Compare Whole Life Protection

Protection Quick Guide
Gender
Male
Age
35
Payment Term
20 Years
Total Premium
500,000
Insurer
Currency
USD
Gender
Male
Age
35
Payment Term
20 Years
Total Premium
500,000

Male

Age : 35

Payment Term : 20 Years

Total Premium : 500,000

Insurer

USD

We found 27 Whole Life Protection Insurance product(s) matching your selected filters.
Assumptions
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5-Star Ratings
Generali | 忠意保險
LionPatron
20-year Payment
USD
10.0
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
4,677,981
21st - 50th Years Avg. Death Benefit
USD
1,734,842
Annual Premium
USD
25,000
WhatsApp Enquiry
Chubb Life | 安達人壽
Supreme Life Insurance Plan II (Regular Premium)
20-year Payment
USD
10.0
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,728,798
21st - 50th Years Avg. Death Benefit
USD
2,027,107
Annual Premium
USD
25,000
WhatsApp Enquiry
Sun Life | Sun Life 永明
SunProtect
20-year Payment
USD
9.7
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
4,139,072
21st - 50th Years Avg. Death Benefit
USD
1,541,804
Annual Premium
USD
25,000
WhatsApp Enquiry
CTF Life | 周大福人壽
“On Your Mind” Insurance Plan (Smart Version)
Happy Kids Certification Happy Kids Certification
20-year Payment
USD
9.6
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,548,678
21st - 50th Years Avg. Death Benefit
USD
1,506,246
Annual Premium
USD
25,000
WhatsApp Enquiry
YF Life | 萬通保險
Preeminence
20-year Payment
USD
9.3
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,358,491
21st - 50th Years Avg. Death Benefit
USD
1,945,755
Annual Premium
USD
25,000
WhatsApp Enquiry
BOC Life | 中銀人壽
CoverU Whole Life Insurance Plan
20-year Payment
USD
8.4
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,261,102
21st - 50th Years Avg. Death Benefit
USD
1,432,031
Annual Premium
USD
25,000
WhatsApp Enquiry
Chubb Life | 安達人壽
Custom Whole Life
20-year Payment
USD
7.6
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,663,944
21st - 50th Years Avg. Death Benefit
USD
1,584,708
Annual Premium
USD
25,000
WhatsApp Enquiry
FWD | 富衛
Life Gala Insurance Plan
20-year Payment
USD
7.5
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,620,223
21st - 50th Years Avg. Death Benefit
USD
1,620,223
Annual Premium
USD
25,000
WhatsApp Enquiry
CTF Life | 周大福人壽
“On Your Mind” Insurance Plan (Supreme Version)
20-year Payment
USD
7.3
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,789,861
21st - 50th Years Avg. Death Benefit
USD
1,289,990
Annual Premium
USD
25,000
WhatsApp Enquiry
Prudential | 保誠保險
PRUlife Protector 2
20-year Payment
USD
7.2
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,000,000
21st - 50th Years Avg. Death Benefit
USD
1,150,000
Annual Premium
USD
25,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Smart Protector II Life Insurance
20-year Payment
USD
6.3
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,376,792
21st - 50th Years Avg. Death Benefit
USD
1,376,792
Annual Premium
USD
25,000
WhatsApp Enquiry
Prudential | 保誠保險
LiveFree Protector
20-year Payment
USD
6.1
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,330,495
21st - 50th Years Avg. Death Benefit
USD
1,330,495
Annual Premium
USD
25,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Fortune Guard Life Insurance
20-year Payment
USD
6.1
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,325,637
21st - 50th Years Avg. Death Benefit
USD
1,325,637
Annual Premium
USD
25,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Fortune Protector Life
20-year Payment
USD
6.1
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,325,637
21st - 50th Years Avg. Death Benefit
USD
1,325,637
Annual Premium
USD
25,000
WhatsApp Enquiry
YF Life | 萬通保險
LifeDeluxe Insurance Plan Smart
20-year Payment
USD
5.7
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,233,350
21st - 50th Years Avg. Death Benefit
USD
1,233,350
Annual Premium
USD
25,000
WhatsApp Enquiry
Generali | 忠意保險
LionPatron
20-year Payment
USD
10Life Score
10.0
/ 10
First 20 Years Avg. Death Benefit
USD 4,677,981
21st - 50th Years Avg. Death Benefit
USD 1,734,842
Annual Premium
USD 25,000
WhatsApp Enquiry
Chubb Life | 安達人壽
Supreme Life Insurance Plan II (Regular Premium)
20-year Payment
USD
10Life Score
10.0
/ 10
First 20 Years Avg. Death Benefit
USD 2,728,798
21st - 50th Years Avg. Death Benefit
USD 2,027,107
Annual Premium
USD 25,000
WhatsApp Enquiry
Sun Life | Sun Life 永明
SunProtect
20-year Payment
USD
10Life Score
9.7
/ 10
First 20 Years Avg. Death Benefit
USD 4,139,072
21st - 50th Years Avg. Death Benefit
USD 1,541,804
Annual Premium
USD 25,000
WhatsApp Enquiry
CTF Life | 周大福人壽
“On Your Mind” Insurance Plan (Smart Version)
Happy Kids Certification Happy Kids Certification
20-year Payment
USD
10Life Score
9.6
/ 10
First 20 Years Avg. Death Benefit
USD 2,548,678
21st - 50th Years Avg. Death Benefit
USD 1,506,246
Annual Premium
USD 25,000
WhatsApp Enquiry
YF Life | 萬通保險
Preeminence
20-year Payment
USD
10Life Score
9.3
/ 10
First 20 Years Avg. Death Benefit
USD 2,358,491
21st - 50th Years Avg. Death Benefit
USD 1,945,755
Annual Premium
USD 25,000
WhatsApp Enquiry
BOC Life | 中銀人壽
CoverU Whole Life Insurance Plan
20-year Payment
USD
10Life Score
8.4
/ 10
First 20 Years Avg. Death Benefit
USD 2,261,102
21st - 50th Years Avg. Death Benefit
USD 1,432,031
Annual Premium
USD 25,000
WhatsApp Enquiry
Chubb Life | 安達人壽
Custom Whole Life
20-year Payment
USD
10Life Score
7.6
/ 10
First 20 Years Avg. Death Benefit
USD 1,663,944
21st - 50th Years Avg. Death Benefit
USD 1,584,708
Annual Premium
USD 25,000
WhatsApp Enquiry
FWD | 富衛
Life Gala Insurance Plan
20-year Payment
USD
10Life Score
7.5
/ 10
First 20 Years Avg. Death Benefit
USD 1,620,223
21st - 50th Years Avg. Death Benefit
USD 1,620,223
Annual Premium
USD 25,000
WhatsApp Enquiry
CTF Life | 周大福人壽
“On Your Mind” Insurance Plan (Supreme Version)
20-year Payment
USD
10Life Score
7.3
/ 10
First 20 Years Avg. Death Benefit
USD 1,789,861
21st - 50th Years Avg. Death Benefit
USD 1,289,990
Annual Premium
USD 25,000
WhatsApp Enquiry
Prudential | 保誠保險
PRUlife Protector 2
20-year Payment
USD
10Life Score
7.2
/ 10
First 20 Years Avg. Death Benefit
USD 2,000,000
21st - 50th Years Avg. Death Benefit
USD 1,150,000
Annual Premium
USD 25,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Smart Protector II Life Insurance
20-year Payment
USD
10Life Score
6.3
/ 10
First 20 Years Avg. Death Benefit
USD 1,376,792
21st - 50th Years Avg. Death Benefit
USD 1,376,792
Annual Premium
USD 25,000
WhatsApp Enquiry
Prudential | 保誠保險
LiveFree Protector
20-year Payment
USD
10Life Score
6.1
/ 10
First 20 Years Avg. Death Benefit
USD 1,330,495
21st - 50th Years Avg. Death Benefit
USD 1,330,495
Annual Premium
USD 25,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Fortune Guard Life Insurance
20-year Payment
USD
10Life Score
6.1
/ 10
First 20 Years Avg. Death Benefit
USD 1,325,637
21st - 50th Years Avg. Death Benefit
USD 1,325,637
Annual Premium
USD 25,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Fortune Protector Life
20-year Payment
USD
10Life Score
6.1
/ 10
First 20 Years Avg. Death Benefit
USD 1,325,637
21st - 50th Years Avg. Death Benefit
USD 1,325,637
Annual Premium
USD 25,000
WhatsApp Enquiry
YF Life | 萬通保險
LifeDeluxe Insurance Plan Smart
20-year Payment
USD
10Life Score
5.7
/ 10
First 20 Years Avg. Death Benefit
USD 1,233,350
21st - 50th Years Avg. Death Benefit
USD 1,233,350
Annual Premium
USD 25,000
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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Compare Life Insurance
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 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. 

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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Compare Life Insurance
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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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5-Star Insurance Award 2025
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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