ING

December 2009 Issue

	ING Credit Card Flexible Spending & Customized Protection
	Jump in Ranking for the ING Global Brand
	"We are proud" print advertising
	Product Column i.Master Crisis Ease
	Good Parents Club : - ING Good Student Scholarship Programme. Enroll Now! - Welcome Gift for New Members. Enrol Now! - Health Seminar – Naturopathic Therapy of Eczema
	25th Anniversary Activities: - Pop singers performed for anniversary: ING 25th Anniversary Presents – Metro 18 Superstars Charity Concert - ING 25th Anniversary Metro Charity Walk - ING Life's 25th Anniversary Supplements! - 25th Anniversary Interviews
	New Welcome Kit is launched
	ING Dreams for Chidren Programme - Nature Exploration Tour at Ma Wan Park
	eTravel – Online Application for Life Customers
	Pension - New version of Annual Benefit Statement - MPF Portability
	Tips for Medical Insurance
	ING Professional Wealth Planners
	Protect our environment, please opt-in for our e-newsletter.


ING Credit Card Flexible Spending & Customized Protection
ING Credit Card provides outstanding banking and insurance privileges and brings you a brand new and superb insurance and banking experience. To enjoy the welcome gift and an array of insurance and banking offers, please act now and apply. Welcome gifts:


Exclusive privilege:
Extra bonus points for ING Life premium payments
From now until 30 June 2010, an extra 50% credit card bonus points will be offered by using ING Credit Card to pay ING Life premium.
ING Life premium interest free installment program
Cardholders can enjoy 12-month or 24-month interest free installment for the payment of ING Life premium. * The premium amount must be HK$5,000 or above, applicable to designated products only.
ING Insurance offer:
25% discount on the following insurance plans offered by ING General Insurance:
● AccidentCare ● HomeCare ● HelperCare ● TravelCare ● GolferCare
Mortgage Plan Offer:
HK$200 credit card cash rebate upon successful application of "iMortgage Plan"
Octopus Automatic Add Value Service:
Each successful application of Octopus AAVS can enjoy extra 5,000 bonus points. Principal cardholder can apply for up to 3 relatives and friends or above at the same time.
For details and forms, please contact your wealth planner.

Jump in Ranking for the ING Global Brand

ING Group has posted splendid results in various renowned professional rankings, further enhancing its leading position amongst market players.

Forbes Magazine Global 2000 (April 2009 issue)
No.1 in both areas of sales and assets in the insurance category.

Fortune's Global 500 (July 2009 issue)
No. 1 by revenues in the bank and listed life insurance categories.

"We are proud" print advertising

IMPORTANT:

ING MPF Master Trust Basic Scheme; and ING MPF Master Trust Comprehensive Scheme (each a "Scheme“, together the “Schemes”). The Schemes are mandatory provident fund schemes registered with the Mandatory Provident Fund Schemes Authority. Registration does not imply recommendation.

Zoom

Leveraging on the consistent strong performance of the ING MPF funds, a full-page advertisement has been designed to illustrate the strong financial standing of the company and has run in SCMP, Apple Daily, Oriental Daily, The Sun, Headline and AM730.

The advertisement with the headline "We are proud to be No.2. But then we are also No.1" clearly reaffirms our leading positions in MPF Capital Guaranteed Portfolio (as of 30 June 2009)

and MPF Hong Kong Equity Portfolio (as of 30 September 2009)

in terms of return and rankings. In additional to our brilliant MPF performance, ING Group is also ranked No.1 by Fortune Magazine July 2009 by revenue in the banking category and by Forbes Magazine April 2009 by sales and assets in the insurance category.

Moreover, at ING Life Hong Kong, after 25 successful years, we are also committed to provide our customers with stable returns and easier one-stop insurance, financial planning and retirement services.

The Watson Wyatt Investment Consulting Hong Kong Limited MPF Performance Book (issued on June 30, 2009)

The Lipper MPF Performance Monthly Table (issued on September 30, 2009)

Product Column

ING's vision is to provide the most efficient and effective wealth management solution to you. Hence, we have developed the following new product:

Risk Disclosure Statements:

This is an insurance policy issued by ING Life Insurance Company (Bermuda) Limited ("ING Life"). Your investments are subject to the credit risk of ING Life.

You are not investing in the underlying investments of the investment choices and you do not have any rights or ownership over these underlying investments.

Your return on investment is calculated with reference to the fluctuation of the performance of the underlying investments. Each of these underlying investments has its own investment objectives and associated risks.

Early surrender or withdrawal may result in a significant lost of principal and bonuses.

You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.

You should not invest based on this document alone and should read the Principal Brochure and the offering documents of underlying funds for details which will be made available to you.

i.Master

i.Master is a regular investment-linked insurance plan

offered by ING Life with the following key features:

- Start your investment with as little as US$125 per month
- A choice of premium terms ranging from 5 to 30 years
- A wide range of investment choices for you to choose
- Optional booster contribution

for your additional or opportunistic investment needs

For details of the product features and the investment choices (includes all fees and changes), please refer to the Product Brochure and Investment Choices Brochure.

Investment involves risks.

Issued by ING Life Insurance Company (Bermuda) Limited

¹ i.Master is an investment-linked assurance scheme under Class C linked long-term business as defined in Part 2 of Schedule 1 to the Insurance Companies Ordinance.
² The minimum Booster Investment Premium is US$1,500, please refer to the section of Summary of Charges in the Product Brochure for the charges.

Crisis Ease

Crisis Ease protects you, at a low and level premium, against critical illnesses with 4 stages of protection until you reach 80 or 100 years of age.

Low Premium with Comprehensive Protection:
● Covers 54 Serious Diseases (including 10 special diseases)
● Revival Privilege – able to enjoy critical illness protection even after receiving a crisis benefit
● Termination Benefit – receive up to 95% of your annual premium paid or insured amount at time of policy termination
● Second Medical Opinion Service by leading health professionals in top-ranked US medical institutions

Two plan types available to fit your needs:
Crisis Ease 80 - enjoy the above obtained at an even lower premium; protection up to the age of 80
Crisis Ease 100 - protection will be extended to the age of 100. You can receive the termination benefit as a longevity gift equal to 100% of sum insured (minus any claim paid) at the age of 100.

Please contact your wealth planner for more details.

ING Life reserves the right to review the premium rates from time to time.

For details of the execution and exclusion of revival privilege, please refer to policy provisions.

Advertising

Good Parents Club :
ING Good Student Scholarship Programme. Enroll Now!

If your children are well-rounded, with good academic results and love to participate in various extra curricular activities, let's apply for a scholarship for them without delay! Winners will be awarded scholarship money, a merit certificate and praise on the "Good Parents Club" website.

Eligibility:

- Full-time students who have engaged in extra-curricular activities (e.g. playing musical instruments, sports, learning languages, the abacus, etc.)
- Father or mother of the applicant must be an ING client and Good Parents Club Member (those who are not members can register for free and enrol in the scholarship programme at the same time).

Prizes:

Champion: HK$3,000 book coupon
1st Runner-Up: HK$2,000 book coupon
2nd Runner-Up: HK$1,000 book coupon

"Good" Progress Award (5 prizes):
HK$500 book coupon for each
Based on conduct, ranking or average mark

(Need to submit school reports of the latest two years / quarters)

Each winner will get a merit certificate and receive praise on the Good Parents Club website.

How to enrol:

Please click here to the Good Parents Club website to download an application form. Simply fill in the form and submit with the required documents to ING.

Deadline:

22 January 2010

Welcome Gift for New Members. Enrol Now!

Welcome Gift:
The first 100 new members can get a free copy of "Thoughts from New Generation Parents" (Author: Cyd Ho Sau Lan and Kai Chi Liu ), published by Ming Pao Publication Ltd.

(Valued at HK$39)
(First-come-first-served, whilst stocks last)

Please click to here to register, or get an application form from your wealth planner.

Health Seminar – Naturopathic Therapy of Eczema

"Health Seminar – Naturopathic Therapy of Eczema" was held at our training institute on 5 September 2009. The seminar was conducted by a certificated naturopathic doctor. Our members learnt about eczema and naturopathic therapy of eczema.

Pop singers performed for anniversary: ING 25th Anniversary Presents – Metro 18 Superstars Charity Concert

The ING 25th Anniversary Presents – Metro 18 Superstars Charity Concert, co-organised with Metro INFO, took place on 30 September 2009. This mega-event featured top singers performing at AsiaWorld-Expo Arena. Performers included the ever-popular legend Alan Tam, Prudence Liew, Leo Ku, Edmond Leung, Swing, Justin, Vincy, G.E.M., Mr., Kate Tsui and Club de Banana. These brilliant singers, with their powerful songs, captured the hearts of the audience, resembling ING in winning its clients’ confidences through its strength and efforts.


ING 25th Anniversary Metro Charity Walk
ING 25th Anniversary Metro Charity Walk was successfully held at Tai Tam Reservoir on 27 September 2009. Over 500 participants signed up for the Charity Walk, including ING staff, wealth planners and clients, as well as their invited families and friends. The Charity Walk raised over HK$380,000, which included contributions from participants as well as the match donations by ING. These funds will go to UNICEF in support of their education projects for the rebuilding of Sichuan.


ING Life's 25th Anniversary Supplements!
To commemorate our 25th anniversary, we have published a supplement in Apple Daily and Ming Pao. The supplement featured our anniversary celebration events as well as the company’s strengths and development.


25th Anniversary Interviews
Many ING talents have been growing with the company over the past 25 years. Amongst them, are three Chief Regional Directors, Mr. Anky Lau, Mr. Freddie Cheng and Mr. Alex Shirazee who have all been contributing tremendously to the company. To share their views, we have conducted an interview with them on this special year.

	Time flies now that I have been working for ING for 25 years! Over these years, the job has provided me with very fruitful experiences, and the company has offered me a lot of opportunities and training, as well as room for me to excel. During my development, the company has given its support and respect, like an important partner in my career. My career in the insurance industry will surely be a life-long one, and there is no doubt that I will responsibly strive for the best interest of my clients and teammates – that's what I have long insisted. In recent years, an insurance career has been turned into a profession for wealth planning, with both regulation and transparency very much enhanced. This definitely enables wealth planners to establish a more professional image.

	I started my career with ING as an agent and I am glad to have witnessed the continuous development of the company. For the past 25 years, the company has been listening to us willingly and making changes accordingly, whilst supporting and assisting us to advance up our career ladders. Moreover, many resources have been allocated to training with the aim to provide us with unlimited opportunities. Nowadays, medical expense and retirement are two big topics of concern in the Hong Kong market, so I see that the insurance coverage related to these two aspects will be a huge focus for the public.

New Welcome Kit is launched

We are devoted to providing easier and convenient financial services to our customers. To achieve this end, we have revamped the welcome kit to be sent to all new policyholders. This new welcome kit was launched in August, providing updated and comprehensive policy-related information to customers, including:

‧ Welcome kit booklet
The booklet provides practical and useful information, including details about change of policy content and premium payments, a simple guide to claims, policy-related communications and email registration for special offers, etc.

‧ Customer e-Survey
To continuously upgrade our services, we need to collect valuable opinions from customers. Customers can log-in to the Customer Interactive Service website to complete the customer survey. A gift will be given to customers who submit the survey.

In addition, the welcome kit includes a notification letter regarding the cooling-off period, an interactive service leaflet and the customer card.

To save paper resources and to avoid existing customers receiving the same welcome kit again, the welcome kit will be sent to new policyholders only. Existing customers who insure new basic policies will only receive the welcome letter showing the cooling-off period.

ING Dreams for Chidren Programme - Nature Exploration Tour at Ma Wan Park
Once again, on 6 June 2009, we joined hands with the Hans Andersen Club to serve primary school students from Bui O Public School, Pui O, Lantau Island. Forty primary school students and around 50 ING volunteers visited Ma Wan Park to engage themselves in an enjoyable day of “Nature and Learning” exploration activities along with the creation and telling of stories. ING volunteers, including agents and clients, joined their friends and families at this meaningful event. Volunteers and primary school students had fun participating together in the classroom. Classes examined nature through an interactive tour to learn the mystery of nature and the importance of conservation. Moreover, creative handicraft, group games and story-making activities helped to build a partnered relationship among the participants for happiness and encouragement. The day ended in great joy for all. Our wish is that, as a follow up to the previous school visits and services held last year, this activity will provide deprived children from outlying islands an opportunity for balanced development through interactive activities with volunteers.

Back to top
eTravel - Online Application for Life Customers
To ensure our customers are able to have the insurance cover in a fast and convenient way, an electronic version of TravelCare Insurance for Life customers – eTravel is now available. Life customers can purchase single trip insurance online with no restrictions in time and place. Through this service platform, Life customers can review the coverage and obtain quotes. Once a suitable plan is selected, applications and payment through credit card can all be completed online. Once the policy is approved, the insurance certificate will be issued instantly. Customers can simply log-in to access the system and complete the application by following the steps listed on the right. This service will surely bring added convenience to our customers. Please contact your wealth planner if you have any questions regarding this service.
Back to top

Pension

New version of Annual Benefit Statement

The new version of the 2009 Annual Benefit Statement complying with the "Code on Disclosure for MPF Investment Funds" will be sent to all MPF customers before the end of March next year. The new version will provide more detailed information, such as transaction details of your account, in order to match the different needs of our scheme members.

MPF Portability

"MPFS (Amendment) Bill 2009" was approved by Legislative Council on 8 July 2009, which allows all employees to transfer their own mandatory contributions once a year, with implementation expected to be carried out at the soonest by early 2011.

Under the current regulations, employees can only transfer their MPF accounts from their employer's MPF scheme to a selected MPF account after termination of their employment. According to the new Ordinance, employees will have more choices and they are no longer confined to the employers' designated trustee. Within their existing terms of employment, they can choose to transfer their own mandatory contributions to their selected MPF scheme in a lump sum at least once a year.

Tips for Medical Insurance

Is the body check compulsory when applying for medical insurance?
For normal cases, the client will only be requested to provide accurate medical history on the applicant form. Under certain circumstances, to help underwriting and to formulate the premium, some insurance companies may request the applicant to have a body check.

Renew and whole life coverage
Medical insurance has an age limit and a renewal age limit. For most cases, the age limit is 65 years old and the renewal age limit is usually 75. Regarding the increase of life expectancy, a whole life medical insurance plan is suggested as this type of plan can be guaranteed to be renewed until the insured is 100 years old.

Don't forget the waiting period
Some medical plans include a waiting period from 14 days to 1 year after the policy’s effective date. Medical expenses for sicknesses that occur in this period will be not covered by the plan. Medical expenses caused by accidents are not conditioned by the waiting period.

Source: The Hong Kong Federation of Insurers web site

ING Professional Wealth Planners
Million Dollar Round Table (MDRT) Million Dollar Round Table (MDRT) represents the industry's highest international honor. Only topmost of wealth planner worldwide have been awarded this honor, they should really be the "Best of the Best". Noble Agent To qualify as a "ING Noble Agent", the wealth planner must meet all the selection guidelines of an Elite Agent and must be MDRT agents with at least five qualifying years. Only 3% of our agency work force is awarded this great honor. Elite Agent The recognition of ING "Elite Agent" is a symbol of outstanding achievement and less than 10% of our agency force can attain this honor.
Zoom
Zoom
Zoom
Zoom