Important Information:

  1. This website is applicable to Aviva Global Savings Account, Aviva Global Investment Account, Global Investment-Linked Plan, Aviva LifeLink Insurance Plan and LifeTrack Assurance Series - Investment-Linked Plan (collectively, “the ILAS”). The ILAS are not available for new policy application and are not marketed to the public in Hong Kong by Aviva now.
  2. The ILAS is long-term investment-linked insurance contracts issued by Aviva Life Insurance Company Limited ("Aviva") and your investments are subject to the credit risk of Aviva.
  3. The premium you pay towards your policy will become and remain the assets of Aviva. You are not investing into the underlying funds and do not have any ownership or rights of the underlying funds or their assets. Your recourse is against Aviva only. The investment options available under the ILAS can have very different features and risk profiles. Some may be of high risk.
  4. Your policy value is calculated by Aviva with reference to the performance of the underlying funds. The return of some of the investment-linked funds under Life Track Assurance Series- Investment-Linked Plan is calculated with reference to a pool of assets internally managed on a discretionary basis by Aviva.
  5. Return of investments under the ILAS will be subject to the fees and charges of the ILAS and may be lower than the return of the underlying funds corresponding to the investment-linked funds.
  6. Please note the following relating to life benefit and cost of insurance which is applicable to Aviva LifeLink Insurance Plan only:
    • Part of the fees and charges you pay that will be deducted from the value of your policy will be used to cover the cost of insurance for the life benefit.
    • The cost of insurance will reduce the amount that may be applied towards investment in the underlying funds corresponding to investment-linked funds selected.
    • The cost of insurance may increase significantly during the term of your policy due to factors such as the attained age of insured person and investment losses, etc. This may result in significant or even total loss of your premiums paid.
    • If the value of your policy becomes insufficient to cover all the ongoing fees and charges, including the cost of insurance, your policy may be terminated early and you could loss all your premiums paid and benefits.
    • You should consult Aviva for details, such as how the charges may increase and could impact your investment.
  7. Should investors make partial withdrawal, take premium holiday, reduce their original regular premium, or terminate the ILAS contract early, they may suffer a substantial loss in their investments premiums paid and/or bonus awarded. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible.
  8. Investment involves risk. Past performance is not indicative of future performance. You should not rely solely on the information contained in this website to select the investment-linked funds. For full details of the ILAS including fees, charges and risk factors, please refer to the offering documents of respective ILAS and the prospectus of the respective underlying funds for further information.
  9. The ILAS and its offering documents have been authorised by the Hong Kong Securities and Futures Commission (“SFC”). SFC authorization is not a recommendation or endorsement of the ILAS nor does it guarantee the commercial merits of the ILAS or its performance. It does not mean the ILAS is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors.

This website is issued by Aviva.

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