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編輯推介

醫療保險

【平買醫保】識得買醫療保險大房計劃都claim足到

【醫療保險】住院vs門診點樣揀？一次了解保障重點

Term VS Whole Life Insurance

Premium rate

Coverage amount

Protection period

Savings element

Term Life

Lower

Higher
(based on same preimum amount)

Fixed term or up to certain age

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.

Death Benefit

The amount of proceeds the beneficiary will receive should the insured pass away.

Breakeven Period

When the surrender value of a life policy is equal or above the total premiums paid.

Who should buy Life Protection?

Breadwinners

To ensure parents, spouse and children have sufficient cash to sustain living should the breadwinner pass away

Mortgage borrowers

Life protection can help pay off your outstanding mortgage in case you pass away, safeguarding the living shelter for your family.

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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.

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How should you choose life protection?

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Life Protection Insurance Quick Guide

Protection Gap

Death Benefit

Breakeven Period