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HKD Term life plans: Over 5 to 10 years premium term

Compare 3 products sharing HKD / Term life: currencies HKD/USD, premium-payment options 10–20 years, to ages 65/75/80, issue-age span 18 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 2021–2025 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: 3 / 3

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresPublished key exclusions (not exhaustive)
Convertible Term InsuranceYF LifeTerm life Source1USD / HKD Source2
  • 10 years
  • To age 65
  • To age 75
Source2		10 years / 10-year option; alternatives end at age 65 or 75. Riders may end earlier with the basic plan. Source2
  • 18 years to 55 years / Age basis: Age last birthday / 10-year or to-age-65 plan.
  • 18 years to 65 years / Age basis: Age last birthday / To-age-75 plan.
Source2		Premiums remain level and guaranteed; protection options of 10 years or to age 65/75. Source1
  • Suicide during the first policy year limits the payout to premiums paid; an increase in cover has its own one-year restriction.
  • Summary only; see policy wording.
Source3
iProtect 10 Years Insurance Plan (Apply via mobile banking)BOC LifeTerm life Source4HKD 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. Source518 years to 60 years / Age basis: Not confirmed / All options except refundable Life + Critical Illness, which accepts ages 18–50. Source5Life protection with optional critical illness cover; guaranteed level premiums for ten years. Source4For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source6
Swiss Protect Term Insurance PlanZurichTerm life Source7HKD / USD Source8
  • 10 years
  • 20 years
Source8		10 years / Choose 10 or 20 years; premium payment term matches cover. No automatic renewal. Source8
  • 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.
Source8		Term life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term. Source7Suicide within one year of issue or reinstatement, whichever is later, limits payment to premiums without interest. See full wording. Source9

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 factsConvertible Term InsuranceiProtect 10 Years Insurance Plan (Apply via mobile banking)Swiss Protect Term Insurance Plan
What it pays and when
  • Benefit term: 10 years / 10-year option; alternatives end at age 65 or 75. Riders may end earlier with the basic plan.
  • Recorded features: Premiums remain level and guaranteed; protection options of 10 years or to age 65/75.
Public source · Checked Public source · Checked
  • 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 Public source · Checked
  • 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 limitsFor Hong Kong policies, minimum sums insured are USD50,000/HKD400,000 for the basic plan and USD30,000/HKD240,000 for supplementary cover; maximum cover is individually considered.Public source · Checked 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 Sum insured ranges from HKD2 million to HKD80 million, or USD250,000 to USD10 million, subject to underwriting.Public source · Checked
Guaranteed / non-guaranteedPremiums remain level and guaranteed; protection options of 10 years or to age 65/75.Public source · Checked Life protection with optional critical illness cover; guaranteed level premiums for ten years.Public source · Checked Term life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term.Public source · Checked
Waiting periodsnot publishedDocuments checkedPublic source · Checked The critical illness option has a 90-day waiting period; this does not apply to the life-only option.Public source · Checked Suicide within one year from issue or reinstatement, whichever is later, limits liability to refunding total premiums paid without interest.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Suicide during the first policy year limits the payout to premiums paid; an increase in cover has its own one-year restriction.
  • Published key exclusions (not exhaustive): Summary only; see policy wording.
  • Suicide within one year from the policy date limits liability to premiums paid; any increase in basic sum insured has a separate one-year suicide restriction on that increase.
Public source · Checked Public source · Checked
  • 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 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.
  • 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
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 sourcesConvertible Term InsuranceConvertible Term InsuranceiProtect 10 Years Insurance Plan (Apply via mobile banking)iProtect 10 Years Insurance Plan (Apply via mobile banking)Swiss Protect Term Insurance PlanSwiss Protect Term Insurance PlanWhat it pays and whenWhat it pays and whenBenefit term: 10 years / 10-year option; alternatives end at age 65 or 75. Riders may end earlier with the basic plan. · Recorded features: Premiums remain level and guaranteed; protection options of 10 years or to age 65/75.Benefit term: 10 years / 1…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.Benefit term: To age 80 / …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.Benefit term: 10 years / C…Benefit limitsBenefit limitsFor Hong Kong policies, minimum sums insured are USD50,000/HKD400,000 for the basic plan and USD30,000/HKD240,000 for supplementary cover; maximum cover is individually considered.For Hong Kong policies, mi…Major illness benefit pays 100% of sum insured once; minor illness benefit pays 20% of initial sum insured once, less indebtedness and outstanding premiums.Major illness benefit pays…Sum insured ranges from HKD2 million to HKD80 million, or USD250,000 to USD10 million, subject to underwriting.Sum insured ranges from HK…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Premiums remain level and guaranteed; protection options of 10 years or to age 65/75.Premiums remain level and …Life protection with optional critical illness cover; guaranteed level premiums for ten years.Life protection with optio…Term life protection with guaranteed fixed premiums throughout the 10-year or 20-year premium payment term.Term life protection with …Waiting periodsWaiting periodsnot publishednot publishedThe critical illness option has a 90-day waiting period; this does not apply to the life-only option.The critical illness optio…Suicide within one year from issue or reinstatement, whichever is later, limits liability to refunding total premiums paid without interest.Suicide within one year fr…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Suicide during the first policy year limits the payout to premiums paid; an increase in cover has its own one-year restriction. · Published key exclusions (not exhaustive): Summary only; see policy wording. · Suicide within one year from the policy date limits liability to premiums paid; any increase in basic sum insured has a separate one-year suicide restriction on that increase.Published key exclusions (…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.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. · 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 (…
A–Z (3)

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Sources & verification dates

Sources & verification dates

Checked:

  1. Convertible Term Insurance — official product page (en)

    Source date: Not confirmed

  2. iProtect 10 Years Insurance Plan (Apply via mobile banking) — official product page

    Source date: Not confirmed

Checked:

  1. YF Life — Policy Information / Basic Information; edition PSP-176-V1-0425B-E

    Source date: / Page: 1

  2. YF Life — Key Exclusions (partial summary); edition PSP-176-V1-0425B-E

    Source date: / Page: 2

  3. Official product document — Eligibility and plan summary; iP10/L/V06/0125

    Source date: / Page: 4

  4. Official product document — Selected exclusions; iP10/L/V06/0125

    Source date: / Page: 6

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

    Source date: Not confirmed

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

    Source date: / Page: 4

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

    Source date: / Page: 7

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

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