Policy-related Communications

"Annual Statement"

For whole-life insurance plans, the annual statement of the related policy will be sent to the policyholder on each policy anniversary date. For universal or reversionary bonus life plans, the annual statement will be sent to the policyholder in the first quarter of each year.

"Premium Notice"

If premiums are paid yearly or half-yearly, the policyholder will receive the "Premium Notice" approximately one month before the premium payment due date.

"Premium Reminder"

If the Company has not received the premium within one month after the premium payment due date, a "Premium Reminder" will be sent to the policyholder. For premiums paid monthly and when autopay by credit card or bank account cannot be performed successfully, a "Premium Reminder" will be issued immediately to the policyholder.

"Automatic Premium Loan Notice"

After the issue of a "Premium Reminder", if the full premium has not yet been paid and the related policy has accumulated cash value or dividends, the Company will automatically advance the premium due from the cash value of the policy as a loan in accordance with the contract provision and an "Automatic Premium Loan Notice" will be sent to the policyholder. Under such case, clients should settle their premium due as soon as possible.

"Policy Termination Notice" or "Policy Reinstatement Notice"

If the premium due has not been settled after the "Premium Reminder" and the related policy has no accumulated cash value or dividend, a "Policy Termination Notice" will be issued for a non-participating policy and a "Policy Reinstatement Notice" will be issued for a participating policy.

Others

Upon receipt of policy requests from policyholders, including changes of address, premium payment methods, or beneficiaries, etc., the Company will send a confirmation letter within one week after the corresponding requests have been processed.