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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.
    Sort by
    FWD | 富衛
    MyTerm
    Product Details
    10-year RenewalOnline Underwriting
    10.0/10$1,000$100#$1,000$640#
    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
    10.0/10$870$653#$870$848#
    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
    Get Offer
    Blue
    WeCare Term Life Protection Plan 2
    Product Details
    10-year RenewalOnline Underwriting
    9.8/10$900$630#$900$873#
    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
    9.8/10$640$480#$852$837#
    9.0/10
    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
    5-year RenewalOnline Underwriting
    9.5/10$730$547#$925$907#
    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
    Get Offer
    Blue
    WeCare Term Life Protection Plan 2
    Product Details
    5-year RenewalOnline Underwriting
    9.5/10$740$518#$930$908#
    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
    New
    BOC Life | 中銀人壽
    iProtect 10 Years Insurance Plan
    Product Details
    10-year RenewalOnline Underwriting
    9.5/10
    $910
    $910
    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
    9.4/10$1,430$143#$1,430$915#
    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
    Yearly RenewalOnline Underwriting
    9.4/10$650$488#$941$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
    Product Website
    Get Offer
    FWD | 富衛
    MyTerm
    Product Details
    5-year RenewalOnline Underwriting
    9.3/10$990$99#$1,140$932#
    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$100#
    10-year Average Annual Premium :
    $1,000$640#
    Terms Score :
    10.0/10
    Product Website
    Quote Now
    ZA Insure | 眾安人壽
    ZA Life Protection
    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 :
    $870$653#
    10-year Average Annual Premium :
    $870$848#
    Terms Score :
    10.0/10
    Product Website
    Get Offer
    Blue
    WeCare Term Life Protection Plan 2
    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 :
    $900$630#
    10-year Average Annual Premium :
    $900$873#
    Terms Score :
    10.0/10
    Product Website
    Quote Now
    Bowtie | 保泰人壽
    Bowtie Term Life
    Yearly 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 :
    $640$480#
    10-year Average Annual Premium :
    $852$837#
    Terms Score :
    9.0/10
    Product Website
    Quote Now
    ZA Insure | 眾安人壽
    ZA Life Protection
    5-year RenewalOnline Underwriting
    10Life Rating :
    9.5/10
    Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
    1st Year Premium :
    $730$547#
    10-year Average Annual Premium :
    $925$907#
    Terms Score :
    10.0/10
    Product Website
    Get Offer
    Blue
    WeCare Term Life Protection Plan 2
    5-year RenewalOnline Underwriting
    10Life Rating :
    9.5/10
    Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
    1st Year Premium :
    $740$518#
    10-year Average Annual Premium :
    $930$908#
    Terms Score :
    10.0/10
    Product Website
    Quote Now
    New
    BOC Life | 中銀人壽
    iProtect 10 Years Insurance Plan
    10-year RenewalOnline Underwriting
    10Life Rating :
    9.5/10
    Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
    1st Year Premium :
    $910
    10-year Average Annual Premium :
    $910
    Terms Score :
    10.0/10
    FWD | 富衛
    MyTerm
    20-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 :
    $1,430$143#
    10-year Average Annual Premium :
    $1,430$915#
    Terms Score :
    10.0/10
    Product Website
    Quote Now
    ZA Insure | 眾安人壽
    ZA Life Protection
    Yearly 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 :
    $650$488#
    10-year Average Annual Premium :
    $941$925#
    Terms Score :
    10.0/10
    Product Website
    Get Offer
    FWD | 富衛
    MyTerm
    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 :
    $990$99#
    10-year Average Annual Premium :
    $1,140$932#
    Terms Score :
    10.0/10
    Product Website
    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)

    The overall protection gap in Hong Kon ... >>

    01/09/2021
    Term Life Insurance
    Whole Life Insurance
    How to choose the coverage period for term life insurance? (Sep 2021) (Chinese Article)

    純人壽保險保費低，人壽保障高，但正因為單價太低，對保險顧問來說可謂食之無味， ... >>

    15/09/2021
    Term Life Insurance
    What to do with your insurance policies before leaving Hong Kong? (Chinese Article)

    過去一段時間，由反修例風波到國安法立法，香港經歷不平凡的一年，觸發不少香港人考慮移民，出走他鄉，重新 ... >>

    10/06/2020
    Term Life Insurance
    Mass Market Medical
    Comparing Common Exclusions on Life vs. General Insurance (Updated Mar 2022) (Chinese Article)

    買保險，大家都怕有爭議，影響索償，甚至有買無賠。不過人壽保險爭議則相對少，原因是不保事項甚少，以自殺 ... >>

    16/03/2022
    Term Life Insurance
    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
    Term Life Insurance
    Whole Life Insurance
    How to choose the coverage period for term life insurance? (Sep 2021) (Chinese Article)
    04/10/2021
    Term Life Insurance
    What to do with your insurance policies before leaving Hong Kong? (Chinese Article)
    07/03/2022
    Term Life Insurance
    Mass Market Medical
    Comparing Common Exclusions on Life vs. General Insurance (Updated Mar 2022) (Chinese Article)
    24/03/2022
    Term Life Insurance

    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 with Insurance Authority 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 and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy 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. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best 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 arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

    If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10Life.com.

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