If the consultant applies for a Vista application, the initial contribution period (ICP) will be shorter and could refer to the table for details.
The consultant self-owned case is with a shorter ICP and the bonus will be reclaimed if
(1) the premium is decreased during the first 18 months from policy effective date or
(2) the policy is suspended during the first 18 months from policy effective date or
(3) a partial surrender is applied during the first 18 months from policy effective date.
Zurich Customer Hotline:3405 7150 (for general enquiries ONLY)