Compare Term Life Insurance

Term Life Quick Guide
Gender
Male
Age
35
Target Protection Period
10 Years
Sum Assured
1,000,000
Insurer
Renewal Term
5-year Renewal
Underwriting
Any
Gender
Male
Age
35
Target Protection Period
10 Years
Sum Assured
1,000,000

Male

Age : 35

Target Protection Period : 10 Years

Sum Assured : 1,000,000

Insurer

Renewal Term : 5-year Renewal

Underwriting : Any

We found 13 Term Life product(s) matching your selected filters.
Assumptions
Sort By
10Life Score
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
812
First Year Premium
700
HKD 350
Product Website
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
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
WhatsApp Enquiry
Blue | Blue
WeCare Flexible Term Life Protection Plan TF1
Online Underwriting
8.6
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,025
First Year Premium
HKD 820
WhatsApp Enquiry
FWD | 富衛
MyTerm Series
Standard Underwriting
8.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,140
First Year Premium
HKD 990
WhatsApp Enquiry
Zurich | 蘇黎世
Zurich Term Life Insurance Plan
Online Underwriting
7.5
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,231
First Year Premium
HKD 1,069
WhatsApp Enquiry
Prudential | 保誠保險
PRUTerm Family Protector
Standard Underwriting
6.5
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,505
First Year Premium
HKD 1,290
WhatsApp Enquiry
AIA | 友邦香港
Wisdom Term Life
Online Underwriting
6.3
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,595
First Year Premium
HKD 1,350
WhatsApp Enquiry
China Life | 中國人壽
Simply 5 Years Term Life
Online Underwriting
6.3
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,595
First Year Premium
HKD 1,390
WhatsApp Enquiry
CTF Life | 周大福人壽
5-year Term Life Plan
Standard Underwriting
5.9
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,735
First Year Premium
HKD 1,350
WhatsApp Enquiry
YF Life | 萬通保險
5-Year Renewable & Convertible Term Insurance
Standard Underwriting
5.9
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,740
First Year Premium
HKD 1,400
WhatsApp Enquiry
Sun Life | Sun Life 永明
Five Year Term Plan II
Standard Underwriting
5.9
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,770
First Year Premium
HKD 1,540
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Smart Elite Term
Standard Underwriting
5.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,805
First Year Premium
HKD 1,460
WhatsApp Enquiry
Chubb Life | 安達人壽
Multi-Select Term
Standard Underwriting
5.4
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
1,875
First Year Premium
HKD 1,610
WhatsApp Enquiry
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 812
875
First Year Premium
HKD 350
700
Product Website
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
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
WhatsApp Enquiry
Blue | Blue
WeCare Flexible Term Life Protection Plan TF1
Online Underwriting
10Life Score
8.6
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,025
First Year Premium
HKD 820
WhatsApp Enquiry
FWD | 富衛
MyTerm Series
Standard Underwriting
10Life Score
8.0
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,140
First Year Premium
HKD 990
WhatsApp Enquiry
Zurich | 蘇黎世
Zurich Term Life Insurance Plan
Online Underwriting
10Life Score
7.5
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,231
First Year Premium
HKD 1,069
WhatsApp Enquiry
Prudential | 保誠保險
PRUTerm Family Protector
Standard Underwriting
10Life Score
6.5
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,505
First Year Premium
HKD 1,290
WhatsApp Enquiry
AIA | 友邦香港
Wisdom Term Life
Online Underwriting
10Life Score
6.3
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,595
First Year Premium
HKD 1,350
WhatsApp Enquiry
China Life | 中國人壽
Simply 5 Years Term Life
Online Underwriting
10Life Score
6.3
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,595
First Year Premium
HKD 1,390
WhatsApp Enquiry
CTF Life | 周大福人壽
5-year Term Life Plan
Standard Underwriting
10Life Score
5.9
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,735
First Year Premium
HKD 1,350
WhatsApp Enquiry
YF Life | 萬通保險
5-Year Renewable & Convertible Term Insurance
Standard Underwriting
10Life Score
5.9
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,740
First Year Premium
HKD 1,400
WhatsApp Enquiry
Sun Life | Sun Life 永明
Five Year Term Plan II
Standard Underwriting
10Life Score
5.9
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,770
First Year Premium
HKD 1,540
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Smart Elite Term
Standard Underwriting
10Life Score
5.8
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,805
First Year Premium
HKD 1,460
WhatsApp Enquiry
Chubb Life | 安達人壽
Multi-Select Term
Standard Underwriting
10Life Score
5.4
/ 10
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 1,875
First Year Premium
HKD 1,610
WhatsApp Enquiry
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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.

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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.
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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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Rating Methodology
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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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Rating Methodology
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General Enquiry
Hotline
3705 1599
10Life.com is operated by 10Life Financial Limited registered in Hong Kong under company number 1154750 (“10Life Financial”).
10Life Financial is an authorised insurance broker with Insurance Authority License Number FB1526 whose business includes operating insurance comparison website and arranging insurance products and services for its clients. 10Life Financial is wholly owned subsidiary of 10Life Group.

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