BOC Life Term life plans compared

Compare 4 products sharing BOC Life / Term life: currencies HKD/USD, premium-payment options 1–10 years, to ages 80, Renewable, issue-age span 18 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 21 Oct 2026:Source

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Last checked 21 Oct 2026

Years 2024–2026 reflect dated source editions, or check years when undated, rather than product launch years.

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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: 4 / 4

Comparable facts
Product	Insurer	Product category	Policy currencies	Premium payment terms	Benefit term	Issue ages & basis	Recorded features	Published key exclusions (not exhaustive)
BOC iMortgage-Linked Term Life Insurance Plan	BOC Life	Term life Source1	HKD Source2	Renewable / Monthly renewal; payment and cover follow the remaining linked mortgage loan tenor and adjust if its maturity changes. Source2	Renewable / Monthly renewal; payment and cover follow the remaining linked mortgage loan tenor and adjust if its maturity changes. Source2	18 years to 60 years / Age basis: Not confirmed Source2	Mortgage-linked term life protection with total and permanent disability benefit and conversion privilege. Source1	Total and Permanent Disability Benefit excludes pre-existing conditions; other exclusions apply. Non-accidental disability first appearing within 2 years of the latest policy date, endorsement or reinstatement is excluded. Source3
iProtect 10 Years Insurance Plan (Apply via mobile banking)	BOC Life	Term life Source4	HKD Source5	To age 80 / Non-refundable option pays and covers to age 80, with premiums reviewed every 10 years; refundable option pays and covers for 10 years. 10 years / Non-refundable option pays and covers to age 80, with premiums reviewed every 10 years; refundable option pays and covers for 10 years. Source5	To age 80 / Non-refundable option pays and covers to age 80, with premiums reviewed every 10 years; refundable option pays and covers for 10 years. Source5	18 years to 60 years / Age basis: Not confirmed / All options except refundable Life + Critical Illness, which accepts ages 18–50. Source5	Life protection with optional critical illness cover; guaranteed level premiums for ten years. Source4	For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source6
ProtectU Insurance Plan	BOC Life	Term life Source7	HKD Source8	To age 80 / Premiums reviewed every 10 years. Source8	To age 80 Source8	18 years to 60 years / Age basis: Not confirmed Source8	Life protection with optional critical illness cover; guaranteed level premiums for ten years. Source7	For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source9
Term Plan Term Life Insurance Plan	BOC Life	Term life Source10	HKD / USD Source11	1 year 5 years Source11	Renewable / 1 or 5-year coverage periods; renewable to age 75. After age 70, renewal is yearly. Source11	18 years to 70 years / Age basis: Not confirmed Source11	Guaranteed renewal up to age 75 and conversion to a specified whole life plan without medical examination. Source10	No public field citation recorded

Feature matrix

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Feature matrix
Comparable facts	BOC iMortgage-Linked Term Life Insurance Plan	iProtect 10 Years Insurance Plan (Apply via mobile banking)	ProtectU Insurance Plan
What it pays and when	Benefit term: Renewable / Monthly renewal; payment and cover follow the remaining linked mortgage loan tenor and adjust if its maturity changes. Recorded features: Mortgage-linked term life protection with total and permanent disability benefit and conversion privilege. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026	Benefit term: To age 80 / Non-refundable option pays and covers to age 80, with premiums reviewed every 10 years; refundable option pays and covers for 10 years. Recorded features: Life protection with optional critical illness cover; guaranteed level premiums for ten years. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026	Benefit term: To age 80 Recorded features: Life protection with optional critical illness cover; guaranteed level premiums for ten years. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026
Benefit limits	Maximum aggregate sum insured is HKD8 million for issue age 18–50 and HKD4 million for 51–60; death and total permanent disability benefits are mutually exclusive.Public source · Checked 14 Oct 2026	Major illness benefit pays 100% of sum insured once; minor illness benefit pays 20% of initial sum insured once, less indebtedness and outstanding premiums.Public source · Checked 14 Oct 2026	Major illness benefit pays 100% of sum insured once; minor illness benefit pays 20% of initial sum insured once, less indebtedness and outstanding premiums.Public source · Checked 14 Oct 2026
Guaranteed / non-guaranteed	The premium rate, rather than the premium amount, is guaranteed unchanged for the first ten years.Public source · Checked 14 Oct 2026	Life protection with optional critical illness cover; guaranteed level premiums for ten years.Public source · Checked 13 Oct 2026	Life protection with optional critical illness cover; guaranteed level premiums for ten years.Public source · Checked 13 Oct 2026
Waiting periods	Total permanent disability symptoms or diagnosis within two years after policy date, endorsement or last reinstatement (latest) are excluded, except disability caused by accident.Public source · Checked 14 Oct 2026	The critical illness option has a 90-day waiting period; this does not apply to the life-only option.Public source · Checked 14 Oct 2026	The critical illness option has a 90-day waiting period; this does not apply to the life-only option.Public source · Checked 14 Oct 2026
Main exclusions	Published key exclusions (not exhaustive): Total and Permanent Disability Benefit excludes pre-existing conditions; other exclusions apply. Published key exclusions (not exhaustive): Non-accidental disability first appearing within 2 years of the latest policy date, endorsement or reinstatement is excluded. Total permanent disability exclusions include pre-existing conditions, congenital anomalies, alcohol abuse, HIV, war and hazardous sports unless endorsed. Public source · Checked 21 Oct 2026Public source · Checked 14 Oct 2026	Published key exclusions (not exhaustive): For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Critical illness exclusions include pre-existing conditions, congenital anomalies, substance abuse, HIV/AIDS, war and self-inflicted acts. Public source · Checked 21 Oct 2026Public source · Checked 15 Oct 2026	Published key exclusions (not exhaustive): For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Critical illness exclusions include pre-existing conditions, congenital anomalies, substance abuse, HIV/AIDS, war and self-inflicted acts. Public source · Checked 21 Oct 2026Public source · Checked 15 Oct 2026