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.
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ZA Insure | ZA Life Protection
10-year RenewalOnline Underwriting
10.0/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $870 $696#
10-year Average Annual Premium : $853
Terms Score : 10.0/10
Product Website
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Blue | WeCare Term Life Protection Plan 2
10-year RenewalOnline Underwriting
9.7/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $900 $720#
10-year Average Annual Premium : $882
Terms Score : 10.0/10
Product Website
Quote Now
HSBC Life | HSBC Family Protector
10-year RenewalOnline Underwriting
8.7/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
New
1st Year Premium : $1,031 $859*
10-year Average Annual Premium : $1,014
Terms Score : 10.0/10
Product Website
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China Taiping | China Taiping Fortune Life Term Protector
10-year RenewalStandard Underwriting
8.6/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $1,030
10-year Average Annual Premium : $1,030
Terms Score : 10.0/10
Hang Seng Insurance | eFamilyPro Life Insurance Plan
10-year RenewalOnline Underwriting
8.6/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $1,031
10-year Average Annual Premium : $1,031
Terms Score : 10.0/10
Blue | WeCare Term Life Protection Plan 1
10-year RenewalOnline Underwriting
8.4/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $1,070
10-year Average Annual Premium : $1,070
Terms Score : 10.0/10
Product Website
FTLife | Platinum Term Life
10-year RenewalStandard Underwriting
7.6/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $1,210
10-year Average Annual Premium : $1,210
Terms Score : 10.0/10
Generali | Supreme Gold Plan
10-year RenewalStandard Underwriting
7.3/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
New
1st Year Premium : $1,280
10-year Average Annual Premium : $1,280
Terms Score : 10.0/10
Prudential | PRUTerm Family Protector
10-year RenewalStandard Underwriting
6.7/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $1,450
10-year Average Annual Premium : $1,450
Terms Score : 10.0/10
Pacific Life | Always Term
10-year RenewalStandard Underwriting
6.5/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium : $1,440
10-year Average Annual Premium : $1,440
Terms Score : 9.0/10
Term Life
10.0/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
ZA Insure | ZA Life Protection
10-year RenewalOnline Underwriting
1st Year Premium : $870 $696#
10-year Average Annual Premium : $853
Terms Score : 10.0/10
Quote Now
9.7/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
Blue | WeCare Term Life Protection Plan 2
10-year RenewalOnline Underwriting
1st Year Premium : $900 $720#
10-year Average Annual Premium : $882
Terms Score : 10.0/10
Quote Now
8.7/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
New
HSBC Life | HSBC Family Protector
10-year RenewalOnline Underwriting
1st Year Premium : $1,031 $859*
10-year Average Annual Premium : $1,014
Terms Score : 10.0/10
Get a quote
8.6/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
China Taiping | China Taiping Fortune Life Term Protector
10-year RenewalStandard Underwriting
1st Year Premium : $1,030
10-year Average Annual Premium : $1,030
Terms Score : 10.0/10
8.6/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
Hang Seng Insurance | eFamilyPro Life Insurance Plan
10-year RenewalOnline Underwriting
1st Year Premium : $1,031
10-year Average Annual Premium : $1,031
Terms Score : 10.0/10
8.4/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
Blue | WeCare Term Life Protection Plan 1
10-year RenewalOnline Underwriting
1st Year Premium : $1,070
10-year Average Annual Premium : $1,070
Terms Score : 10.0/10
7.6/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
FTLife | Platinum Term Life
10-year RenewalStandard Underwriting
1st Year Premium : $1,210
10-year Average Annual Premium : $1,210
Terms Score : 10.0/10
7.3/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
New
Generali | Supreme Gold Plan
10-year RenewalStandard Underwriting
1st Year Premium : $1,280
10-year Average Annual Premium : $1,280
Terms Score : 10.0/10
6.7/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
Prudential | PRUTerm Family Protector
10-year RenewalStandard Underwriting
1st Year Premium : $1,450
10-year Average Annual Premium : $1,450
Terms Score : 10.0/10
6.5/10
Term Life Overall Score includes Death Benefit Score (80%) and Terms Score (20%). Details
Pacific Life | Always Term
10-year RenewalStandard Underwriting
1st Year Premium : $1,440
10-year Average Annual Premium : $1,440
Terms Score : 9.0/10
Further Readings
Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. 10Life obtains public product information from different sources and applies assumptions and mathematical calculations to arrive at the product scores. All information is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice. 10Life hereby excludes any liability arising from using the information, and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent advice before purchasing any insurance products.

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