Compare Term Life Insurance

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 385

770

Fubon Life | 富邦人壽

Fubon Term Life Protector

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 174

580

FWD | 富衛

MyTerm Plus Superior Plan

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 460

920

FWD | 富衛

MyTerm Plus Standard Plan

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 378

630

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

First Year Premium

HKD 380

760

Bowtie | 保泰人壽

Bowtie Term Life

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

First Year Premium

HKD 192

640

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

First Year Premium

HKD 350

700

ZA Insure | 眾安人壽

ZA Life Protection

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 870

ZA Insure | 眾安人壽

ZA Life Protection

Online Underwriting

10Life Score

9.4

/ 10

Terms Score

10.0 / 10

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

First Year Premium

HKD 650

FWD | 富衛

MyTerm Plus Superior Plan

Online Underwriting

10Life Score

9.1

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 450

750

HSBC Life | 滙豐保險

HSBC Family Protector

Online Underwriting

10Life Score

9.1

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 344

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

First Year Premium

HKD 980

FWD | 富衛

MyTerm Series

Standard Underwriting

10Life Score

8.8

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 1,000

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

10Life Score

8.8

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 1,000

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

770

HKD

639

First Year Premium

770

HKD 385

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

743

First Year Premium

580

HKD 174

FWD | 富衛

MyTerm Plus Superior Plan

Online Underwriting

10.0

/ 10

10Life Score

Terms Score

10.0 / 10

Renewal Term

10-year Renewal

10-Year Average Premium

920

HKD

764

First Year Premium

920

HKD 460

FWD | 富衛

MyTerm Plus Standard Plan

Online Underwriting

10.0

/ 10

10Life Score

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

845

HKD

820

First Year Premium

630

HKD 378

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

760

HKD

722

First Year Premium

760

HKD 380

Bowtie | 保泰人壽

Bowtie Term Life

Online Underwriting

9.8

/ 10

10Life Score

Terms Score

9.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

852

HKD

735

First Year Premium

640

HKD 192

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

9.8

/ 10

10Life Score

Terms Score

9.0 / 10

Renewal Term

5-year Renewal

10-Year Average Premium

875

HKD

840

First Year Premium

700

HKD 350

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

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

FWD | 富衛

MyTerm Plus Superior Plan

Online Underwriting

9.1

/ 10

10Life Score

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

986

HKD

956

First Year Premium

750

HKD 450

HSBC Life | 滙豐保險

HSBC Family Protector

Online Underwriting

9.1

/ 10

10Life Score

Terms Score

10.0 / 10

Renewal Term

10-year Renewal

10-Year Average Premium

1,031

HKD

962

First Year Premium

1,031

HKD 344

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

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online 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 639

770

First Year Premium

HKD 385

770

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 743

784

First Year Premium

HKD 174

580

FWD | 富衛

MyTerm Plus Superior Plan

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

Renewal Term

10-year Renewal

10-Year Average Premium

HKD 764

920

First Year Premium

HKD 460

920

FWD | 富衛

MyTerm Plus Standard Plan

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

HKD 820

845

First Year Premium

HKD 378

630

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 722

760

First Year Premium

HKD 380

760

Bowtie | 保泰人壽

Bowtie Term Life

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

HKD 735

852

First Year Premium

HKD 192

640

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

Renewal Term

5-year Renewal

10-Year Average Premium

HKD 840

875

First Year Premium

HKD 350

700

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

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

FWD | 富衛

MyTerm Plus Superior Plan

Online Underwriting

10Life Score

9.1

/ 10

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

HKD 956

986

First Year Premium

HKD 450

750

HSBC Life | 滙豐保險

HSBC Family Protector

Online Underwriting

10Life Score

9.1

/ 10

Terms Score

10.0 / 10

Renewal Term

10-year Renewal

10-Year Average Premium

HKD 962

1,031

First Year Premium

HKD 344

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

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online 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

Add More Products

保障夠唔夠？定期人壽 VS 終身人壽應該點揀好？

【上網買保險】社恐人士必讀認識網上投保的特點

2024-10-30

5min read

10Life 編輯團隊

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.