Exchange Rates

* Exchange rates indicated above are for reference only. The applicable exchange rate is determined by the Company in its sole discretion and may change from time to time based on prevailing foreign currency exchange rates with reference to market benchmark rates and/or sources.

You will be exposed to exchange rate risk if you pay your premium in a currency (e.g. Hong Kong dollars) other than the denominated currency of your policy (e.g. US dollars). The fluctuation in the exchange rates of the relevant currencies may render you to pay more premium than your last payment. When you convert the policy benefits into the currency of the premium you pay, you may suffer loss in your policy benefits as a result of the relevant exchange rate fluctuation. Where the policy currency and/or the settlement currency differ(s) from your home currency, you will be subject to an exchange rate risk against your home currency.