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AXA Term life plans compared

Compare 2 products sharing AXA / Term life: currencies HKD/USD, premium-payment options to ages 75, Renewable, issue-age span 16 years to 70 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

Insurers (14)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 2 / 2

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresPublished key exclusions (not exhaustive)
RewardLife Protector Refundable Term InsuranceAXATerm life Source1HKD / USD Source2To age 75 Source2To age 75 Source218 years to 55 years / Age basis: Age last birthday Source2Additional 100% life cover up to age 65; premium refund at maturity subject to policy conditions. Source1
  • Suicide within 2 years of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest.
  • Permanent Disability Support Benefit excludes pre-existing conditions, HIV-related illness and self-inflicted injury.
  • Examples only; full policy terms and exceptions apply.
Source3
Smart Elite Term / Smart TermAXATerm life Source4HKD Source5
  • Renewable / 1-year renewable term.
  • Renewable / 5-year renewable term.
  • Renewable / 10-year renewable term.
Show all 4
  • To age 75
Source5		To age 75 Source5
  • 16 years to 70 years / Age basis: Age last birthday / 1-year renewable term.
  • 16 years to 70 years / Age basis: Age last birthday / 5-year renewable term.
  • 16 years to 65 years / Age basis: Age last birthday / 10-year renewable term.
Show all 4
  • 16 years to 65 years / Age basis: Age last birthday / Term to age 75.
Source5		One-, five- or ten-year renewable terms or cover to age 75; conversion before age 70 subject to conditions. Source4
  • Suicide within 1 year of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest.
  • Examples only; full policy terms and exceptions apply.
Source6

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsRewardLife Protector Refundable Term InsuranceSmart Elite Term / Smart Term
What it pays and when
  • Benefit term: To age 75
  • Recorded features: Additional 100% life cover up to age 65; premium refund at maturity subject to policy conditions.
Public source · Checked Public source · Checked
  • Benefit term: To age 75
  • Recorded features: One-, five- or ten-year renewable terms or cover to age 75; conversion before age 70 subject to conditions.
Public source · Checked Public source · Checked
Benefit limitsDeath benefit is 100% of sum insured, with another 100% for death on/before age 65; optional permanent disability advances 50% on/before age 65.Public source · Checked Death benefit equals the sum insured; Smart Elite Term is for non-smokers and Smart Term for smokers.Public source · Checked
Guaranteed / non-guaranteedPremium rates are not guaranteed; refund percentages use defined total standard premiums, which may differ from actual premiums paid.Public source · Checked Public source · Checked Renewable one-, five- or ten-year terms renew to age 75 regardless of health, with the final term shortened if needed; the to-age-75 option does not renew.Public source · Checked Public source · Checked
Waiting periodsSuicide within two years of the later of policy date or reinstatement limits death proceeds to premiums paid without interest, less outstanding premiums and benefits; increased sum insured has a separate two-year restriction.Public source · Checked not publishedDocuments checkedPublic source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Suicide within 2 years of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest.
  • Published key exclusions (not exhaustive): Permanent Disability Support Benefit excludes pre-existing conditions, HIV-related illness and self-inflicted injury.
  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
Show all 4
  • Optional permanent disability excludes pre-existing conditions, self-inflicted injury and alcohol/drug intoxication; suicide in the first year limits death proceeds to premiums paid.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Suicide within 1 year of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest.
  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
  • Suicide within one year after policy/supplement effect or reinstatement (latest) limits death proceeds to premiums paid without interest since that date.
Public source · Checked Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesRewardLife Protector Refundable Term InsuranceRewardLife Protector Refundable Term InsuranceSmart Elite Term / Smart TermSmart Elite Term / Smart TermWhat it pays and whenWhat it pays and whenBenefit term: To age 75 · Recorded features: Additional 100% life cover up to age 65; premium refund at maturity subject to policy conditions.Benefit term: To age 75 · …Benefit term: To age 75 · Recorded features: One-, five- or ten-year renewable terms or cover to age 75; conversion before age 70 subject to conditions.Benefit term: To age 75 · …Benefit limitsBenefit limitsDeath benefit is 100% of sum insured, with another 100% for death on/before age 65; optional permanent disability advances 50% on/before age 65.Death benefit is 100% of s…Death benefit equals the sum insured; Smart Elite Term is for non-smokers and Smart Term for smokers.Death benefit equals the s…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Premium rates are not guaranteed; refund percentages use defined total standard premiums, which may differ from actual premiums paid.Premium rates are not guar…Renewable one-, five- or ten-year terms renew to age 75 regardless of health, with the final term shortened if needed; the to-age-75 option does not renew.Renewable one-, five- or t…Waiting periodsWaiting periodsSuicide within two years of the later of policy date or reinstatement limits death proceeds to premiums paid without interest, less outstanding premiums and benefits; increased sum insured has a separate two-year restriction.Suicide within two years o…not publishednot publishedMain exclusionsMain exclusionsPublished key exclusions (not exhaustive): Suicide within 2 years of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest. · Published key exclusions (not exhaustive): Permanent Disability Support Benefit excludes pre-existing conditions, HIV-related illness and self-inflicted injury. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply. · Optional permanent disability excludes pre-existing conditions, self-inflicted injury and alcohol/drug intoxication; suicide in the first year limits death proceeds to premiums paid.Published key exclusions (…Published key exclusions (not exhaustive): Suicide within 1 year of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply. · Suicide within one year after policy/supplement effect or reinstatement (latest) limits death proceeds to premiums paid without interest since that date.Published key exclusions (…
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Products

Comparison groups

Comparison groups

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Sources & verification dates

Sources & verification dates

Checked:

  1. RewardLife Protector Refundable Term Insurance — official product page

    Source date: Not confirmed

  2. Smart Elite Term / Smart Term — official product page

    Source date: Not confirmed

Checked:

  1. Official brochure — plan summary: terms, issue age and currency; PDF page 5; LPPM 950-2604E

    Source date: / Page: 5

  2. Official brochure — key exclusions; PDF page 8; LPPM 950-2604E

    Source date: / Page: 8

  3. Official brochure — plan summary: terms, issue age and currency; PDF page 3; LPPM 377-RDE

    Source date: Not confirmed / Page: 3

  4. Official brochure — key exclusions; PDF page 4; LPPM 377-RDE

    Source date: Not confirmed / Page: 4

Information, not advice; we refer to a licensed Hong Kong broker.

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