富邦人壽

富邦人壽保險股份有限公司

About this app

Fubon Life APP allows you to keep track of policy information at any time. Personalized service and a different operating experience. Both the general public and Fubon Life policyholders can get the most immediate and fast mobile service!

"Fingerprint, facial recognition and gesture pattern" login is super easy!

Commonly used functions are clearly listed on the "APP homepage" for quick use!

The "Policyholder Member Zone" provides 24-hour online inquiry, and the notification message can also be set to be linked to the mobile calendar reminder function, which is convenient and considerate.

"Policy Loan" allows you to borrow money instantly online to meet your urgent needs.

"Service Channel" quickly checks the address and phone number of service personnel and customer service centers, and you can call them immediately if necessary.

"My Health Management" has the function of taking photos and uploading them, making it convenient and able to manage health insurance policies independently.

★In order to provide better services, Fubon Life APP only supports operating system versions above Android 7.0 (inclusive). Please update the operating system as soon as possible to obtain better services!
★Remind you, it is recommended to install protective software to improve the security of your mobile device.

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Minimum and maximum period for repayment
The minimum and maximum periods of personal loan repayment are from the date the insurance company pays the loan amount to the end of this contract during the borrowing period. (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 principal and interest of the loan));
If this contract is an annuity insurance, the loan period will end when the contract is extinguished or
before payment starts. However, this does not apply to cases where the annuity guarantee period is stipulated in this contract or the insurance company cannot apply for an insurance policy loan before the guarantee amount is fully paid.
Maximum Annual Percentage Rate (APR)
The method of determining the borrowing interest rate varies according to the characteristics of each insurance product, as explained below:
1. Traditional products in Taiwan dollars: policy predetermined interest rate + overweight range, with an upper limit of 6.25%.
Overweight range: policy predetermined interest rate <= 2.5%: overweight 1.5%
2.5%＜Policy scheduled interest rate＜=3%: add 1%,
3%＜Policy scheduled 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, with an upper limit of 6.25%.
Overweight range: Take the larger (predetermined interest rate of the 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 policy, declared interest rate): add 0.5%.
3. Taiwan Dollar Variable Annuity/Taiwan Dollar Universal Life Insurance: Declared interest rate (Note 2) +1%, upper limit 6.25%.
4. Taiwan dollar investment type/Taiwan dollar Geely series products: General account weighted average interest rate (note 3) + 1%, upper limit 6.25%. ※The weighted average interest rate of the general account this year is 3.26%, and the borrowing interest rate is calculated at 4%
5. Foreign currency traditional commodities: Policy predetermined interest rate +1.5%, upper limit 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 variable annuity/foreign currency universal life insurance: declared interest rate (Note 2) +1.5%, upper limit 9%.
8. Foreign currency investment products/foreign currency linked bond products: General account weighted average interest rate (Note 3) + 2%, upper limit 9%.
9. Fubon Life (International) Global Dolly Universal Whole Life Insurance (FUC): Declared interest rate +0.5%, upper limit 9%.



Note 1: The announced interest rate refers to the interest rate announced by the company on the first business day of each month for the calculation and accumulation of 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 the anniversary (month) of each policy 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-profitable product" and "the higher of the announced interest rate and the predetermined interest rate of each profitable product" for the life insurance industry's general account, based on the deposits of each insurance product. The amount of liability reserves and the interest rate calculated by the weighted average.



2. However, if any of the following circumstances occurs to the insurance product loan interest rate in the preceding paragraph, the insurance company may adjust it and calculate interest based on the new interest rate from the date of announcement of the adjustment:
(1) When an adjustment is required due to an amendment to a law, the insurance company may calculate the interest rate based on the new interest rate stipulated in the law from the date the adjustment is announced in the law.
(2) When an insurance company needs to adjust its borrowing interest rate due to changes in market conditions, the interest rate adjustment range shall not exceed "Taiwan Bank, Cooperative Bank, Third
A bank's average lending rate adjustment range for the year. If the aforementioned banks are merged, merged, eliminated, ceased operations, bankrupt, reorganized or
If one of the circumstances mentioned in Article 62 of the Banking Law is ordered to suspend business, be subject to supervision, take over, etc., it shall be corrected or cancelled, and the insurance company may choose another one.
Bank replaces it.
(3) The loan interest rate adjustment in this article shall be publicly disclosed on the insurance company’s website or in a manner agreed with the borrower.
(4) The insurance company shall notify the borrower of the principal, interest and interest rate of the loan at the notification frequency and method 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, the annual interest rate of the policy loan is "4%"
One year's interest is 100,000 * 4% = 4,000 yuan, and there are no other related fees.
During the loan period, from the date when the insurance company pays the loan amount to the expiration of this contract, the borrower may repay or partially repay the principal and interest of the loan at any time)
Borrowing interest will be calculated daily from the date of appropriation using simple interest based on the insurance policy's annual interest rate, and interest on the loan will be paid once a year. Interest should be paid to the insurance company itself on the due date

Ratings and reviews

This app is like garbage.

步數功能找不到

智能文字客服不更新不給用？特重要的功能，想必也是資安相關必須更新！ 也不要灌水也不要刪評論，直接跟谷歌申請關閉評論功能就省時省力多了還可以少編制一個讀評論刪評論的人員也算是節省人事開支，反正客戶寫歸寫嫌歸嫌只要是富邦人壽客戶就非用不可。上一代舊版本相較起來在使用不滿意程度就遜色新版很多，好現象！

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