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Term Life

Term Life Insurance (also known as “Pure Life Insurance”) usually has lower price (premium) and higher leverage (death benefit multiple) compared to Whole Life Insurance. A lump sum death benefit is paid to the beneficiary if the insured dies within the benefit period. The premium varies by issue age, premium term and benefit term. There are limits on the renewal age and coverage age. 10Life scores the term life products based on the coverage value, including the price and the terms.
We found Term Life product(s) matching your selected filters.
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FWD | 富衛
MyTerm
Product Details
10-year RenewalOnline Underwriting
10.0/10$1,000$300#$1,000$660#
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
Product Website
Quote Now
Bowtie | 保泰人壽
Bowtie Term Life
Product Details
Yearly RenewalOnline Underwriting
10.0/10$640$352#$852$824#
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
Product Website
Quote Now
ZA Insure | 眾安人壽
ZA Life Protection
Product Details
10-year RenewalOnline Underwriting
9.8/10
$870
$870
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
Blue
WeCare Term Life Protection Plan 2
Product Details
10-year RenewalOnline Underwriting
9.6/10
$900
$900
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
ZA Insure | 眾安人壽
ZA Life Protection
Product Details
5-year RenewalOnline Underwriting
9.4/10
$730
$925
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
Blue
WeCare Term Life Protection Plan 2
Product Details
5-year RenewalOnline Underwriting
9.3/10
$740
$930
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
ZA Insure | 眾安人壽
ZA Life Protection
Product Details
Yearly RenewalOnline Underwriting
9.2/10
$650
$941
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
FWD | 富衛
MyTerm
Product Details
20-year RenewalOnline Underwriting
9.2/10$1,430$429#$1,430$944#
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
Product Website
Quote Now
FWD | 富衛
MyTerm
Product Details
5-year RenewalOnline Underwriting
9.2/10$990$297#$1,140$952#
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
Product Website
Quote Now
HSBC Life | 滙豐保險
HSBC Family Protector
Product Details
10-year RenewalOnline Underwriting
9.2/10$1,031$258#$1,031$953#
10.0/10
10Life Rating
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium 10-year Average Annual Premium Terms Score
Product Website
Quote Now

Term Life

We found Term Life product(s) matching your selected filters.
FWD | 富衛
MyTerm
10-year RenewalOnline Underwriting
10Life Rating :
10.0/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$1,000$300#
10-year Average Annual Premium :
$1,000$660#
Terms Score :
10.0/10
Quote Now
Bowtie | 保泰人壽
Bowtie Term Life
Yearly RenewalOnline Underwriting
10Life Rating :
10.0/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$640$352#
10-year Average Annual Premium :
$852$824#
Terms Score :
10.0/10
Quote Now
ZA Insure | 眾安人壽
ZA Life Protection
10-year RenewalOnline Underwriting
10Life Rating :
9.8/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$870
10-year Average Annual Premium :
$870
Terms Score :
10.0/10
Blue
WeCare Term Life Protection Plan 2
10-year RenewalOnline Underwriting
10Life Rating :
9.6/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$900
10-year Average Annual Premium :
$900
Terms Score :
10.0/10
ZA Insure | 眾安人壽
ZA Life Protection
5-year RenewalOnline Underwriting
10Life Rating :
9.4/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$730
10-year Average Annual Premium :
$925
Terms Score :
10.0/10
Blue
WeCare Term Life Protection Plan 2
5-year RenewalOnline Underwriting
10Life Rating :
9.3/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$740
10-year Average Annual Premium :
$930
Terms Score :
10.0/10
ZA Insure | 眾安人壽
ZA Life Protection
Yearly RenewalOnline Underwriting
10Life Rating :
9.2/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$650
10-year Average Annual Premium :
$941
Terms Score :
10.0/10
FWD | 富衛
MyTerm
20-year RenewalOnline Underwriting
10Life Rating :
9.2/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$1,430$429#
10-year Average Annual Premium :
$1,430$944#
Terms Score :
10.0/10
Quote Now
FWD | 富衛
MyTerm
5-year RenewalOnline Underwriting
10Life Rating :
9.2/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$990$297#
10-year Average Annual Premium :
$1,140$952#
Terms Score :
10.0/10
Quote Now
HSBC Life | 滙豐保險
HSBC Family Protector
10-year RenewalOnline Underwriting
10Life Rating :
9.2/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$1,031$258#
10-year Average Annual Premium :
$1,031$953#
Terms Score :
10.0/10
Quote Now

Further Readings

With the highest per capita life insurance premium in the world, why Hong Kong still has such a big Mortality Protection Gap? (Updated Sep 2021)
31/12/2021
10Life Team
Term Life Insurance
Whole Life Insurance
How to choose the coverage period for term life insurance? (Sep 2021) (Chinese Article)
31/10/2022
10Life Team
Term Life Insurance
What to do with your insurance policies before leaving Hong Kong?
07/11/2022
10Life Team
Wealth
Comparing Common Exclusions on Life vs. General Insurance (Updated Oct 2022)
31/10/2022
10Life Team
Term Life Insurance
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Remarks:

  1. Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
  2. 10Life Product Comparison and 10Life Insurance Ratings are operated by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.
  3. Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claims and losses arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information.

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