Compare Term Life Insurance

Term Life Quick Guide
Gender
Male
Age
35
Target Protection Period
10 Years
Sum Assured
1,000,000
Insurer
Renewal Term
Any
Underwriting
Any
Gender
Male
Age
35
Target Protection Period
10 Years
Sum Assured
1,000,000

Male

Age : 35

Target Protection Period : 10 Years

Sum Assured : 1,000,000

Insurer

Renewal Term : Any

Underwriting : Any

We found 58 Term Life product(s) matching your selected filters.
Assumptions
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10Life Score
FWD | 富衛
MyTerm Plus Standard Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
832
HKD
690
First Year Premium
832
HKD 416
Product Website
Fubon Life | 富邦人壽
Fubon Term Life Protector
Happy Kids Certification Happy Kids Certification
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
784
HKD
741
First Year Premium
580
HKD 145
Product Website
FWD | 富衛
MyTerm Plus Superior Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
994
HKD
825
First Year Premium
994
HKD 497
Product Website
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
9.8
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
650
First Year Premium
HKD 650
WhatsApp Enquiry
Bowtie | 保泰人壽
Bowtie Term Life
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
852
HKD
735
First Year Premium
640
HKD 192
Product Website
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
840
First Year Premium
HKD 840
WhatsApp Enquiry
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
870
First Year Premium
HKD 870
WhatsApp Enquiry
FWD | 富衛
MyTerm Plus Standard Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
9.7
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
913
HKD
885
First Year Premium
680
HKD 408
Product Website
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
9.6
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
875
First Year Premium
HKD 700
WhatsApp Enquiry
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
Online Underwriting
9.4
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
925
First Year Premium
HKD 730
WhatsApp Enquiry
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
Online Underwriting
9.2
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD
941
First Year Premium
HKD 650
WhatsApp Enquiry
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
9.1
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
20-year Renewal
10-Year Average Premium
HKD
940
First Year Premium
HKD 940
WhatsApp Enquiry
HSBC Life | 滙豐保險
HSBC Family Protector
Online Underwriting
9.1
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
1,031
HKD
962
First Year Premium
1,031
HKD 344
Product Website
BOC Life | 中銀人壽
iProtect 10 Years Insurance Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
9.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
980
First Year Premium
HKD 980
WhatsApp Enquiry
FWD | 富衛
MyTerm Series
Standard Underwriting
8.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
1,000
First Year Premium
HKD 1,000
WhatsApp Enquiry
FWD | 富衛
MyTerm Plus Standard Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 690
832
First Year Premium
HKD 416
832
Product Website
Fubon Life | 富邦人壽
Fubon Term Life Protector
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 741
784
First Year Premium
HKD 145
580
Product Website
FWD | 富衛
MyTerm Plus Superior Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 825
994
First Year Premium
HKD 497
994
Product Website
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
10Life Score
9.8
/ 10
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 650
First Year Premium
HKD 650
WhatsApp Enquiry
Bowtie | 保泰人壽
Bowtie Term Life
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
9.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 735
852
First Year Premium
HKD 192
640
Product Website
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 840
First Year Premium
HKD 840
WhatsApp Enquiry
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 870
First Year Premium
HKD 870
WhatsApp Enquiry
FWD | 富衛
MyTerm Plus Standard Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
9.7
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 885
913
First Year Premium
HKD 408
680
Product Website
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
10Life Score
9.6
/ 10
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 875
First Year Premium
HKD 700
WhatsApp Enquiry
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
9.4
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD 925
First Year Premium
HKD 730
WhatsApp Enquiry
ZA Insure | 眾安人壽
ZA Life Protection
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
9.2
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD 941
First Year Premium
HKD 650
WhatsApp Enquiry
Pacific Life | 太平洋人壽
Always Term II (Diamond)
Standard Underwriting
10Life Score
9.1
/ 10
Terms Score
9.0 / 10
Renewal Term
20-year Renewal
10-Year Average Premium
HKD 940
First Year Premium
HKD 940
WhatsApp Enquiry
HSBC Life | 滙豐保險
HSBC Family Protector
Online Underwriting
10Life Score
9.1
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 962
1,031
First Year Premium
HKD 344
1,031
Product Website
BOC Life | 中銀人壽
iProtect 10 Years Insurance Plan
Happy Kids Certification Happy Kids Certification
Online Underwriting
10Life Score
9.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 980
First Year Premium
HKD 980
WhatsApp Enquiry
FWD | 富衛
MyTerm Series
Standard Underwriting
10Life Score
8.8
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD 1,000
First Year Premium
HKD 1,000
WhatsApp Enquiry
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Life Protection Insurance Quick Guide

What is Life Protection Insurance?
Provide death benefit
Protect famiy well-being

Life Protection can be categorised into Term Life and Whole Life. If the insured dies within the coverage period, the insurer would pay the sum insured to the designated beneficiary.

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Term VS Whole Life Insurance
tutorial-life-icon-premium.png
Premium rate
tutorial-life-icon-sum-assured.png
Coverage amount
tutorial-life-icon-protection-period.png
Protection period
tutorial-ci-icon-saving-components.png
Savings element
tutorial-life-icon-term-life.png
Term Life
Lower
Higher
(based on same preimum amount)
Fixed term or up to certain age
No
tutorial-life-icon-whole-life.png
Whole Life
Higher
Lower
(based on same premium amount)
Lifetime
Yes, there is surrender value
Life Protection Glossary

Protection Gap

Refers to the shortage of cash to support the family should the breadwinner passes away.
tutorial_life-dictionary-protection-gap.png

Death Benefit

The amount of proceeds the beneficiary will receive should the insured pass away.
tutorial_life-dictionary-death-benefit.png

Breakeven Period

When the surrender value of a life policy is equal or above the total premiums paid.
tutorial_life-dictionary-breakeven-period.png
Who should buy Life Protection?
home-lifestage-family.png
Breadwinners
To ensure parents, spouse and children have sufficient cash to sustain living should the breadwinner pass away
persona-mortgagor.png
Mortgage borrowers
Life protection can help pay off your outstanding mortgage in case you pass away, safeguarding the living shelter for your family.
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Frequently Ask Questions
What is the difference between Whole Life Protection and Savings Insurance?

While they both have a savings element, Whole Life Protection focuses on the guaranteed death benefit, and Savings Insurance focuses on wealth accumulation.

How do you calculate the protection gap?

The Insurance Authority and most insurance companies have protection calculators on their websites to help estimate protection gaps. You can also consult a licensed insurance advisor for a more accurate and personalised gap analysis.

How should you choose life protection?

10Life compares term life protection on the coverage age and renewable period, premium rates and terms. For whole life insurance, we evaluate the products based on the death benefit coverage throughout the lifetime. 

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How should you choose life protection?

10Life compares term life protection on the coverage age and renewable period, premium rates and terms. For whole life insurance, we evaluate the products based on the death benefit coverage throughout the lifetime. 

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Rating Methodology
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General Enquiry
Hotline
3705 1599
10Life.com is operated by 10Life Financial Limited registered in Hong Kong under company number 1154750 (“10Life Financial”).
10Life Financial is an authorised insurance broker with Insurance Authority License Number FB1526 whose business includes operating insurance comparison website and arranging insurance products and services for its clients. 10Life Financial is wholly owned subsidiary of 10Life Group.

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