷႅږᕘߕʩ ʔୌdઓ͉ɛӔ֛ᘱᚃϤ͡ሗdࡡΪމj |
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Not applicable. The objective(s) of “Providing regular income in the future”, “Saving up for the future”, Investment” or others with |
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a wealth accumulation-related objective has/have not been selected as my objective(s) in question 1 OR I indicated I do not have a |
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specific target saving amount and would like to use the total amount of premium payment for saving in question 2c. |
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ʔቇ͜f͉ɛӚϞɪࠑਪᕚ 1 ʕ፯͊މԸԶ֛ಂٙϗɝd͊މԸცࠅЪᎷႅdҳ༟אՉ˼ՈϞৌబଢ଼ጐᗫͦᅺЪމ፯ᒅڭᎈ |
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ପۜٙͦᅺʘɓ͉אɛʊɪࠑਪᕚ 2c ʕͪڌӚϞɓࡈत֛ཫಂࠅ༺ՑٙᎷႅږᕘʿึ͜ᖮ˹ڭ൬ٙᐼږᕘЪᎷႅʘ͜f |
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Alternative Solution ಁ˾˙ࣩ |
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An alternative life insurance product(s) which could meet my needs has/have been introduced to me. |
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͉ɛʊə༆ՑୌΥ͉ɛცࠅٙɛྪڭᎈପۜಁ˾˙ࣩf |
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I acknowledge that there is no alternative life insurance product which matches with my need. |
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͉ɛٝӚϞୌΥ͉ɛცࠅٙɛྪڭᎈପۜಁ˾˙ࣩf |
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Purchasing/Applying for* Similar Life Insurance Product(s) in the past 12 months ཀ̘ 12 ࡈ˜ʫᒅ൯Ŋ͡ሗ * ε΅ᗳΝɛྪڭᎈପ |
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ۜ |
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I confirm that I have purchased/applied for* similar type of life insurance product(s) in the past 12 months. The reason of purchasing/ |
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applying for multiple policies is |
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͉ɛᆽႩཀ̘ 12 ࡈ˜ʫಀᒅ൯Ŋ͡ሗ * ᗳΝٙɛྪڭᎈପۜdϾᒅ൯Ŋ͡ሗε΅ᗳΝପۜٙࡡΪމ |
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Not applicable. I have NOT purchased/applied for* similar type of life insurance product(s) in the past 12 months. |
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ʔቇ͜f͉ɛӚϞཀ̘ 12 ࡈ˜ʫಀᒅ൯Ŋ͡ሗ * ᗳΝٙɛྪڭᎈପۜf |
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* If there are more than one application of similar life insurance product covered by this FNA, it will also be defined as applying for |
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similar life insurance products in the past 12 months. |
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ν؈Ϥৌਕცࠅʱܼؓ̍ึࣸڌεɓ΅ٙᗳΝڭᎈ͡ሗd͵່֛މཀ̘ 12 ࡈ˜ʫ͡ሗε΅ᗳΝɛྪڭᎈପۜf |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc10/15 |
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Information for Affordability and Suitability Assessment ͜ࠋዄঐɢձቇΥ൙Пٙ༟ࣘ |
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I, the proposed policyholder, confirm that the information and details of my financial profile provided in this “Insurance – Financial |
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Needs Analysis”: |
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͉ɛЪܔމᙄڭఊܵϞɛdᆽႩ͉ɛίڭᎈ Ñ ৌਕცࠅʱؓࣸڌʕԶٙৌਕًر༟ࣘձືj |
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(1) are true, valid and reliable and are disclosed by me in good faith with regard to the assessment of this particular insurance |
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application; and |
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݊ॆྼdϞࣖձ̙ቦٙd˸ʿ͉ɛ˸௰ɽ༐ڦԶdϞᗫ༟ࣘձືఱ͡ሗϤ΅ڭᎈ͜הiʿ |
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(2) can be relied upon as adequate and sufficient by HSBC Life (International) Limited (“HSBC Life”) to conduct relevant affordability |
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and suitability assessment particular to this insurance application without regard to any other financial information I may have |
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provided/will provide to HSBC Life via other HSBC Life§s application channel(s). |
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݊ԑձ̂ʱٙd䁩ᔮɛྪڭᎈყϞࠢʮ̡䁩ᔮڭᎈ̙˸ኯᔟϞᗫ༟ࣘձື࿁Ϥ΅ڭᎈ͡ሗආБϞᗫࠋዄঐɢձቇΥ൙ |
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ПdϾʔึਞϽ͉ɛ̙ঐʊŊਗ਼䁩ᔮڭᎈՉ˼͡ሗಬ༸Σ䁩ᔮڭᎈԶٙОՉ˼ৌਕ༟ࣘf |
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Applicant’s Name ҳڭɛ֑Τ Applicant’s Signature ҳڭɛᖦ Date ˚ಂ |
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WARNING: Please read and fill in this form carefully. Do not leave any questions blank. Do NOT sign if any questions are |
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unanswered and have not been crossed out. |
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ᙆѓjሗʃːቡʿ෬ᄳ͉ৌਕცࠅʱؓࣸڌfሗʔࠅव٤ОਪᕚfνϞО͊Ϋഈٙਪᕚ͊м̘dሗʔࠅίࣸڌɪᖦf |
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Note: You are required to inform us (the insurance company) if there is any substantial change of information provided in this form before the policy |
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is issued. |
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ൗ : ߰ৌਕცࠅʱؓࣸڌɪ෬జٙ༟ࣘϞࠠɽҷᜊdტɨίڭఊ͊ᖦ೯ ۃ, ̀ஷٝڭוɛŊʮ̡f |
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For Licensed Intermediary Use Only |
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Reason(s) for recognizing the insurance product recommended and selected in Q9 as suitable (for suitability mismatch scenario only) |
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Name of Licensed Intermediary Signature of Licensed Intermediary |
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Date |
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Reminder to Brokers: |
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Please ensure the Broker’s Memo you submit to the insurer clearly sets out the factors considered and the reasons for the product |
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recommendations made to your customer. |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc11/15 |
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Personal Information Collection Statement ϗණࡈɛ༟ࣘᑊ |
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Data Privacy Notice |
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Notice relating to the Personal Data (Privacy) Ordinance |
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We protect your privacy. Read this notice to find out how we collect, store, |
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use and share your personal data. |
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1 2 3 |
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HOW WE COLLECT WHAT WE USE YOUR WHO WE SHARE |
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AND STORE YOUR DATA DATA FOR YOUR DATA WITH |
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We collect your data We use your data We share your data with |
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• when you interact with us, apply for • to send you direct marketing if you’ve • other HSBC group companies |
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and use our products and services consented to it |
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• third parties who help us to provide |
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• visit our websites (please see the • to consider applications for, offer, services to you or who act for us |
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“Privacy and Security” section of provide and manage products and |
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www.hsbc.com.hk and refer to “Use services • third parties who you consent to us |
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of cookies policy” for details of how sharing your data with |
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we use cookies) For example: (i) insurance, annuities, |
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pensions and health and wellness • local or overseas law enforcement |
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• from other people and companies, products and services; (ii) educational agencies, industry bodies, regulators |
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including other HSBC group companies materials; (iii) products and services or authorities |
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relating to campaigns and promotions |
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We may store your data locally or which you have signed up to • the other third parties set out in |
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overseas, including in the cloud. We section C |
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apply our global data standards and • to design and improve our products, |
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policies wherever your data is stored. services and marketing We may share your data locally or |
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overseas. |
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We’re responsible for keeping your • to help us and other HSBC group |
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data safe in compliance with Hong companies comply with laws, |
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Kong law. regulations and requirements, |
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including our internal policies, in or |
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outside Hong Kong |
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• to detect, investigate and prevent |
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financial crimes |
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• for the other purposes set out in |
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section B |
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You can access your data You control your marketing You can contact us |
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preferences |
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You can request access to the data [email protected] |
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we store about you. We may charge You control whether you receive The Data Protection Officer |
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a fee for this. marketing from us. HSBC, PO Box 72677, |
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You can also ask us to Kowloon Central Post Office, |
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• correct or update your data You can change this at any time by Hong Kong |
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• explain our data policies and practices contacting us. |
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A B C |
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Collect and store Use Share |
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We may collect We use your data to We share your data with |
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• biometric, medical and health/ • handle and take care of claims • local or overseas bodies or authorities |
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such as legal, regulatory, law |
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lifestyle data such as your heart rate, • help us to comply with requirements enforcement, government and tax |
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BMI and steps count or requests that we or the HSBC and any partnerships between law |
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enforcement and the financial sector |
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• your geographic data and location group have or receive such as legal or |
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• any person who is a party to a |
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data based on your mobile or other regulatory in or outside Hong Kong. transaction (or a potential transaction) |
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buying interest or assuming risk in an |
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electronic device Sometimes we may have to comply insurance policy, such as reinsurers |
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• data from people who act for you and other times we may choose to • payment recipients, beneficiaries or |
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or who you deal with through our voluntarily comply any person who act for our customer |
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or you, or anyone whose data is |
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services • conduct identity, medical or credit provided for receiving benefits under |
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an insurance policy or otherwise |
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• data from public sources, aggregators checks |
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Page ࠫϣc12/15 |
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and other sources available to us • create and maintain the credit and |
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• hospitals, clinics, medical practitioners, |
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• data from policyholders or members risk related models of the HSBC laboratories, technicians, loss |
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of our insurance policies of which group (such as underwriting models, |
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Financiayl oNueebdesnAenfaitlyfsriosm(foorrPaorleicyinhsouldreerd) ৌbyਕცࠅʱؓheڌaࣸlthԶaҳnڭdɛw෬eᄳllness models and |
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models/algorithms for data analytics |
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If you don’t give us data then we |
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and artificial intelligence) |
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You can also ask us to contacting us. HSBC, PO Box 72677, |
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Kowloon Central Post Office, |
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• correct or update your data Hong Kong |
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Perso•naelxIpnlafoinrmouartdioatnaCpoollilceiectsioanndSptraatcetmiceesnt (Cont’d) ϗණࡈɛ༟ࣘᑊᚃ |
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A B C |
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Collect and store Use Share |
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We may collect We use your data to We share your data with |
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• biometric, medical and health/ • handle and take care of claims • local or overseas bodies or authorities |
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lifestyle data such as your heart rate, such as legal, regulatory, law |
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BMI and steps count • help us to comply with requirements enforcement, government and tax |
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or requests that we or the HSBC and any partnerships between law |
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• your geographic data and location group have or receive such as legal or enforcement and the financial sector |
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data based on your mobile or other regulatory in or outside Hong Kong. |
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electronic device Sometimes we may have to comply • any person who is a party to a |
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and other times we may choose to transaction (or a potential transaction) |
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• data from people who act for you voluntarily comply buying interest or assuming risk in an |
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or who you deal with through our insurance policy, such as reinsurers |
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services • conduct identity, medical or credit |
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checks • payment recipients, beneficiaries or |
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• data from public sources, aggregators any person who act for our customer |
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and other sources available to us • create and maintain the credit and or you, or anyone whose data is |
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risk related models of the HSBC provided for receiving benefits under |
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• data from policyholders or members group (such as underwriting models, an insurance policy or otherwise |
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of our insurance policies of which health and wellness models and |
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you benefit from or are insured by models/algorithms for data analytics • hospitals, clinics, medical practitioners, |
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and artificial intelligence) laboratories, technicians, loss |
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If you don’t give us data then we adjustors, risk intelligence providers, |
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may be unable to provide products or • manage our business, including legal advisers or private investigators |
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services. exercising our legal rights who act for us |
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We may also generate data about you • determine, pay or collect money • any third party who we may transfer |
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owed to you or to us our business, policies or assets to so |
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• by combining information that we it can evaluate our business and use |
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and other HSBC group companies • match data held by HSBC group your data after any transfer |
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have collected about you companies for purposes listed in |
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this notice • partners and providers of reward, |
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• based on the analysis of your co-branding or loyalty programs, |
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interactions with us and information • provide personalised advertising to charities or non-profit organisations |
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which we have collected about you you on third party websites (this may |
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involve us aggregating your data with • social media advertising partners |
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• through the use of cookies and data of others) (who can check if you have or use |
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similar technology when you access our products and services and send |
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our website or apps • other uses relating to the above or our adverts to you and advertise to |
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to which you have consented people who have a similar profile to |
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you) |
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If you provide data about others |
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We may share your anonymised data |
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If you provide data to us about another with other parties not listed above. If |
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person, you should tell that person how we do this you won’t be identifiable |
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we will collect, use and share their data from this data. |
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as explained in this notice. |
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D We may use data such as your This notice will apply for as long as we |
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demographics, the products and store your data. We’ll send you the |
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Direct Marketing services that you’re interested in, latest version at least once a year. If |
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transaction behaviour, portfolio we use your data for a new purpose, |
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This is when we use your data to send information, location data, social media we’ll get your consent. |
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you details about financial, insurance, data, analytics, health and wellness |
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pensions, annuities or related products, data and information from third parties |
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services and offers (such as health when we market to you. |
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and wellness) and promotional |
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campaigns provided or hosted by us We don’t give your data to others for |
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or our co-branding, rewards or loyalty them to market their products and |
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programme partners, charities or other services to you. If we ever wanted |
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third party financial institutions and to do this, we’d get your separate |
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service providers. consent. |
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Note: In case of any discrepancies between the English and Chinese versions, the English version shall apply and prevail. N_PDPO_PICS_Jun2020 |
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This notice may also be referred to as “Personal Information Collection Statement”. |
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HSBC Life (International) Limited 滙豐人壽保險（國際）有限公司 Page ࠫϣc13/15 |
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Incorporated in Bermuda with limited liability 於百慕達註冊成立之有限公司 |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ |
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Personal Information Collection Statement (Cont’d) ϗණࡈɛ༟ࣘᑊᚃ |
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資料私隱通知 |
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關於個人資料（私隱）條例的通知 |
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我們致力保護您的私隱。請閱讀此通知，了解我們如何收集、儲存、使用及 |
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披露您的個人資料。 |
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1 2 3 |
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我們如何收集及儲存您的資料 我們如何使用您的資料 我們與誰披露您的資料 |
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我們收集您資料的途徑包括 我們將您的資料用於 我們與下列人士披露您的資料 |
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• 您與我們互動，向我們申請及使用 • 經您同意後向您發送直接促銷資料 • 其他滙豐集團旗下公司 |
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我們的產品和服務 |
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• 考慮申請、為您推薦、提供及管理 • 幫助我們向您提供服務或代表我們 |
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• 您瀏覽我們網站（有關我們如何使 產品與服務 行事的第三方 |
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用「cookies」的 詳 情， 請 參 閱 我 們 |
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網 站 www.hsbc.com.hk 進 入「私 例如：(i) 保險、年金、退休金、健 • 您同意我們與之披露您資料的第三 |
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隱與保安」閱覽「Use of cookies 政 康 與 保 健 產 品 及 服 務；(ii) 教 育 材 方 |
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策」） 料；(iii) 關於您已報名參與之活動及 |
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推廣的產品與服務 • 本地或海外執法機構、行業組織、 |
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• 其他人士及公司（包括其他滙豐集 監管機構或權力機關 |
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團旗下公司） • 設計及改進我們的產品、服務及市 |
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場推廣活動 • C 部分所列的其他第三方 |
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我們可能將您的資料儲存於本地或海 |
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外，包括雲端。無論您的資料儲存於 • 幫助我們及其他滙豐集團旗下公司 我們可能在本地或海外披露您的資 |
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何處，均受我們的環球資料標準及政 遵守香港或其以外的國家或地區的 料。 |
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策約束。 法律、法規和要求，包括我們的內 |
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部政策 |
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我們有責任根據香港法律保護您的資 |
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料安全。 • 偵測、調查及預防金融罪案 |
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• B 部分所列的其他目的 |
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您可查閱自己的資料 您可控制自己的市場推廣偏好 您可聯絡我們 |
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您可要求查閱我們所儲存有關您的資 您可控制您會否從我們收取市場推廣 [email protected] |
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料。我們可能就此向您收取費用。 資料。 |
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您可要求我們 資料保護主任 |
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• 改正或更新您的資料 您可隨時聯絡我們對此作出更改。 |
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• 說明我們的資料政策及慣例 香港上海滙豐銀行有限公司 |
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香港九龍中央郵政局 |
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郵政信箱 72677 號 |
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A B C |
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收集及儲存 使用 披露 |
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我們或會 我們將您的資料用於 我們與下列人士披露您的資料 |
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• 收集生物辨識、醫療及健康 / 生活 • 處理及安排索償 • 本地或海外的法律、監管、執法、 |
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政府和稅務等機構或權力機關，以 |
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模式資料，例如您的心跳率、身高 • 幫助我們遵守包括香港或其以外的 及執法機構與金融業界之間的任何 |
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體重指數及步數統計 合作夥伴 |
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地區或國家的法律或監管機構對我 |
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• 交易(或潛在交易)下收購保單權益 |
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• 基於您的流動或其他電子裝置收集 們或滙豐集團現有或所收到的相關 或承擔保單風險的一方，例如再承 |
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保人 |
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您的地域及位置資料 監管規定或要求。這些監管規定或 |
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• 收款人、受益人或任何為我們的客 |
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• 從代表您的人士或您透過我們服務 要求可能是我們必須遵從或選擇自 戶或您行事的人；或任何為收取保 |
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與之往來的人士收集資料 願遵從的 單賠償或為其他目的而資料被提供 |
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的人 |
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• 從公開渠道、資料整合機構及其他 • 進行身份審查、身體檢查或信用審 |
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查 • 代表或為我們提供服務的醫院、診 |
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我們接觸得到的渠道收集資料 所、醫生、化驗所、技術員、理賠 |
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員、風險情報提供機構、法律顧問 |
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• 從您受益或受保於我們的保險下的 • 設立及維持滙豐集團的信貸及風險 或私家偵探 |
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保單持有人或保單成員收集資料 相 關 準 則（例 如 承 保 準 則、 健 康 及 |
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保健準則，以及用於資料分析及人 • 我們可能轉讓業務、保單或資產P的age ࠫϣc14/15 |
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若您不向我們提供資料，我們可能無 任何第三方，以便其評估我們的業 |
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工智能的準則 / 算法） |
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法提供產品或服務。 |
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• 管理我們業務，包括行使我們的法 |
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我們亦可能透過以下途徑衍生有關您 |
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律權利 |
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的資料 |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱ• ؓ釐ڌ定ࣸ、Զ支ҳ付ڭɛ或෬收ᄳ取欠您或欠我們的 |
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• 整合我們及其他滙豐集團旗下公司 |
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款項 |
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您可要求我們 您可隨時聯絡我們對此作出更改。 香港上海滙豐銀行有限公司 |
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香港九龍中央郵政局 |
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• 改正或更新您的資料 郵政信箱 72677 號 |
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Perso•na說l I明nf我or們ma的ti資on料C政oll策ec及tio慣n例Statement (Cont’d) ϗණࡈɛ༟ࣘᑊᚃ |
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A B C |
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收集及儲存 使用 披露 |
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我們或會 我們將您的資料用於 我們與下列人士披露您的資料 |
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• 收集生物辨識、醫療及健康 / 生活 • 處理及安排索償 • 本地或海外的法律、監管、執法、 |
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模式資料，例如您的心跳率、身高 政府和稅務等機構或權力機關，以 |
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體重指數及步數統計 • 幫助我們遵守包括香港或其以外的 及執法機構與金融業界之間的任何 |
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地區或國家的法律或監管機構對我 合作夥伴 |
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• 基於您的流動或其他電子裝置收集 們或滙豐集團現有或所收到的相關 |
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您的地域及位置資料 監管規定或要求。這些監管規定或 • 交易(或潛在交易)下收購保單權益 |
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要求可能是我們必須遵從或選擇自 或承擔保單風險的一方，例如再承 |
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• 從代表您的人士或您透過我們服務 願遵從的 保人 |
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與之往來的人士收集資料 |
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• 進行身份審查、身體檢查或信用審 • 收款人、受益人或任何為我們的客 |
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• 從公開渠道、資料整合機構及其他 查 戶或您行事的人；或任何為收取保 |
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我們接觸得到的渠道收集資料 單賠償或為其他目的而資料被提供 |
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• 設立及維持滙豐集團的信貸及風險 的人 |
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• 從您受益或受保於我們的保險下的 相 關 準 則（例 如 承 保 準 則、 健 康 及 |
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保單持有人或保單成員收集資料 保健準則，以及用於資料分析及人 • 代表或為我們提供服務的醫院、診 |
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工智能的準則 / 算法） 所、醫生、化驗所、技術員、理賠 |
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若您不向我們提供資料，我們可能無 員、風險情報提供機構、法律顧問 |
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法提供產品或服務。 • 管理我們業務，包括行使我們的法 或私家偵探 |
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律權利 |
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我們亦可能透過以下途徑衍生有關您 • 我們可能轉讓業務、保單或資產的 |
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的資料 • 釐定、支付或收取欠您或欠我們的 任何第三方，以便其評估我們的業 |
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款項 務及在轉讓後使用您的資料 |
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• 整合我們及其他滙豐集團旗下公司 |
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收集的有關您的資料 • 與滙豐集團旗下公司所持有的資料 • 獎賞、合作品牌或忠誠計劃的合作 |
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核對，以供作本通知所列明的用途 夥伴及供應商，以及慈善或非牟利 |
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• 分析您與我們的互動及我們已收集 機構 |
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得來有關您的資料 • 於第三方網站上為您提供個人化廣 |
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告（這 可 能 涉 及 我 們 將 您 與 他 人 的 • 社交媒體廣告合作夥伴（可查看您 |
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• 於您瀏覽我們網站或應用程式時使 資料進行整合） 是否擁有或使用我們的產品及服 |
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用 cookies 或類似技術 務，並向您及與您個人資料相似的 |
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• 與上述用途相關或經您同意的其他 人士發送我們的廣告） |
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用途 |
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我們可能與上文並未列出的其他人士 |
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若您提供他人的資料 披露您的匿名資料。在此情況下，有 |
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關資料將無法識別出您的身分。 |
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若您向我們提供有關其他人士的資 |
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料，您應按本通知所述，告知該人士 |
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我 們 將 如 何 收 集、 使 用 和 披 露 其 資 |
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料。 |
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D |
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直接促銷 |
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指我們使用您的資料向您發送由我們 向您進行市場推廣時，我們或會使用 本通知於我們儲存您的資料期間適 |
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或我們的合作品牌、獎賞或忠誠計劃 您的資料，例如人口統計資料、您感 用。我們亦會每年向您提供此通知的 |
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合作夥伴、慈善機構或其他第三方金 興趣的產品及服務、交易行為、投資 最新版本。若我們將您的資料用於新 |
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融機構及服務供應商所提供或舉辦的 組 合 資 料、 位 置 資 料、 社 交 媒 體 資 用途，則會徵求您的同意。 |
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金融、保險、退休金、年金或相關產 料、分析、健康及保健資料和來自第 |
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品、 服 務 和 優 惠 詳 情（例 如 健 康 與 保 三方的資料。 |
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健）及推廣活動的詳細資料。 |
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我們不會向他人提供您的資料，以供 |
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其向您推廣產品及服務。如有此意， |
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我們會另行徵求您的同意。 |
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注意：中英文本如有任何歧義，概以英文本為準。 |
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此通知亦稱為「收集個人資料聲明」。 |
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Financial Needs Analysis (for Policyholder) ৌਕცࠅʱؓࣸڌԶҳڭɛ෬ᄳ Page ࠫϣc15/15 N_PDPO_PICS_Jun2020 |
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HSBC Life (International) Limited 滙豐人壽保險（國際）有限公司 |
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