Fubon Life Mobile e-Convenience App allows you to keep abreast of policy information at any time. Personalized service, feel a different operating experience. Whether the general public or Fubon Life Insurance policyholders, can get the most immediate and fast action service!
"Fingerprint, Facial Recognition and Gesture Graphics" login is super easy!
The common functions of "APP Homepage" are clearly listed and used quickly!
"Policy Member Area" 24-hour online inquiry, notification messages can also be linked to the mobile phone calendar reminder function, which is convenient and considerate.
"Policy Loan" online instant loan to meet urgent needs.
"Service Channel" quickly inquires about the address and phone number of service personnel and customer service centers, and can call immediately if necessary.
"My Health Management" can take photos and upload photos, which is convenient and self-management of health insurance policies.
★In order to provide better service, the mobile phone e-convenience APP only supports the operating system version above Android 7.0 (inclusive), please update the operating system as soon as possible to obtain better service!
★As a reminder, it is recommended to install protective software to enhance the security of your mobile device.
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Minimum and maximum period for repayment
The shortest and longest period of personal loan repayment is the loan period from the date when the insurance company pays the loan amount to the expiration of this contract. (The borrower may also repay or partially repay the loan at any time during the loan period.
Repay the principal and interest of the loan (hereinafter referred to as the loan principal and interest));
If this contract is an annuity insurance, the period from this loan period to the time when this contract expires or the year
until payment starts. However, this contract does not apply to those who can apply for an insurance policy loan during the annuity guarantee period or before the insurance company has fully paid the guarantee amount.
Maximum Annual Percentage Rate (APR)
The loan interest rate is determined according to the characteristics of each insurance product, as follows:
1. Traditional products in Taiwan dollars: the policy predetermined interest rate + overweight range, the upper limit is 6.25%.
Overweight range: policy predetermined interest rate <= 2.5%: overweight 1.5%
2.5%＜predetermined interest rate of policy＜=3%: add 1%,
3%＜Policy predetermined interest rate: plus 0.5%.
2. Taiwan dollar interest rate life insurance: take the maximum (predetermined interest rate of the policy, declared interest rate (Note 1)) + overweight range, the upper limit is 6.25%.
Overweight range: take larger (predetermined interest rate of policy, declared interest rate) <= 2.5%: overweight 1.5%
2.5% < take the larger (predetermined interest rate of the policy, declared interest rate) <= 3%: add 1%
3% < whichever is greater (predetermined interest rate of the policy, declared interest rate): plus 0.5%.
3. Taiwan Dollar Interest Annuity/Taiwan Dollar Universal Life Insurance: Declared interest rate (Note 2) + 1%, capped at 6.25%.
4. Taiwan dollar investment type / Taiwan dollar Geely series products: general account weighted average interest rate (Note 3) + 1%, the upper limit is 6.25%. ※The weighted average interest rate of general accounts this year is 3.26%, and the borrowing interest rate is calculated at 4%
5. Foreign currency traditional commodities: the policy predetermined interest rate +1.5%, the upper limit is 9%.
6. Foreign currency interest rate life insurance: take the maximum (predetermined interest rate of the policy, declared interest rate (Note 1)) + 1.5%, with an upper limit of 9%.
7. Foreign currency interest rate annuity/foreign currency universal life insurance: declared interest rate (Note 2) + 1.5%, capped at 9%.
8. Foreign currency investment commodities/foreign currency linked bond commodities: General account weighted average interest rate (Note 3) + 2%, with an upper limit of 9%.
9. Fubon Life (International) Global Tolly Universal Whole Life Insurance (FUC): Declared interest rate +0.5%, capped at 9%.
Note 1: Announced interest rate refers to the interest rate announced by the company on the first business day of each month for calculating and accumulating value-added reward sharing funds.
Note 2: The declared interest rate refers to the interest rate declared on the effective date of the contract or each policy anniversary (month) date and used to calculate the policy value reserve for the policy year (month).
Note 3: The weighted average interest rate of the general account is the “predetermined interest rate of each non-profit variant product” and the “declared interest rate of each profit variant product and the predetermined interest rate, whichever is higher”, by the life insurance industry for its general account. The amount of the liability reserve, the interest rate calculated by the weighted average.
2. However, the insurance company may adjust the interest rate of the insurance commodity loan in the preceding paragraph under any of the following circumstances and accrue the interest at the new interest rate from the date of announcement of the adjustment:
(1) When adjustment is required due to the amendment of laws and regulations, insurance companies may calculate the new interest rate stipulated by laws and regulations from the date when the laws and regulations announce the adjustment.
(2) When the insurance company needs to adjust the loan interest rate due to changes in market conditions, the interest rate adjustment range shall not exceed the "Taiwan Bank, Cooperative Treasury, No.
A bank’s average lending rate adjustment range for the current year. If the aforementioned banks are merged, merged, extinguished, closed, bankrupt, reorganized or
If any of the circumstances under Article 62 of the Banking Act are ordered to suspend business, supervise, take over, etc., it shall be corrected or cancelled, and the insurance company may select another
Bank instead.
(3) The content of the loan interest rate adjustment in this article shall be publicly disclosed on the insurance company's website or in a manner agreed upon with the borrower.
(4) The insurance company shall notify the borrower of the principal, interest and interest rate of the loan in the frequency and manner of notification agreed with the borrower.
A representative example of the total cost of the loan
A representative example of the total cost of a personal loan is
Suppose you borrow 100,000 yuan, and the annual interest rate of the policy loan is "4%"
One year's interest is 100,000*4%=4,000 yuan, no other related handling fees
The borrower may repay or partially repay the principal and interest of the loan at any time from the date when the insurance company pays the loan amount until the termination of this contract.)
The loan interest will be calculated as simple interest every day from the appropriation date according to the insurance policy loan annual interest rate, and the loan interest will be paid once a year. Interest should be paid to the insurance company on its own due date
"Fingerprint, Facial Recognition and Gesture Graphics" login is super easy!
The common functions of "APP Homepage" are clearly listed and used quickly!
"Policy Member Area" 24-hour online inquiry, notification messages can also be linked to the mobile phone calendar reminder function, which is convenient and considerate.
"Policy Loan" online instant loan to meet urgent needs.
"Service Channel" quickly inquires about the address and phone number of service personnel and customer service centers, and can call immediately if necessary.
"My Health Management" can take photos and upload photos, which is convenient and self-management of health insurance policies.
★In order to provide better service, the mobile phone e-convenience APP only supports the operating system version above Android 7.0 (inclusive), please update the operating system as soon as possible to obtain better service!
★As a reminder, it is recommended to install protective software to enhance the security of your mobile device.
-------------------------------------------------- ---------
Minimum and maximum period for repayment
The shortest and longest period of personal loan repayment is the loan period from the date when the insurance company pays the loan amount to the expiration of this contract. (The borrower may also repay or partially repay the loan at any time during the loan period.
Repay the principal and interest of the loan (hereinafter referred to as the loan principal and interest));
If this contract is an annuity insurance, the period from this loan period to the time when this contract expires or the year
until payment starts. However, this contract does not apply to those who can apply for an insurance policy loan during the annuity guarantee period or before the insurance company has fully paid the guarantee amount.
Maximum Annual Percentage Rate (APR)
The loan interest rate is determined according to the characteristics of each insurance product, as follows:
1. Traditional products in Taiwan dollars: the policy predetermined interest rate + overweight range, the upper limit is 6.25%.
Overweight range: policy predetermined interest rate <= 2.5%: overweight 1.5%
2.5%＜predetermined interest rate of policy＜=3%: add 1%,
3%＜Policy predetermined interest rate: plus 0.5%.
2. Taiwan dollar interest rate life insurance: take the maximum (predetermined interest rate of the policy, declared interest rate (Note 1)) + overweight range, the upper limit is 6.25%.
Overweight range: take larger (predetermined interest rate of policy, declared interest rate) <= 2.5%: overweight 1.5%
2.5% < take the larger (predetermined interest rate of the policy, declared interest rate) <= 3%: add 1%
3% < whichever is greater (predetermined interest rate of the policy, declared interest rate): plus 0.5%.
3. Taiwan Dollar Interest Annuity/Taiwan Dollar Universal Life Insurance: Declared interest rate (Note 2) + 1%, capped at 6.25%.
4. Taiwan dollar investment type / Taiwan dollar Geely series products: general account weighted average interest rate (Note 3) + 1%, the upper limit is 6.25%. ※The weighted average interest rate of general accounts this year is 3.26%, and the borrowing interest rate is calculated at 4%
5. Foreign currency traditional commodities: the policy predetermined interest rate +1.5%, the upper limit is 9%.
6. Foreign currency interest rate life insurance: take the maximum (predetermined interest rate of the policy, declared interest rate (Note 1)) + 1.5%, with an upper limit of 9%.
7. Foreign currency interest rate annuity/foreign currency universal life insurance: declared interest rate (Note 2) + 1.5%, capped at 9%.
8. Foreign currency investment commodities/foreign currency linked bond commodities: General account weighted average interest rate (Note 3) + 2%, with an upper limit of 9%.
9. Fubon Life (International) Global Tolly Universal Whole Life Insurance (FUC): Declared interest rate +0.5%, capped at 9%.
Note 1: Announced interest rate refers to the interest rate announced by the company on the first business day of each month for calculating and accumulating value-added reward sharing funds.
Note 2: The declared interest rate refers to the interest rate declared on the effective date of the contract or each policy anniversary (month) date and used to calculate the policy value reserve for the policy year (month).
Note 3: The weighted average interest rate of the general account is the “predetermined interest rate of each non-profit variant product” and the “declared interest rate of each profit variant product and the predetermined interest rate, whichever is higher”, by the life insurance industry for its general account. The amount of the liability reserve, the interest rate calculated by the weighted average.
2. However, the insurance company may adjust the interest rate of the insurance commodity loan in the preceding paragraph under any of the following circumstances and accrue the interest at the new interest rate from the date of announcement of the adjustment:
(1) When adjustment is required due to the amendment of laws and regulations, insurance companies may calculate the new interest rate stipulated by laws and regulations from the date when the laws and regulations announce the adjustment.
(2) When the insurance company needs to adjust the loan interest rate due to changes in market conditions, the interest rate adjustment range shall not exceed the "Taiwan Bank, Cooperative Treasury, No.
A bank’s average lending rate adjustment range for the current year. If the aforementioned banks are merged, merged, extinguished, closed, bankrupt, reorganized or
If any of the circumstances under Article 62 of the Banking Act are ordered to suspend business, supervise, take over, etc., it shall be corrected or cancelled, and the insurance company may select another
Bank instead.
(3) The content of the loan interest rate adjustment in this article shall be publicly disclosed on the insurance company's website or in a manner agreed upon with the borrower.
(4) The insurance company shall notify the borrower of the principal, interest and interest rate of the loan in the frequency and manner of notification agreed with the borrower.
A representative example of the total cost of the loan
A representative example of the total cost of a personal loan is
Suppose you borrow 100,000 yuan, and the annual interest rate of the policy loan is "4%"
One year's interest is 100,000*4%=4,000 yuan, no other related handling fees
The borrower may repay or partially repay the principal and interest of the loan at any time from the date when the insurance company pays the loan amount until the termination of this contract.)
The loan interest will be calculated as simple interest every day from the appropriation date according to the insurance policy loan annual interest rate, and the loan interest will be paid once a year. Interest should be paid to the insurance company on its own due date
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