Compare Whole Life Protection

Protection Quick Guide
Gender
Female
Age
35
Payment Term
1 Year
Total Premium
500,000
Insurer
Currency
USD
Gender
Female
Age
35
Payment Term
1 Year
Total Premium
500,000

Female

Age : 35

Payment Term : 1 Year

Total Premium : 500,000

Insurer

USD

We found 45 Whole Life Protection Insurance product(s) matching your selected filters.
Assumptions
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5-Star Ratings
Sun Life | Sun Life 永明
Generations II - 50 (50% of Sum Assured)
1-year Payment
USD
10.0
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,939,179
21st - 50th Years Avg. Death Benefit
USD
2,921,558
Annual Premium
USD
500,000
WhatsApp Enquiry
YF Life | 萬通保險
Preeminence
1-year Payment
USD
10.0
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,733,291
21st - 50th Years Avg. Death Benefit
USD
3,079,965
Annual Premium
USD
500,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Grand Heritage II
1-year Payment
USD
10.0
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,456,619
21st - 50th Years Avg. Death Benefit
USD
2,563,659
Annual Premium
USD
500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune - Longevity (70% guaranteed death benefit)
1-year Payment
USD
10.0
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,454,709
21st - 50th Years Avg. Death Benefit
USD
2,573,758
Annual Premium
USD
500,000
WhatsApp Enquiry
Sun Life | Sun Life 永明
Generations II - 70 (70% of Sum Assured)
1-year Payment
USD
10.0
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,188,371
21st - 50th Years Avg. Death Benefit
USD
2,853,592
Annual Premium
USD
500,000
WhatsApp Enquiry
BOC Life | 中銀人壽
Forever Legacy-Prime Plus
1-year Payment
USD
9.9
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,130,591
21st - 50th Years Avg. Death Benefit
USD
2,981,515
Annual Premium
USD
500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune - Longevity (50% guaranteed death benefit)
1-year Payment
USD
9.7
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
4,125,753
21st - 50th Years Avg. Death Benefit
USD
2,372,308
Annual Premium
USD
500,000
WhatsApp Enquiry
BOC Life | 中銀人壽
Forever Legacy-Prime
1-year Payment
USD
9.7
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,015,509
21st - 50th Years Avg. Death Benefit
USD
2,871,913
Annual Premium
USD
500,000
WhatsApp Enquiry
BOC Life | 中銀人壽
Forever Legacy-Select
1-year Payment
USD
9.2
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,764,613
21st - 50th Years Avg. Death Benefit
USD
2,632,965
Annual Premium
USD
500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune-Wealth
1-year Payment
USD
8.9
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
3,183,705
21st - 50th Years Avg. Death Benefit
USD
1,830,630
Annual Premium
USD
500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune - Longevity (100% guaranteed death benefit)
1-year Payment
USD
8.9
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,557,157
21st - 50th Years Avg. Death Benefit
USD
2,557,157
Annual Premium
USD
500,000
WhatsApp Enquiry
Sun Life | Sun Life 永明
Generations II - 100 (100% of Sum Assured)
1-year Payment
USD
8.2
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,358,825
21st - 50th Years Avg. Death Benefit
USD
2,358,825
Annual Premium
USD
500,000
WhatsApp Enquiry
Prudential | 保誠保險
LiveFree Protector
1-year Payment
USD
7.7
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,232,242
21st - 50th Years Avg. Death Benefit
USD
2,232,242
Annual Premium
USD
500,000
WhatsApp Enquiry
FWD | 富衛
Life Gala Insurance Plan
1-year Payment
USD
7.1
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
2,062,625
21st - 50th Years Avg. Death Benefit
USD
2,062,625
Annual Premium
USD
500,000
WhatsApp Enquiry
Manulife | 宏利
ManuPremier Protector
1-year Payment
USD
6.4
/ 10
10Life Score
First 20 Years Avg. Death Benefit
USD
1,853,819
21st - 50th Years Avg. Death Benefit
USD
1,853,819
Annual Premium
USD
500,000
WhatsApp Enquiry
Sun Life | Sun Life 永明
Generations II - 50 (50% of Sum Assured)
1-year Payment
USD
10Life Score
10.0
/ 10
First 20 Years Avg. Death Benefit
USD 3,939,179
21st - 50th Years Avg. Death Benefit
USD 2,921,558
Annual Premium
USD 500,000
WhatsApp Enquiry
YF Life | 萬通保險
Preeminence
1-year Payment
USD
10Life Score
10.0
/ 10
First 20 Years Avg. Death Benefit
USD 3,733,291
21st - 50th Years Avg. Death Benefit
USD 3,079,965
Annual Premium
USD 500,000
WhatsApp Enquiry
AXA Hong Kong and Macau | AXA 安盛
Grand Heritage II
1-year Payment
USD
10Life Score
10.0
/ 10
First 20 Years Avg. Death Benefit
USD 3,456,619
21st - 50th Years Avg. Death Benefit
USD 2,563,659
Annual Premium
USD 500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune - Longevity (70% guaranteed death benefit)
1-year Payment
USD
10Life Score
10.0
/ 10
First 20 Years Avg. Death Benefit
USD 3,454,709
21st - 50th Years Avg. Death Benefit
USD 2,573,758
Annual Premium
USD 500,000
WhatsApp Enquiry
Sun Life | Sun Life 永明
Generations II - 70 (70% of Sum Assured)
1-year Payment
USD
10Life Score
10.0
/ 10
First 20 Years Avg. Death Benefit
USD 3,188,371
21st - 50th Years Avg. Death Benefit
USD 2,853,592
Annual Premium
USD 500,000
WhatsApp Enquiry
BOC Life | 中銀人壽
Forever Legacy-Prime Plus
1-year Payment
USD
10Life Score
9.9
/ 10
First 20 Years Avg. Death Benefit
USD 3,130,591
21st - 50th Years Avg. Death Benefit
USD 2,981,515
Annual Premium
USD 500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune - Longevity (50% guaranteed death benefit)
1-year Payment
USD
10Life Score
9.7
/ 10
First 20 Years Avg. Death Benefit
USD 4,125,753
21st - 50th Years Avg. Death Benefit
USD 2,372,308
Annual Premium
USD 500,000
WhatsApp Enquiry
BOC Life | 中銀人壽
Forever Legacy-Prime
1-year Payment
USD
10Life Score
9.7
/ 10
First 20 Years Avg. Death Benefit
USD 3,015,509
21st - 50th Years Avg. Death Benefit
USD 2,871,913
Annual Premium
USD 500,000
WhatsApp Enquiry
BOC Life | 中銀人壽
Forever Legacy-Select
1-year Payment
USD
10Life Score
9.2
/ 10
First 20 Years Avg. Death Benefit
USD 2,764,613
21st - 50th Years Avg. Death Benefit
USD 2,632,965
Annual Premium
USD 500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune-Wealth
1-year Payment
USD
10Life Score
8.9
/ 10
First 20 Years Avg. Death Benefit
USD 3,183,705
21st - 50th Years Avg. Death Benefit
USD 1,830,630
Annual Premium
USD 500,000
WhatsApp Enquiry
FWD | 富衛
Glorious Fortune - Longevity (100% guaranteed death benefit)
1-year Payment
USD
10Life Score
8.9
/ 10
First 20 Years Avg. Death Benefit
USD 2,557,157
21st - 50th Years Avg. Death Benefit
USD 2,557,157
Annual Premium
USD 500,000
WhatsApp Enquiry
Sun Life | Sun Life 永明
Generations II - 100 (100% of Sum Assured)
1-year Payment
USD
10Life Score
8.2
/ 10
First 20 Years Avg. Death Benefit
USD 2,358,825
21st - 50th Years Avg. Death Benefit
USD 2,358,825
Annual Premium
USD 500,000
WhatsApp Enquiry
Prudential | 保誠保險
LiveFree Protector
1-year Payment
USD
10Life Score
7.7
/ 10
First 20 Years Avg. Death Benefit
USD 2,232,242
21st - 50th Years Avg. Death Benefit
USD 2,232,242
Annual Premium
USD 500,000
WhatsApp Enquiry
FWD | 富衛
Life Gala Insurance Plan
1-year Payment
USD
10Life Score
7.1
/ 10
First 20 Years Avg. Death Benefit
USD 2,062,625
21st - 50th Years Avg. Death Benefit
USD 2,062,625
Annual Premium
USD 500,000
WhatsApp Enquiry
Manulife | 宏利
ManuPremier Protector
1-year Payment
USD
10Life Score
6.4
/ 10
First 20 Years Avg. Death Benefit
USD 1,853,819
21st - 50th Years Avg. Death Benefit
USD 1,853,819
Annual Premium
USD 500,000
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.

© 2025 10Life Group Limited (registered in Hong Kong under company number 2366460) ("10Life Group"). All rights reserved.

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