Compare Term Life Insurance

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 185

370

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 87

290

FWD | 富衛

MyTerm Plus Superior Plan

Online Underwriting

10Life Score

10.0

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 215

430

Bowtie | 保泰人壽

Bowtie Term Life

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

First Year Premium

HKD 97

324

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

First Year Premium

HKD 180

360

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

10Life Score

9.8

/ 10

Terms Score

9.0 / 10

First Year Premium

HKD 170

340

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 370

ZA Insure | 眾安人壽

ZA Life Protection

Online Underwriting

10Life Score

9.6

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 350

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

10Life Score

9.4

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 390

FWD | 富衛

MyTerm Plus Standard Plan

Online Underwriting

10Life Score

9.4

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 222

370

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 330

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

10Life Score

9.2

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 340

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

10Life Score

8.9

/ 10

Terms Score

9.0 / 10

First Year Premium

HKD 215

430

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

10Life Score

8.9

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 370

Well Link Life | 立橋人壽

Well SmartPro

Online Underwriting

10Life Score

8.7

/ 10

Terms Score

10.0 / 10

First Year Premium

HKD 350

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

370

HKD

307

First Year Premium

370

HKD 185

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

332

HKD

312

First Year Premium

290

HKD 87

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

430

HKD

357

First Year Premium

430

HKD 215

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

362

HKD

306

First Year Premium

324

HKD 97

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

360

HKD

342

First Year Premium

360

HKD 180

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

365

HKD

348

First Year Premium

340

HKD 170

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
            
 370   

First Year Premium

HKD 370

ZA Insure | 眾安人壽

ZA Life Protection

Online Underwriting

9.6

/ 10

10Life Score

Terms Score  
 10.0 / 10    
Renewal Term  
 5-year Renewal   
10-Year Average Premium  

              HKD
            
 380   

First Year Premium

HKD 350

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

9.4

/ 10

10Life Score

Terms Score  
 10.0 / 10    
Renewal Term  
 10-year Renewal   
10-Year Average Premium  

              HKD
            
 390   

First Year Premium

HKD 390

FWD | 富衛

MyTerm Plus Standard Plan

Online Underwriting

9.4

/ 10

10Life Score

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

406

HKD

391

First Year Premium

370

HKD 222

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
            
 402   

First Year Premium

HKD 330

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

9.2

/ 10

10Life Score

Terms Score  
 10.0 / 10    
Renewal Term  
 Yearly Renewal   
10-Year Average Premium  

              HKD
            
 403   

First Year Premium

HKD 340

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

8.9

/ 10

10Life Score

Terms Score

9.0 / 10

Renewal Term

15-year Renewal

10-Year Average Premium

430

HKD

409

First Year Premium

430

HKD 215

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

8.9

/ 10

10Life Score

Terms Score  
 10.0 / 10    
Renewal Term  
 5-year Renewal   
10-Year Average Premium  

              HKD
            
 420   

First Year Premium

HKD 370

Well Link Life | 立橋人壽

Well SmartPro

Online Underwriting

8.7

/ 10

10Life Score

Terms Score  
 10.0 / 10    
Renewal Term  
 Yearly Renewal   
10-Year Average Premium  

              HKD
            
 431   

First Year Premium

HKD 350

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 307

370

First Year Premium

HKD 185

370

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 312

332

First Year Premium

HKD 87

290

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 357

430

First Year Premium

HKD 215

430

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 306

362

First Year Premium

HKD 97

324

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 342

360

First Year Premium

HKD 180

360

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 348

365

First Year Premium

HKD 170

340

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 370

First Year Premium

HKD 370

ZA Insure | 眾安人壽

ZA Life Protection

Online Underwriting

10Life Score

9.6

/ 10

Terms Score

10.0 / 10

Renewal Term

5-year Renewal

10-Year Average Premium

HKD 380

First Year Premium

HKD 350

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

10Life Score

9.4

/ 10

Terms Score

10.0 / 10

Renewal Term

10-year Renewal

10-Year Average Premium

HKD 390

First Year Premium

HKD 390

FWD | 富衛

MyTerm Plus Standard Plan

Online Underwriting

10Life Score

9.4

/ 10

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

HKD 391

406

First Year Premium

HKD 222

370

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 402

First Year Premium

HKD 330

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

10Life Score

9.2

/ 10

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

HKD 403

First Year Premium

HKD 340

Blue | Blue

WeCare Term Life Protection Plan TL3

Online Underwriting

10Life Score

8.9

/ 10

Terms Score

9.0 / 10

Renewal Term

15-year Renewal

10-Year Average Premium

HKD 409

430

First Year Premium

HKD 215

430

Blue | Blue

WeCare Flexible Term Life Protection Plan TF1

Online Underwriting

10Life Score

8.9

/ 10

Terms Score

10.0 / 10

Renewal Term

5-year Renewal

10-Year Average Premium

HKD 420

First Year Premium

HKD 370

Well Link Life | 立橋人壽

Well SmartPro

Online Underwriting

10Life Score

8.7

/ 10

Terms Score

10.0 / 10

Renewal Term

Yearly Renewal

10-Year Average Premium

HKD 431

First Year Premium

HKD 350

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.