保險公司必須就所推出的投資相連壽險計劃，因應個投資者的特定情況提供退保說明文件。你須細閱退保說明文件及簽名以示明白內容，才簽署申請認購有關計劃。
退保說明文件以某些假設回報率作為基礎，列出投保人在參與計劃首五年內的每年年終時，以及其後每五年直至計劃到期時退保，在扣除一切相關費用後，預計可取回的退保發還金額。
大家要留意：說明文件中的回報率只屬假設性質，與實際回報率或會有差異。
退保說明文件並非旨在預測投資相連壽險計劃可提供的回報，而是要顯示根據某些假設回報率，投資者在被扣除費用後，將會獲發還的退保金額。中介人在銷售投資相連壽險計劃的過程中，必須向作為準客戶的你解釋清楚有關的收費結構。你須在退保說明文件上簽名，以示明白文件的內容。
如果想更深入了解投資相連壽險計劃，請參閱投資者及理財教育委員會的專題介紹。
最後更新日期: 2019年9月30日
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