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Ping An of China Ensuring Every Family Has Peace of Mind.

Although we cannot predict the future, we need to prepare for it.
The Value Continuity Whole Life Insurance Plan is a flexible lifelong life insurance program that allows you to tailor it to your financial needs
According to your financial plan for different life stages' needs
Help you build wealth, secure growth, and pass on a prosperous financial legacy for future generations.
The plan's high potential returns can help you accumulate wealth, and you can tailor the plan to your evolving financial needs.
We offer three currencies to help you realize your diverse wealth plans in the future.
For example, preparing funds for your children's overseas education or planning for your owr future retirement.
You can also utilize a series of wealth inheritance solutions within the plan to provide your descendants with a lasting legacy.
Give future generations an enduring legacy.

★ Continuous value growth accompanies you through life's various stages

Continuous value growth accompanies you through life's various stages

Long-term SavingswithPotential High Returns

The ValueContinuityWhole LifeInsurance Planisalifelong participating planthat offershighpotential retuns, life, andacidentaldatheneitsYucanchetpayinlmpum,veyears,orveryears, and selct ps in US dollars, Chinese yuan, or Hong Kong dollars.

Ifyou chooseUS dollarsasthe policycurrencyand paypremiumsover5years youcanenjoythe following potential returns:

Note:

TheTotalInternalRateofReturnTRdoesnotrepresenfutureperformanceandisnotguaranteed.ntheworst-case scenariotheactulintnalratefrtatthendf theothpoliearmayequalttheguaranteedie rate of return,i.e., x%

* The expected surrenderrefund amount inthe above example isthe sum of the guaranteed cash value and non-guarantedcashvaencldinanreveriblebonseandeminalbonsehecurrentxectedsurrende refundamunidendatanddividenddistriutinatdntrfectfutureeformanceandarentguaraned Past orcurrentbusinessperformanceshoudnotbenterpretedasanindicatoroffutureperformanceThefacevale and cash value of reverible bonuses and terminal bonuses are non-guaranteed and may vary annually. Their amounts are solely determined by Ping An (Hong Kong) and maybe influenced by various factors, potentiallybeing higher or lower than previously dislosed values, and may be higher or lower than those shown above. The above example assumesnocashwithdrawals orpolicyloansdring the entirepolicyterm,noexerciseof dividend and bons lock-in options, and no policy split.

The expected payback period isnot guaranteed.TheTIRRat theend of theOothpolicyyearhasbeenadustedto the nearest percentage and is non-guaranteed.The actualTIRRat the end of the oth policy yearmaybe higher or lowerthantheindicatedfigureheTRRatthendoftheOthpoliyyarassumes:ilpremiumsareaidinfllnd ontime;(iTotalpremiumspaiddonotncludefeeschargedbytheIsuranceAthority;(iNdeathbenefitsorurre derrefundshavebeenorwilbepaid;(iowithdrawalshavebeenmadeandtherearenooutstanding loansagainst the policy;and(v)Thebasicsumassured remainsunchanged throughout thepolicytem.Whencalculating the inernal rateof returnattheendof the0othpolicyyearweconsider:iThetotalpremimspaid during thepremimpayment period for thebasic plan; and(i The expected total surrender refund amount at the end of the 10oth policy year.

Thegrowthofplannedvaluecomesfromguaranteedcashvalueandnonguaranteedterminaldividends,andthe sumof thetwoisthe“total cashvalue"

⑨ The non-guaranteed cashvaluewillincrease overthepolicyterm,while thenon-guaranteed terminal bonus will be paid upon surrender or termination of the policy.
① Starting from the 3rd policy anniversary,we may also pay non-guaranteed terminal bonuses when you surrender,terminate thepolicy,ormakea claimfordeathbenefits.
① To enhance yourfinancialflexibility,youcanusethepolicy'scashvalue ortakeapolicyloanofupto 90% of the total of the guaranteed cash value and anyrevertiblebonuses(the policy willremain valid).The amount of the non-guaranteed terminal bonus is primarily influenced by related investments (including but not limited to bonds,stocks,and other non-fixed income assets),so the actual amount cannot be determined at present.
⑨ The amount of thenon-guaranteed terminalbonus is primarly influenced byrelated investments, including but not limited to bonds,stocks,and other non-fixed income assets.Therefore,the actual amount cannotbe determined atpresent.

Totalcashvalue

Value growth

Ensurecash Non guaranteed final dividend

ThreeCurrencyChoicestoMatchYourLifePlan

[Value Continuity] Whole Life Insurance Plan

This planoffersthreecurrency options—US dollars,Hong Kong dollars,and Chinese yuan—foryoutochoose from.Atthe time of application, you may select your preferred currency for coverage and premium payments.During the policy term, Ping An Life Insurance Hong Kong) will manage the investments according to your chosen currency.

Lockin andsafeguardprofits

FinancilmarketsarecharacterizedbypportunitiesandriskswitholatlitybeinganinherentfactorTherefore youneed suficientflexibilitynd securitythelplock inreturnsand enjysteadywealhgrowth.TheValueContinit Whole LifeIsurancePlanoffesadividendlockinoptionallwingyoutosecurelylockinpolicyretunsand prott your terminal bonusesStaring from the15th policy anniversary, youcantransfer par of thenon-guaranteed teminal bonusestdividendlockinaccountThisaccountwillprovideanannual interestratewhichwillbeannouncedby Us fromtime to time.Youmayalso withdraw cashfromthisaccountaccording toyourfinancial needs at any time.

When you choose tolock inpartof thebenefis intothedividend account,we willreduce thenon-guaranteed dividends for the current and subsequent policy years accordingly, and the guaranteed cash value willalso decrease proportionally.

FlexibleCashWithdrawalstoMeetPersonal Needs

Tomeetftrersonaledsyoumayrequestfwithrwarftheguraneedcashvalervertiblen es, and nn-guaranteedcashvaleof feminalbonuses.weveryourpoliyvalewilldcrease accordinglffe withdrawingthecashalethebasicsumasurednderthepolicyand thetotalof paidbasicpremimsnderdeth benefits (orthe paid single premium forbasiccoverage,if applicable) will decrease.

Aditionallyyoumaychoosetowithdrawthe entirecashvalueof thepolicyponfull withdrawal youwillreceve the sumof the guaranteed cashvalue, reverible bonuses, non-guaranteed cashvalue of terminal bonuses,andany balances in the dividend and bonus lock-in accounts if applicable), and the policy willterminate.

Before paying any withdrawal amount, we will deduct any outstanding loans against the policy lif applicablel.

Allocationoptionsensuretheperpetual inheritanceofwealth

Policyholder RightsAdjustmentandWealth InheritanceDistribution Based onNeeds

ThroughtheValeContinuityWholeLifeInsurance Planyoucanpassnthevaleofthepolicofuture genr tions,helping toprotect yourfamily and providefortheir needs.

Atthemflitincasignatecondnredindividlinallringthliy whilethefirst insured isalive,youcan alsodesignateasecond insuredindividual.

Moreover, afer the premium payment period has ended and there are no outstanding policy loans, you may change the policyholder, insured, and beneficiaries. This option can be exercised once each policy year.

Forexample:Youcandesignateyoursonasthenewinsured,andsubsequentlyaddyourgranddaughterasthe second inuredfyouhavepecialfinanciallansandarrangementsyoucansetheolicyholderchangeoption transferwershipof theplan.nthiswayyucanpasonthepolcysvaletftregenerationsnuringthaty descendants enjoy a financially securefuture.

PolicySplitting OptionforFlexibleAssetAllocation

Starting from the end of the 3rd policy year or the completionof premium payments whicheverislater), you may exercisethePolipliingpionosplithexistingpolicyintwbytransferringparfitsaletantherli. Theoriginllwillmaninforcewihtsfctivdthangedhiethlitlwillhvetheff tive date as the original.

After the policy is split you may apply tochange the insured,allowing youto flexiblyallocateassetsand plan for ideal inheritance.

The policyholdermay split the policy an unlimited number of ftimes according fohispersonalneeds.

Multiple paymentmethodstoensure the safety and convenience foryourfamily

Ifthe insured passes away during the policytermwithouta designated second insured to succeed as thenext insuredwewil providealm-umdethenefit paymentothdsignatdbneficiryntheventftheneds unfortunatepassing,wewillpay a guaranteed amountof at least 105% of the total premiums paid,subject to deduction of any outstandingloans and interest.

You may arrange the payment of deathbenefits according to yourwisheswhile the insured isalive.There are three options to choose from:

1.Lump-sum payment: You may receive the payment immediately upon approval or on a specified date.

2.Fixed installment payments:Thebeneficiarymayreceive payments monthly,semi-annually,orannuall overaperiodf1,20,or30yearstheamountwillbecalculatedbased onthepolicyvaleat theimeand the selected term).

3.lncreasing installment payments:Thebeneficiarymayreceive aspecifiedinitialdeathbenefit amount monthly,semi-annually,orannuallyStarting from thesecond year, thisamount willincreaseby 3% annually until the death of the insured oruntil all accumulated interest (if any)hasbeenfully distributed.

Additional Accidental DeathBenefit

If youhaveneverchangedtheinsuredundertheplan,andtheinsureddiesunexpectedlyduringthe premiumpaymentperiod,wewillpaythis additionalaccidental deathbenefit inaddiiontothe death benefit.The additional accidentaldeathbenefit willbe equal tothe totalpremiumspaid,withamaximum payout of $100,000.

Policy Holiday

Life is full of challenges, so we provide a 2-year policy holiday. During the premium payment period, if you have other financial arrangements orfinancial difficulies, you can use this benefit During the holiday, thepolicyresponsibiltieswillnot terminate.If theoutstandingpremiumsarepaidbeforetheholidayends, the plan willremain valid.

MultiplePaymentTermsAvailableYou

can choose to paythe premiums ina lump sum oropt forpayment terms of 3 or5 years,making your financial arrangements moreflexible.

Additionally, you canchoose to pay theremaining premiums inadvance without opting fora lump sum, and wewill provide interest income generated from the earlypayment.

SimpleApplicationProcesswithNoMedical Examination Required

When applying for the [Value Continuity] Whole Life Insurance Plan,if the total annualized premium does notexceed our administrative limits,you do not need to provide any health documents.

[ValueLinked] LifetimeLifeInsurancePlan

Building aSecureFinancial Futurefor Future Generations

As Paul, a 40-year-old successful business owner, navigates the ever-changing phases of life,he has decided to seure hisfamilsfinanciafurWithhisbusinesscurrentlyhriving,ahashsenotakeproctivestesbyne the Ping An Value Continuity] Whole Life Insurance Plan with a lump-sum premium of $3 millin.This decision aims to ensure a financially stable futureforhiswife,Add,and their10-year-old son,Mike.

Important Notice

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non-guaranteed terminal dividends, and other policy values.
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translationisforreference purposes.Pleaserefertotheoffcialpolicydocumentsforprecise details.

RetireinAffluence:EnvisioningaBetterFuture

Snowy,a30-year-old unmarredcorporate professional,hasnommediateplanstostarafamilyand therefre wants to secure herfuturebyplanning forherretirment atayoung age.Shehas chosen toenrollinthe Ping AnVale ContinuitWhleiurancePlanwthpremimamenmfearpainganualllveragn policy's dividend unlocking feature, she ams tocapitalize onmarket opportunities and achievewealthappreciation.

Important Notice

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non-guaranteed terminal dividends, and other policy values.
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These donot serveasindicators of future non-guaranteed amounts.

5hecl exaleeired payment term.

6.Exerfll Note:Thistranslationisforreferencepurposes.Pleaserefertotheoficialpolicydocumentsforprecisedetails

Investing in Your Child's Future

Mary,ahigh schoolteacherandmothertoherewborndaughter,Trucy,isdeeply committedtosecuring herchild's futureeducation.oping toprovideTrucywiththeoportunitytstudybroadinthefuureMaryhasdecidedtnvst inher child'sfuture byinsurethePing AnValueContinuity] Life InsurancePlan with anannual premiumof 30,000$ over a period of 5 years.

Important Notice

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non-guaranteed terminal dividends, and other policy values.
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Thesedonot serveasindicators of future non-guaranteed amounts.

5ecl emleriswe payment term.

6.Exerfll stranslationisforreference purposes.Pleaserefertotheofficialpolicydocumentsforprecise details.

ProductManual andInsuranceProductDisclaimer

This product manual is provided solly asa general summary for your reference and does not constitute financial, investment, ortax-related advice oranyformof adviceWerecommend that youread boththis productmanualand the plicytems tofullyunderstand the tems and conditionsof the productThisdocument isdistribted solelywihin HongKngdhdntrffnirliingfrartid HongKong.foffering orseing anyinsurance product inanjurisdictionoutsideHongKong isilgalunder the pplicable lawsof that jurisdiction,China Ping AnLife Insurance (Hong Kong)CompanyLimited “PingAn LifeHong Kong"or "the Company") will not offer or sell any insurance product in that jurisdiction.

Dividend Philosophy

This is along-term participating insurance plan.The premiums you paywill be invested ina diversified range of assets according tourinvestment strategywhilefeesformaintainingpolicycoverageorexpenseswillbeappropri atelydeductedfromthepremiumsorassets.

Yourpolicymayshare inthedistributable surplus (if any)of therelevant product class,whichisdetermined frm time to time by us.The amount allocated to policyholders (if any) will not be less than 90% of the distributable surplus. One of ourdividend management principles isto ensure that profit distributionamong policyholders of different classes is fair.

Futureinvestmentperformanceisunpredictableomitigatethevolatilityof returnswewill pread the profis andlossesoverthelngeremf thepolicythereydistributingmorestablerevrsionarybosesandminlb nuses.

The dividends of the product are non-guaranteed and subject to the company's discretion and adjustments. Whendetrminingdividendswewillconsiderarangeoffactorsbased onpastexperienceandfutureexpect tions, including but not limited to the following:

(1) Investment Returns - The product is supported by a core porfolio of assets, whose returns may be influenced by the following factors:

Capital gains or losses from the invested assets;
Interest income from fixed-income securities and dividend payments from equity holdings; Counterparty default risks and interest differentials for fixed-income securities (e.g., bonds); and ■Other market factors,such as investment and economic outlook.
(i Claims - Includes the costs associated with death benefits and other coverage provided by the prod uct.
(i) Surrenders - Includes full or partial surrenders or policy lapses.
(iv) Expenses - Includes costs directly related to the policy (e.g., commissions, underwriting fees, issuance, and premium collection expenses) and indirect expenses allocated to the product class (e.g. general administrativefees).

We haveestablishedacommiteetoprovideindependentopinionstotheCompany'sBoardofDirectorsregarding theamountsofcashbonusesandterminaldividendstobedistributed.Thecommitteiscomposedofmembersfrom differentfunctionaldepartmentsof theCompanyEachmemberof thecommittewilflflltheirdutiesasacommitee memberwithprudncriorndddiligecensuring thathetreamentweenpliyhldersandsharhle as well as among policyholders of different groups, is fair.

We willreviewanddeterminethereversionarybonusesand terminaldividendstobedistributedtopolicyholders at leastonceayearTheactualannouncedreversionarybonusesandterminaldividendsmaydiffefromthoseshown inthe product information le.g, the policyilutrationdocument).Youmay visit ur comanywebsiteat www.ife.pin gan.com.hktoviwtheCompany'shistoricaldividendrealizationratio;however,thisrealizationratioisnotanndicator of the future performance of dividend products and is provided for reference only.

Investment Philosophy

Our investment philosophy is centered on delivering stable returns to achieve long-term investment objectives whileminmizingtheolatlityfinvestmentreusWealostrivetcontrolnddiversifyrismaintainappropriat assetliquidity,andmanageassetsaccordingtoliabilityconditions.

We will activelymanage the investment porfolioby investing inamixof asset classesto control anddiversify investmentrissandtgeneratepotentialstablereunsindiffeenteconmicenvironmentsenerallwexpe invest throughthisproduct indiversifiedporfolioof investments,incldingbnt imited tstocksgvrnmen o corporatndtlisnahsrmariviv risk exposure, and ourinvestment strategy mayalsoutilie derivative instruments primarilyforhedging purposes.

In terms of geographical investment llcation,we tend to diversify our asset configuration across different geographiclocations.Our primary investment regions currently areAsia,NorthAmerica,and thebroaderEuropean continent.We primarilyinvest in USD and HKD-denominated assets.If we invest inassets denominated inother currencies,we will useforeign exchange derivatives tohedge against currency risk.

Our currency strategy aims to minimize currency mismatches.Forbonds or other fixed-income instruments,our current approach isto purchase bonds or similar fixed-income instruments that match the policy currency lie., using dollar assets to support dllr liabilities to the greatest extent posibleDpending onmarket investment conditions, we may invest inbonds or similar fixedincome instruments that do not match the policy currencyandutlize crrency swaptransactionstominimize currencyrisk.Forstocksorsimilarassets,curencyrisk dependsonthe gegraphical location of the investments, which is determined based on ourinvestment philosophy, policies, and requirements.

Actual investment operations, such asregional and currency distributions,willdepend onmarket timing when purchasing assets and maydiferfromthetargetassetallcation.nvestment strategiesmaychange accordingto market conditionsandeconomicotlooktheeventof significant changestothenvestmentstrategywewillinfrm policyholdersof thechangesthereasonsbehindthem,andtheirpotential mpact onthepolicyhesefactorswill be considered when determining the terminal dividend. Is.

PolicyTermination

This policywillbe terminated underthe following circumstances:

1.Death of the Insured: If the insured passes away,the policy willbe terminated. 2.Outstanding Loan Exceeding 90% of CashValue:If theoutstandingloan exceeds 90% of the total of the guaranteed cashvalue plusthe cashvalue of anyreversionarybonuses,the policywillbeterminated. 3.PolicySurrender:If thepolicyissurrendered,itwillbeterminated. 4.FailuretoPayPremiumsAfferGracePeriod:If premiums arenotpaidbytheendof the graceperiod and there is no guaranteed cashvalue under the policy,thepolicy will beterminated.

Thisplan allowsforchangestothepolicyholder/insured,theinsuredperson,and thebeneficiary.Forspecificdetails,pleaserefertotheinsuranceterms.

Main exclusions applicable to accidental death compensation

Wewill notpayaccidentaldeathbenefitsfordeathcauseddirectlyorindirectlybythefollowingreasons:

(a)War,Hostile Acts (whether declared ornot),Rebellion,Riot,orCivil Disturbance;
(b) Alcohol, Narcotics, or Drugs, unless taken under the prescription of a registered medical practitioner; (c) Suicide,Attempted Suicide,orSelf-inflicted Injury,regardless of mental state;
(d) Participation in any Criminal Activity;
(e) Scuba Diving,or Engaging in or Participating in any Competitions other thanFoot Races;
(fTravelingorFlying inanyAircraff orAeronauticalevice,exceptasapaying passengeronascheduled public flight; or
(g)ActivitiesorDiseasesSpecificallyExcludedfromCoverage(if any).

IrrevocableAfterTwoYears

Exceptfrcasesoffraudopaymenfpremimrmisreresentationfmkingstauhpolicsaliiy cannot be contested affer two years from the later of the policy issuance date,the policy effective date, or any reinstatementefetivedateprovided theinsured isstilliveAfferxercising the“Change f Insured Option, th two-yearperiod will restart from the effective date of the change (as recorded by the Company).

Suicide Clause

Iftheinsuredcommitssuicidewithinneyearfromthelaterf thepolicyissuancedate,thepolicyeffectivedate oranstamenfftivdatrdlssfhthhredwafdmndahthdh will onlycover therefund of premiumspaid without interest afferdeducting anyamountspreviouslypaidbyusunder this policy and any outstanding debts owed by you. If the insured is changed and the newinsured commitsuicide withinoneefrmthatftheffectivdtefthenredchangerarntatmenteffectivdatgardess of mental state, the deathbenefit wil only cover therefund of premims paid (without interest) affer deducting any amounts previouslpaidbysnderthispolicy,anyoutstanding debtsowedbyyou, orthe surendervale whichever is higher).

Right toCancel thePolicy

Youhave theright tocancelthepolicyinwriting and retrieve the premiums and premium collectionfees paidThe writen notice must be signed by youand submitted to the Customer Service Centerof Ping An Life Insurance (Hong Kong)Company Limited inHongKongwithin the cooling-offperiod,whichis21daysfrom the dateof delivery of the new policy or the issuance of the policy collection notice toyou or yourrepresentative (whicheveris earlierl.

Notes:

1.Guarslgrlrshrelflirlywhi that can be converted into cash.

2.eminlihmildidedisgdngngpicalld anllyhehntrionrfqdidclldis tonsydsdwi pll upon surrender,termination of the policy, ordeath claim.

3eversionherioaryividndgrgnlleven alldl aniil

4. Dividend Lock-in Option

Elibitfhlivitdiidlli ith only one application allowed perpolicy year.

LockinPresucackincerainerenteofyomildidendintdividndlockiconThlokemwil beequllpelldviddaleahfiilel policy anniversary date).Each lock-inapplicationrequires apercentage between 10% and 20% ora minimum amount of 100,witha cumulative total lock-in percentage not exceeding60\%$ Wemayrevisethepercentagelimits,minimumamount,and totallock-inercentageperpolicyat anyime.

Interestaynwilaneresnhetsckedithdidedkinaohestetgrnwil ermined by us from time to time.

PolicyFace Amount: Exercising the dividend lock-in option wil not reduce the policy's face amount.

5.Second Insured

Appindd lifetime of the existing Insured and while the policy is inforce.

SingleSecondInsured:Atanytimeduring thepolicy'scoverageperiod,therecanonlybeoneSecond Insured.
Eligibityforeconduredasedoncrrentainisrativeregulationsconduredmstnefthefolwin a:The existing policyholder;
b:The policyholder's spouse; or
c:The policyholder's children or grandchildren.

AgeReohrrdrldflyrsigdd appndfrdl

Choiceeeeiaryddeetheeolymaychdesigneefcarn isured. You may change this decision at any time.

Replaemnuresethftureud幸assewayst ialictionfomwiinneof dehil cationissubmittedwhiletheSecondInsuredisaliveandadherestotherulesaplicabletoInsuredreplacement.

Consequences Affer Replacement:

ONo death benefit will be paid for the deceased Insured.

Theedieehfddnreell same date.

Revisioinistatlovisinistratldinrl :Second Insured at any time.

6ollli 80% ofthtfglfeoyllrl ddli Uereidl determine from time to time for policy loans.

7.Facelifemwhidalmimgdchlgrd dvidndlldsti acrldiidlhg cash values,non-guaranteed terminal dividends,and other policy values.

8.Factors Affecting Terminal Dividends

Thedividdisrbregdirtevdsefr dividends, including (but not limited to):

Investment PerformanceFactors

orplaerformesinedbytheretofitvestnpolinhedividenlckinaccotheretay driven by:

Capitalgains orlossesfrominvestedassets;

Interest incomefromfixed-incomesecurities and dividendsfromequitysecurities(if any);

Defaul rsociatedwthfixdinmeeuritisebndscorieinbiltyreayvestme look; and

Externalmarketrisactorssuchaeconomicrecessonsmonetarpolicychangeandcurrencyflctuatin

nderthislsiifcaronfhvetentssllaqityrihicharnerllrel thanfix-incesecuritieCurrencyfltutionscanalesubstantialTherfore,thegateedminldivied amounts mayvary significantly and mayincrease ordecrease overtime.

ClamsFactorsOurhistoricalexperiencewithclamsfordeathbenefitsand/orothercoveraeentilementssellsth expected futurecosts associated withproviding deathbenefits and/orothercoverage entitlements.

ExpenseFactorshesefactors include direct costsrelated toisuing and managing yourpolicy,uchasagent commis snslerindliistrtihmin nirstsladyl general operating expenses).

RenewalFactorsPolicyrenewalratesandparialsurrendersmaympactthedividendsdistributedootheractivepolicies vithin the policy group.

Theactualfurebenefitsand/rreursmabehigherrlwerthanthevalescurrentlystatdinthepromotionalateri als.Forhistoricaldividenddistributiondata,pleaserefertoourwebsite.