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CNY Whole life plans: Over 10 years premium term

Compare 3 products sharing CNY / Whole life: currencies CNY/HKD/USD, premium-payment options 5–20 years, 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 2025–2026 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: 3 / 3

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresPublished key exclusions (not exhaustive)
CoverU Whole Life Insurance PlanBOC LifeWhole life Source1CNY / HKD / USD Source2
  • 10 years
  • 20 years
Source2		Whole life Source2
  • 15 days to 60 years / Age basis: Not confirmed / 10-year payment term.
  • 15 days to 50 years / Age basis: Not confirmed / 20-year payment term.
Source2		Whole life protection with two underwriting versions and additional accidental death benefit. Source1Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list. Source3
IncomeShine Whole Life Coupon Insurance Plan (Simplified Version)BOC LifeWhole life Source4CNY / HKD / USD Source5
  • 5 years
  • 8 years
  • 12 years
Show all 4
  • 20 years
Source5		To age 100 Source5
  • 15 days to 70 years / Age basis: Not confirmed / 5 or 8-year payment period.
  • 15 days to 65 years / Age basis: Not confirmed / 12-year payment term.
  • 15 days to 60 years / Age basis: Not confirmed / 20-year payment term.
Source5		Guaranteed cash coupons payable until the insured reaches age 100; premium term choices apply. Source4Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list. Source6
LIFE BrillianceSun LifeWhole life Source7HKD / USD / CNY Source7
  • 5 years
  • 10 years
  • 15 years
Show all 4
  • 20 years
Source7		To age 100 Source7
  • 0 years to 65 years / Age basis: Not confirmed / 5-year premium payment term.
  • 0 years to 60 years / Age basis: Not confirmed / 10-year premium payment term.
  • 0 years to 55 years / Age basis: Not confirmed / 15-year premium payment term.
Show all 4
  • 0 years to 50 years / Age basis: Not confirmed / 20-year premium payment term.
Source7
  • Life protection to age 100
  • Guaranteed cash value
  • Non-guaranteed reversionary bonus
Source8Source7

No public field citation recorded

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 factsCoverU Whole Life Insurance PlanIncomeShine Whole Life Coupon Insurance Plan (Simplified Version)LIFE Brilliance
What it pays and when
  • Benefit term: Whole life
  • Recorded features: Whole life protection with two underwriting versions and additional accidental death benefit.
  • Riders on the full-underwriting CoverU plan have their own underwriting and issue-age rules; their premiums may change.
Public source · Checked Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Recorded features: Guaranteed cash coupons payable until the insured reaches age 100; premium term choices apply.
  • Supplementary riders are available subject to underwriting and issue-age eligibility.
Public source · Checked Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Recorded features: Life protection to age 100
  • Recorded features: Guaranteed cash value
Show all 4
  • Recorded features: Non-guaranteed reversionary bonus
Public source · Checked Public source · Checked
Benefit limitsAdditional accidental death pays 30% of sum insured capped at RMB300,000/HKD300,000/USD37,500 per life; aggregation is separate for full and simplified underwriting versions.Public source · Checked Public source · Checked The death-benefit premium-based alternative is subject to the stated net-premium amount plus RMB80,000/HKD96,000/USD12,000 cap; other cash-value and dividend components follow the formula.Public source · Checked The specified incapacity payment has an aggregate cap of HKD2,400,000/USD300,000/RMB2,100,000 across Sun Life policies covering the insured, with the stated loan deductions and administration fee.Public source · Checked
Guaranteed / non-guaranteedThe plan distinguishes guaranteed cash value from non-guaranteed annual and terminal dividends.Public source · Checked
  • Guaranteed cash coupons payable until the insured reaches age 100; premium term choices apply.
  • Annual and terminal dividends and their accumulation interest are not guaranteed; the cash coupons are guaranteed.
Public source · Checked Public source · Checked Public source · Checked
  • Guaranteed cash value
  • Non-guaranteed reversionary bonus
Public source · Checked Public source · Checked
Waiting periodsnot publishedDocuments checkedPublic source · Checked not publishedDocuments checkedPublic source · Checked Crisis Advance Rider excludes condition signs or symptoms first occurring within two years of the latest issue, effective or reinstatement date. LIFE Flexi Rider unemployment conditions separately use two years and at least 30 consecutive days unemployed.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list.
  • Additional accidental-death exclusions include self-injury, war, unlawful acts, intoxication and specified hazardous activities, subject to the stated exceptions; these concern the accident benefit.
Public source · Checked Public source · Checked 		Published key exclusions (not exhaustive): Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list.Public source · Checked LIFE Flexi Rider excludes the listed voluntary resignation, retirement, voluntary redundancy, misconduct-related dismissal, self-employment and employment by relatives for its Unemployment Benefit.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 sourcesCoverU Whole Life Insurance PlanCoverU Whole Life Insurance PlanIncomeShine Whole Life Coupon Insurance Plan (Simplified Version)IncomeShine Whole Life Coupon Insurance Plan (Simplified Version)LIFE BrillianceLIFE BrillianceWhat it pays and whenWhat it pays and whenBenefit term: Whole life · Recorded features: Whole life protection with two underwriting versions and additional accidental death benefit. · Riders on the full-underwriting CoverU plan have their own underwriting and issue-age rules; their premiums may change.Benefit term: Whole life ·…Benefit term: To age 100 · Recorded features: Guaranteed cash coupons payable until the insured reaches age 100; premium term choices apply. · Supplementary riders are available subject to underwriting and issue-age eligibility.Benefit term: To age 100 ·…Benefit term: To age 100 · Recorded features: Life protection to age 100 · Recorded features: Guaranteed cash value · Recorded features: Non-guaranteed reversionary bonusBenefit term: To age 100 ·…Benefit limitsBenefit limitsAdditional accidental death pays 30% of sum insured capped at RMB300,000/HKD300,000/USD37,500 per life; aggregation is separate for full and simplified underwriting versions.Additional accidental deat…The death-benefit premium-based alternative is subject to the stated net-premium amount plus RMB80,000/HKD96,000/USD12,000 cap; other cash-value and dividend components follow the formula.The death-benefit premium-…The specified incapacity payment has an aggregate cap of HKD2,400,000/USD300,000/RMB2,100,000 across Sun Life policies covering the insured, with the stated loan deductions and administration fee.The specified incapacity p…Guaranteed / non-guaranteedGuaranteed / non-guarantee…The plan distinguishes guaranteed cash value from non-guaranteed annual and terminal dividends.The plan distinguishes gua…Guaranteed cash coupons payable until the insured reaches age 100; premium term choices apply. · Annual and terminal dividends and their accumulation interest are not guaranteed; the cash coupons are guaranteed.Guaranteed cash coupons pa…Guaranteed cash value · Non-guaranteed reversionary bonusGuaranteed cash value · No…Waiting periodsWaiting periodsnot publishednot publishednot publishednot publishedCrisis Advance Rider excludes condition signs or symptoms first occurring within two years of the latest issue, effective or reinstatement date. LIFE Flexi Rider unemployment conditions separately use two years and at least 30 consecutive days unemployed.Crisis Advance Rider exclu…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list. · Additional accidental-death exclusions include self-injury, war, unlawful acts, intoxication and specified hazardous activities, subject to the stated exceptions; these concern the accident benefit.Published key exclusions (…Published key exclusions (not exhaustive): Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list.Published key exclusions (…LIFE Flexi Rider excludes the listed voluntary resignation, retirement, voluntary redundancy, misconduct-related dismissal, self-employment and employment by relatives for its Unemployment Benefit.LIFE Flexi Rider excludes …

LIFE Brilliance · Compare fulfillment ratios

A–Z (3)

Products

Comparison groups

Comparison groups

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Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page: product description and features

    Source date: Not confirmed

Checked:

  1. CoverU Whole Life Insurance Plan — official product page

    Source date: Not confirmed

  2. IncomeShine Whole Life Coupon Insurance Plan (Simplified Version) — official product page

    Source date: Not confirmed

Checked:

  1. Official product document — Eligibility and plan summary; BOCCU/L/V04/0726

    Source date: / Page: 6

  2. Official product document — Selected exclusions; BOCCU/L/V04/0726

    Source date: / Page: 9

  3. Official product document — Eligibility and plan summary; NBIS/L/V12/0726

    Source date: / Page: 2

  4. Official product document — Selected exclusions; NBIS/L/V12/0726

    Source date: / Page: 3

  5. Official brochure — Key product information; printed 2025-10

    Source date: / Page: 12

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

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