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Zurich Term life plans compared

Compare 2 products sharing Zurich / Term life: currencies HKD/USD, premium-payment options 10–20 years, Renewable, issue-age span 19 years to 71 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 2021–2024 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)
Swiss Protect Term Insurance PlanZurichTerm life Source1HKD / USD Source2
  • 10 years
  • 20 years
Source2		10 years / Choose 10 or 20 years; premium payment term matches cover. No automatic renewal. Source2
  • 19 years to 71 years / Age basis: Age next birthday / 10-year term.
  • 19 years to 61 years / Age basis: Age next birthday / 20-year term.
Source2		Term life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term. Source1Suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums without interest. See full wording. Source3
Zurich Term Life Insurance PlanZurichTerm life Source4HKD Source4Renewable / Premium renewal periods of 1, 5 or 10 years; pay throughout cover. Source4To age 100 Source419 years to 71 years / Age basis: Age next birthday Source4Terminal illness advance: lower of 50% of sum insured or HKD 1,000,000; Hong Kong residents only. Source5Suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums without interest. See full wording. 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 factsSwiss Protect Term Insurance PlanZurich Term Life Insurance Plan
What it pays and when
  • Benefit term: 10 years / Choose 10 or 20 years; premium payment term matches cover. No automatic renewal.
  • Recorded features: Term life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term.
Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Recorded features: Terminal illness advance: lower of 50% of sum insured or HKD 1,000,000; Hong Kong residents only.
Public source · Checked Public source · Checked
Benefit limitsSum insured ranges from HKD2 million to HKD80 million, or USD250,000 to USD10 million, subject to underwriting.Public source · Checked Maximum sums insured are HKD3m for ages 19-50 and HKD2m for ages 51-71 (age next birthday); terminal illness benefit is the lower of 50% of sum insured or HKD1m.Public source · Checked
Guaranteed / non-guaranteedTerm life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term.Public source · Checked Automatic renewal without health underwriting is guaranteed to age 100 (age next birthday), subject to premium changes.Public source · Checked
Waiting periodsSuicide within one year from issue or reinstatement, whichever is later, limits liability to refunding total premiums paid without interest.Public source · Checked not publishedDocuments checkedPublic source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums without interest. See full wording.
  • The suicide clause restricts death-benefit payment during the first year after issue or reinstatement to a refund of premiums without interest.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums without interest. See full wording.
  • Suicide within one year after issue or reinstatement, whichever is later, limits liability to premiums paid without interest from 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 sourcesSwiss Protect Term Insurance PlanSwiss Protect Term Insurance PlanZurich Term Life Insurance PlanZurich Term Life Insurance PlanWhat it pays and whenWhat it pays and whenBenefit term: 10 years / Choose 10 or 20 years; premium payment term matches cover. No automatic renewal. · Recorded features: Term life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term.Benefit term: 10 years / C…Benefit term: To age 100 · Recorded features: Terminal illness advance: lower of 50% of sum insured or HKD 1,000,000; Hong Kong residents only.Benefit term: To age 100 ·…Benefit limitsBenefit limitsSum insured ranges from HKD2 million to HKD80 million, or USD250,000 to USD10 million, subject to underwriting.Sum insured ranges from HK…Maximum sums insured are HKD3m for ages 19-50 and HKD2m for ages 51-71 (age next birthday); terminal illness benefit is the lower of 50% of sum insured or HKD1m.Maximum sums insured are H…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Term life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term.Term life protection with …Automatic renewal without health underwriting is guaranteed to age 100 (age next birthday), subject to premium changes.Automatic renewal without …Waiting periodsWaiting periodsSuicide within one year from issue or reinstatement, whichever is later, limits liability to refunding total premiums paid without interest.Suicide within one year fr…not publishednot publishedMain exclusionsMain exclusionsPublished key exclusions (not exhaustive): Suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums without interest. See full wording. · The suicide clause restricts death-benefit payment during the first year after issue or reinstatement to a refund of premiums without interest.Published key exclusions (…Published key exclusions (not exhaustive): Suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums without interest. See full wording. · Suicide within one year after issue or reinstatement, whichever is later, limits liability to premiums paid without interest from that date.Published key exclusions (…
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Sources & verification dates

Sources & verification dates

Checked:

  1. Swiss Protect Term Insurance Plan — official product page, product information section

    Source date: Not confirmed

  2. Swiss Protect — brochure pages 4–6, terms, currency and entry ages; ZLI-SWP-PRO-1PB-00067-E-0521

    Source date: / Page: 4

  3. Swiss Protect Term Insurance Plan — brochure page 7, selected exclusions/limitations; ZLI-SWP-PRO-1PB-00067-E-0521

    Source date: / Page: 7

  4. Zurich Term Life — brochure page 1, product summary; ZLI-DTL-PRO-1PB-01410-ET-0324

    Source date: / Page: 1

  5. Zurich Term Life Insurance Plan — official product page, product information section

    Source date: Not confirmed

  6. Zurich Term Life Insurance Plan — brochure page 2, selected exclusions/limitations; ZLI-DTL-PRO-1PB-01410-ET-0324

    Source date: / Page: 2

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

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