Hong Kong IIQE Paper 3: Long-Term Life Study Framework

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IIQE Paper 3 — life product families, riders, provisions, sales process & claims

Who this is for

Map term, whole life, endowment, universal, ILAS and annuity to needs
Explain buyer consequences of grace, nonforfeiture, loans, beneficiaries and cooling-off
State conduct boundaries for FNA, replacement, illustrations and dividend language

Needs, principles and premium logic — Why life cover exists; interest & disclosure; benefit vs indemnity; level premium and cash-value roots.
Product families: term to ILAS and annuity — Term, endowment, whole life, universal, unit-linked/ILAS, immediate/deferred annuity and group master policies—mechanisms only, no rankings.
Riders, living benefits and VHIS — Disability waiver/income, accident, CI acceleration, LTC sketch, GIO, VHIS Standard/Flexi.
Reading policy provisions — Entire contract, incontestability, grace, beneficiaries, nonforfeiture, loans, reinstatement, assignment, dividends/settlement, suicide exclusion.
Lifecycle: apply through claims — Underwriting, cooling-off (GL29), replacement, illustrations, FNA (GL30), gift limits, substandard risk, maturity/death/surrender claims.

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