Easy Term Insurance

We understand that while pursuing your dreams and aspirations during different life stages, you also want to assure the financial security of your loved ones with adequate protection against unfortunate events in life. That’s why we present to you the Easy Term Insurance (the “Plan”), a simple term life insurance offering low-cost protection. With a choice of 2 benefit levels and 4 policy terms coupled with guaranteed renewal and guaranteed convertibility, you can enjoy enhanced flexibility adapting to your needs at different stages in your life at ease.
 

2 Benefit Levels and 4 Policy Terms for Easy Choice
The Plan offers 2 benefit levels (including HK$300,000 and HK$500,000) and 4 policy terms (including 10 years, 15 years, 20 years and 25 years) for you to choose. You can pick one to suit your protection needs for peace of mind.
 

Comprehensive Life Protection at an Affordable Premium
The Plan is designed to offer you a high level of protection at a low premium. The premium is level and will not change throughout the policy term, enabling you to plan your finances ahead. For example, for a non-smoking 30-year-old male who is in good health, it costs as below HK$2¹ a day to enjoy the 10-year term life protection with a sum assured of HK$300,000.
 

Automatic Renewal and Convertibility Guaranteed² for Peace of Mind
We understand your protection needs may vary at different stages in your life. That’s why the Plan offers you the flexibility to extend your protection period. We guarantee you can renew your policy at the end of the policy term automatically regardless of the state of your health before reaching the last renewal age of the policy. The premium will be adjusted at the policy renewal date to reflect your age at the time.

What’s more, you can also enjoy the guarantee of switching the policy to any whole life insurance plan before the age of 65. With the guaranteed convertibility³, you may furnish your loved ones with lifetime protection to suit your needs without further underwriting.

Hassle-free Simplified Underwriting Option
You can enjoy a simplified underwriting process with no medical examination required, making the application hassle-free.
 

Additional Benefit for Enhanced Protection
For your enhanced protection, the Plan also provides free Accidental Total and Permanent Disability Benefit. In the unfortunate event of total and permanent disability of the insured person as a result of an accident, an extra lump sum of HK$100,000 will be provided to ease the financial burden.