Life Insurance

Term life insurance

  • Traditional life insurance, without dividends, savings or investment component; monetary benefit is paid to the named beneficiary upon the death of the insured.
  • Provides coverage for a limited period of time.
  • Purchase a large amount of coverage for an initially small premium.

Whole life insurance

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  • balanced protection and savings with guaranteed life coverage.
  • Protection until age 100 or for the whole of your life.
  • Guaranteed Cash Value grows.
  • Any dividends paid can be withdrawn at any time.
  • In the unfortunate event of death of the insured, the sum assured and cumulative dividends will be provided to the beneficiary.
  • Most whole life insurance offer varied premium payment period (5-year/10-year/15-year/20-year/25-year/30-year, until age 100).


The people's life expectancy in Hong Kong has been increasing, while compounded by a trend towards earlier retirement. The longer the retirement period is, the more you should prepare. Annuities just meet the need.
  • An annuity is a type of long-term personal retirement product designed to provide a steady income stream for your retirement.
  • Choose which type of annuities: lifetime increasing-income annuity, lifetime fixed-income annuity with 10/15/20 years guaranteed payment
  • Guaranteed interest rate provides you a steady income and sound return
  • If the insured passes away during the guaranteed period, the beneficiary will continue to receive the fixed income annuity until the end of the guaranteed period.
The information above is for reference only. Please refer to the policy for exact terms and conditions and full description.
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