Compare Term Life Insurance

Term Life Quick Guide

Male

Age : 35

Target Protection Period : 10 Years

Sum Assured : 1,000,000

Insurer

Renewal Term : Any

Underwriting : Any

We found 58 Term Life product(s) matching your selected filters.
Assumptions
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
832
HKD
769
First Year Premium
832
HKD 416
Fubon Life | 富邦人壽
Fubon Term Life Protector
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
784
HKD
770
First Year Premium
580
HKD 435
Bowtie | 保泰人壽
Bowtie Term Life
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
852
HKD
808
First Year Premium
640
HKD 192
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
9.8
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
650
First Year Premium
HKD 650
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
840
First Year Premium
HKD 840
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
870
First Year Premium
HKD 870
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
9.7
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
913
HKD
885
First Year Premium
680
HKD 408
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
9.6
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
875
First Year Premium
HKD 700
FWD | 富衛
MyTerm Plus Superior Plan
Online Underwriting
9.4
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
994
HKD
919
First Year Premium
994
HKD 497
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
9.4
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
925
First Year Premium
HKD 730
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
9.2
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD
941
First Year Premium
HKD 650
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
9.1
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
20-year Renewal
10-Year Average Premium
HKD
940
First Year Premium
HKD 940
HSBC Life | 滙豐保險
HSBC Family Protector
Online Underwriting
9.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
1,031
HKD
971
First Year Premium
1,031
HKD 430
BOC Life | 中銀人壽
iProtect 10 Years Insurance Plan
Online Underwriting
9.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
980
First Year Premium
HKD 980
FWD | 富衛
MyTerm Series
Standard Underwriting
8.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
1,000
First Year Premium
HKD 1,000
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 769
832
First Year Premium
HKD 416
832
Fubon Life | 富邦人壽
Fubon Term Life Protector
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 770
784
First Year Premium
HKD 435
580
Bowtie | 保泰人壽
Bowtie Term Life
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 808
852
First Year Premium
HKD 192
640
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
10Life Score
9.8
/ 10
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 650
First Year Premium
HKD 650
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 840
First Year Premium
HKD 840
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 870
First Year Premium
HKD 870
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
10Life Score
9.7
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 885
913
First Year Premium
HKD 408
680
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
10Life Score
9.6
/ 10
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 875
First Year Premium
HKD 700
FWD | 富衛
MyTerm Plus Superior Plan
Online Underwriting
10Life Score
9.4
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 919
994
First Year Premium
HKD 497
994
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
10Life Score
9.4
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 925
First Year Premium
HKD 730
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
10Life Score
9.2
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 941
First Year Premium
HKD 650
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
10Life Score
9.1
/ 10
Terms Score
9.0 / 10
Renewal Term
20-year Renewal
10-Year Average Premium
HKD 940
First Year Premium
HKD 940
HSBC Life | 滙豐保險
HSBC Family Protector
Online Underwriting
10Life Score
9.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 971
1,031
First Year Premium
HKD 430
1,031
BOC Life | 中銀人壽
iProtect 10 Years Insurance Plan
Online Underwriting
10Life Score
9.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 980
First Year Premium
HKD 980
FWD | 富衛
MyTerm Series
Standard Underwriting
10Life Score
8.8
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 1,000
First Year Premium
HKD 1,000
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Life Protection Insurance Quick Guide

What is Life Protection Insurance?
Provide death benefit
Protect famiy well-being

Life Protection can be categorised into Term Life and Whole Life. If the insured dies within the coverage period, the insurer would pay the sum insured to the designated beneficiary.

Term VS Whole Life Insurance
tutorial-life-icon-premium.png
Premium rate
tutorial-life-icon-sum-assured.png
Coverage amount
tutorial-life-icon-protection-period.png
Protection period
tutorial-ci-icon-saving-components.png
Savings element
tutorial-life-icon-term-life.png
Term Life
Lower
Higher
(based on same preimum amount)
Fixed term or up to certain age
No
tutorial-life-icon-whole-life.png
Whole Life
Higher
Lower
(based on same premium amount)
Lifetime
Yes, there is surrender value
Life Protection Glossary

Protection Gap

Refers to the shortage of cash to support the family should the breadwinner passes away.
tutorial_life-dictionary-protection-gap.png

Death Benefit

The amount of proceeds the beneficiary will receive should the insured pass away.
tutorial_life-dictionary-death-benefit.png

Breakeven Period

When the surrender value of a life policy is equal or above the total premiums paid.
tutorial_life-dictionary-breakeven-period.png
Who should buy Life Protection?
home-lifestage-family.png
Breadwinners
To ensure parents, spouse and children have sufficient cash to sustain living should the breadwinner pass away
persona-mortgagor.png
Mortgage borrowers
Life protection can help pay off your outstanding mortgage in case you pass away, safeguarding the living shelter for your family.
Frequently Ask Questions
What is the difference between Whole Life Protection and Savings Insurance?

While they both have a savings element, Whole Life Protection focuses on the guaranteed death benefit, and Savings Insurance focuses on wealth accumulation.

How do you calculate the protection gap?

The Insurance Authority and most insurance companies have protection calculators on their websites to help estimate protection gaps. You can also consult a licensed insurance advisor for a more accurate and personalised gap analysis.

How should you choose life protection?

10Life compares term life protection on the coverage age and renewable period, premium rates and terms. For whole life insurance, we evaluate the products based on the death benefit coverage throughout the lifetime. 

Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
How should you choose life protection?

10Life compares term life protection on the coverage age and renewable period, premium rates and terms. For whole life insurance, we evaluate the products based on the death benefit coverage throughout the lifetime. 

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