Difference in fees and charges between the products
Special terms and conditions which may be applicable to the replacement product as compared to the terminated product
Impact of age and health changes on the premium to be paid
Difference in tax implication
Material differences between the investment risk of the replacement product and the terminated product
Penalties or unrecovered expenses deductible or payable due to termination of products
To what extent the replacement products is readily realizable or relevant funds are accessible compared to the terminated products
Vesting rights, minimum guaranteed benefits or other guarantees or benefits that will be lost as a result or consequence of the replacement product
Any incentives, remuneration, consideration, fees received directly or indirectly by the FSP in relation to the financial services offered for either or both the terminated and/or replacement products