Claim bonus dividend (CBD)

The claim bonus dividend is a possible final bonus, which may be paid at the end of the investment term or in the event of a death claim, to reflect investment performance over the time that you have been in the fund. It is in addition to the annual dividend and is added as a percentage of the bid value of the units.

The rate of the claim bonus dividend is reviewed twice a year on 1 February and 1 August, but we may need to change it at short notice if investment conditions change significantly.

The rates below are as at 6 November 2008. Please contact us for confirmation of the current rates if you are considering encashing the fund before the investment term. Past performance is not indicative of future performance.

Choose from the options below

GGF (Series 2) CBD rates as at 6 November 2008

GGF 6 CBD rates as at 6 November 2008

GGF5 and GGF2001 CBD rates as at 6 November 2008

GGF7 CBD rates as at 6 November 2008

Surrender bonus dividend (SBD)

If you come out of the fund before the end of the investment term, a surrender bonus dividend may apply if investment performance has been good enough over the time that you have been in the fund. This will be paid in addition to the annual dividends that have already been added.

The surrender bonus rates can change at any time, but are not expected to change more than once a month.

Please note that either a claim bonus dividend or a surrender bonus dividend may apply, but not both. Claim bonus and surrender bonus dividend rates vary depending on the start date of the policy.

Please contact us for confirmation of the current rates applicable to your policy if you are considering encashing the fund before the end of the investment term.

CMI Financial Management Services Ltd
Unit 2408
9 Queen's Road
Central
Hong Kong

Tel: 852 2956 1288
Fax: 852 2956 2302
Email: hk.cs@clericalmedical.com

Please only use email for general enquiries as your message is not encrypted and will not be secure.

*CMI Insurance Company Limited guarantees that the price of units in the Guaranteed Growth Funds can never fall, although a market value adjuster (MVA) may apply if you withdraw from the funds before the end of the plan term. The level of MVA depends on the currency and date of investment. Please read the ‘Clerical Medical Guaranteed Growth Funds and the market value adjuster explained’ leaflet (HE568) for more information.