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AXA Whole life plans compared

Compare 4 products sharing AXA / Whole life: currencies HKD/USD, premium-payment options 10–20 years, to ages 100, Single premium, issue-age span 0 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 (15)

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: 4 / 4

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresPublished key exclusions (not exhaustive)
Fortune Guard Life InsuranceAXAWhole life Source1HKD Source2
  • 10 years
  • 15 years
  • 20 years
Show all 4
  • To age 100 / Hong Kong policies only.
Source2		To age 100 Source2
  • 0 years to 65 years / Age basis: Age last birthday / 10-year premium term.
  • 0 years to 60 years / Age basis: Age last birthday / 15-year premium term.
  • 0 years to 55 years / Age basis: Age last birthday / 20-year premium term.
Show all 4
  • 18 years to 50 years / Age basis: Age last birthday / Premiums to age 100.
Source2		Guaranteed cash value; fixed premiums during the selected premium payment term. Source1
  • Suicide within 1 year of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest.
  • Accident Supplement excludes war, unlawful acts or resisting arrest, and military service.
  • Examples only; full policy terms and exceptions apply.
Source3
Fortune Protector Life InsuranceAXAWhole life Source4HKD Source5
  • 10 years
  • 15 years
  • 20 years
Show all 4
  • To age 100 / Hong Kong policies only.
Source5		To age 100 Source5
  • 0 years to 65 years / Age basis: Age last birthday / 10-year premium term.
  • 0 years to 60 years / Age basis: Age last birthday / 15-year premium term.
  • 0 years to 55 years / Age basis: Age last birthday / 20-year premium term.
Show all 4
  • 18 years to 50 years / Age basis: Age last birthday / Premiums to age 100.
Source5		Guaranteed cash value; fixed premiums during the selected premium payment term. Source4
  • Suicide within 1 year of the policy or reinstatement date: death benefit limited to a refund of premiums paid, without interest.
  • Suicide within 1 year of an increase in cover: the increase is disregarded and its extra premium refunded.
  • Examples only; full policy terms and exceptions apply.
Source6
Grand Heritage IIAXAWhole life Source7USD Source8Single premium Source8To age 138 Source810 days to 70 years / Age basis: Age last birthday / From 14 days unless born in Hong Kong or Macau. Source8Terminal dividend lock-in option from the 15th policy anniversary, subject to approval and conditions. Source7
  • Suicide within 1 year of the policy date: death benefit limited to a refund of premiums paid.
  • Suicide within 1 year of an increase in cover: the increase is disregarded and its extra premium refunded.
  • Examples only; full policy terms and exceptions apply.
Source9
Smart Protector IIAXAWhole life Source10HKD Source11
  • To age 100 / Smart Protector II.
  • 20 years / Smart Protector 20 II.
Source11		To age 100 Source110 years to 70 years / Age basis: Age last birthday Source11Guaranteed cash value; fixed premiums during the selected premium payment term. Source10
  • 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.
Source12

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 factsFortune Guard Life InsuranceFortune Protector Life InsuranceGrand Heritage II
What it pays and when
  • Benefit term: To age 100
  • Recorded features: Guaranteed cash value; fixed premiums during the selected premium payment term.
Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Recorded features: Guaranteed cash value; fixed premiums during the selected premium payment term.
Public source · Checked Public source · Checked
  • Benefit term: To age 138
  • Recorded features: Terminal dividend lock-in option from the 15th policy anniversary, subject to approval and conditions.
Public source · Checked Public source · Checked
Benefit limitsnot publishedDocuments checkedPublic source · Checked not publishedDocuments checkedPublic source · Checked The current Aggregate Maximum Lock-in Rate is 60% of terminal dividend. Approved lock-in reduces the dividend and transfers the amount to its separate account.Public source · Checked
Guaranteed / non-guaranteed
  • Guaranteed cash value; fixed premiums during the selected premium payment term.
  • Guaranteed cash value is payable on surrender or maturity. Dividends/bonuses are separate non-guaranteed components under the stated plan rules.
Public source · Checked Public source · Checked
  • Guaranteed cash value; fixed premiums during the selected premium payment term.
  • Guaranteed cash value is payable on surrender or maturity. Dividends/bonuses are separate non-guaranteed components under the stated plan rules.
Public source · Checked Public source · Checked 		The plan has guaranteed cash value and a non-guaranteed terminal dividend; the lock-in option is subject to its own rules.Public source · Checked
Waiting periodsnot publishedDocuments checkedPublic source · Checked not publishedDocuments checkedPublic source · Checked not publishedDocuments checkedPublic source · Checked
Main 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): Accident Supplement excludes war, unlawful acts or resisting arrest, and military service.
  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
Show all 4
  • Suicide within one year from the later of policy commencement or reinstatement limits death proceeds to premiums without interest, less the deductions stated in that clause.
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): Suicide within 1 year of an increase in cover: the increase is disregarded and its extra premium refunded.
  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
Show all 4
  • Suicide within one year from the later of policy commencement or reinstatement limits death proceeds to premiums without interest, less the deductions stated in that clause.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Suicide within 1 year of the policy date: death benefit limited to a refund of premiums paid.
  • Published key exclusions (not exhaustive): Suicide within 1 year of an increase in cover: the increase is disregarded and its extra premium refunded.
  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
Show all 4
  • Suicide within one year from the policy date limits death benefit to a refund of total premiums paid. The brochure also gives separate rules after an increase in notional amount.
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 sourcesFortune Guard Life InsuranceFortune Guard Life InsuranceFortune Protector Life InsuranceFortune Protector Life InsuranceGrand Heritage IIGrand Heritage IIWhat it pays and whenWhat it pays and whenBenefit term: To age 100 · Recorded features: Guaranteed cash value; fixed premiums during the selected premium payment term.Benefit term: To age 100 ·…Benefit term: To age 100 · Recorded features: Guaranteed cash value; fixed premiums during the selected premium payment term.Benefit term: To age 100 ·…Benefit term: To age 138 · Recorded features: Terminal dividend lock-in option from the 15th policy anniversary, subject to approval and conditions.Benefit term: To age 138 ·…Benefit limitsBenefit limitsnot publishednot publishednot publishednot publishedThe current Aggregate Maximum Lock-in Rate is 60% of terminal dividend. Approved lock-in reduces the dividend and transfers the amount to its separate account.The current Aggregate Maxi…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Guaranteed cash value; fixed premiums during the selected premium payment term. · Guaranteed cash value is payable on surrender or maturity. Dividends/bonuses are separate non-guaranteed components under the stated plan rules.Guaranteed cash value; fix…Guaranteed cash value; fixed premiums during the selected premium payment term. · Guaranteed cash value is payable on surrender or maturity. Dividends/bonuses are separate non-guaranteed components under the stated plan rules.Guaranteed cash value; fix…The plan has guaranteed cash value and a non-guaranteed terminal dividend; the lock-in option is subject to its own rules.The plan has guaranteed ca…Waiting periodsWaiting periodsnot publishednot publishednot publishednot publishednot publishednot publishedMain exclusionsMain exclusionsPublished 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): Accident Supplement excludes war, unlawful acts or resisting arrest, and military service. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply. · Suicide within one year from the later of policy commencement or reinstatement limits death proceeds to premiums without interest, less the deductions stated in that clause.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): Suicide within 1 year of an increase in cover: the increase is disregarded and its extra premium refunded. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply. · Suicide within one year from the later of policy commencement or reinstatement limits death proceeds to premiums without interest, less the deductions stated in that clause.Published key exclusions (…Published key exclusions (not exhaustive): Suicide within 1 year of the policy date: death benefit limited to a refund of premiums paid. · Published key exclusions (not exhaustive): Suicide within 1 year of an increase in cover: the increase is disregarded and its extra premium refunded. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply. · Suicide within one year from the policy date limits death benefit to a refund of total premiums paid. The brochure also gives separate rules after an increase in notional amount.Published key exclusions (…

Fortune Guard Life Insurance · Compare fulfillment ratios

Fortune Protector Life Insurance · Compare fulfillment ratios

Grand Heritage II · Compare fulfillment ratios

A–Z (4)

Products

Comparison groups

Comparison groups

Ask a licensed Hong Kong broker for a free comparison of suitable plans
Sources & verification dates

Sources & verification dates

Checked:

  1. Fulfillment ratios 2025

    Source date: Not confirmed

  2. Fulfillment ratios 2025

    Source date: Not confirmed

Checked:

  1. Fortune Guard Life Insurance — official product page

    Source date: Not confirmed

  2. Fortune Protector Life Insurance — official product page

    Source date: Not confirmed

  3. Grand Heritage II — official product page

    Source date: Not confirmed

  4. Smart Protector II — official product page

    Source date: Not confirmed

Checked:

  1. Official brochure — plan summary: terms, issue age and currency; PDF page 5; LPPM 511-2606E

    Source date: / Page: 5

  2. Official brochure — key exclusions; PDF page 9; LPPM 511-2606E

    Source date: / Page: 9

  3. Official brochure — plan summary: terms, issue age and currency; PDF page 4; LPPM 512-2606E

    Source date: / Page: 4

  4. Official brochure — key exclusions; PDF page 6; LPPM 512-2606E

    Source date: / Page: 6

  5. Official brochure — plan summary: terms, issue age and currency; PDF page 13; LPPM 775-RDE

    Source date: Not confirmed / Page: 13

  6. Official brochure — key exclusions; PDF page 19; LPPM 775-RDE

    Source date: Not confirmed / Page: 19

  7. Official brochure — plan summary: terms, issue age and currency; PDF page 4; LPPM 384-RDE

    Source date: Not confirmed / Page: 4

  8. Official brochure — key exclusions; PDF page 6; LPPM 384-RDE

    Source date: Not confirmed / Page: 6

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

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