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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$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
10.0/10$900$450#$900$855#
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
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
HSBC Life | 滙豐保險
HSBC Family Protector
Product Details
10-year RenewalOnline Underwriting
9.2/10$1,031$172#$1,031$945#
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 Series
Product Details
10-year RenewalStandard Underwriting
8.8/10
$1,000
$1,000
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
Hang Seng Insurance | 恒生保險
eFamilyPro Life Insurance Plan
Product Details
10-year RenewalOnline Underwriting
8.6/10
$1,031
$1,031
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 1
Product Details
10-year RenewalOnline Underwriting
8.4/10
$1,070
$1,070
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
FTLife | 富通
Platinum Term Life
Product Details
10-year RenewalStandard Underwriting
7.6/10
$1,210
$1,210
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
Generali | 忠意保險
Supreme Gold Plan
Product Details
10-year RenewalStandard Underwriting
7.3/10
$1,280
$1,280
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

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
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
Get Offer
Blue
WeCare Term Life Protection Plan 2
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 :
$900$450#
10-year Average Annual Premium :
$900$855#
Terms Score :
10.0/10
Quote Now
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
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$172#
10-year Average Annual Premium :
$1,031$945#
Terms Score :
10.0/10
Quote Now
FWD | 富衛
MyTerm Series
10-year RenewalStandard Underwriting
10Life Rating :
8.8/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$1,000
10-year Average Annual Premium :
$1,000
Terms Score :
10.0/10
Hang Seng Insurance | 恒生保險
eFamilyPro Life Insurance Plan
10-year RenewalOnline Underwriting
10Life Rating :
8.6/10
Term Life Overall Score includes 10-year 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
10Life Rating :
8.4/10
Term Life Overall Score includes 10-year 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
FTLife | 富通
Platinum Term Life
10-year RenewalStandard Underwriting
10Life Rating :
7.6/10
Term Life Overall Score includes 10-year 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 | 忠意保險
Supreme Gold Plan
10-year RenewalStandard Underwriting
10Life Rating :
7.3/10
Term Life Overall Score includes 10-year Death Benefit Score (80%) and Terms Score (20%). Details
1st Year Premium :
$1,280
10-year Average Annual Premium :
$1,280
Terms Score :
10.0/10

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)
04/10/2021
10Life Team
Term Life Insurance
What to do with your insurance policies before leaving Hong Kong?
13/07/2022
10Life Team
Wealth
Comparing Common Exclusions on Life vs. General Insurance (Updated Mar 2022) (Chinese Article)
24/03/2022
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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