CNY Whole life plans: Over 5 to 10 years premium term

Compare 6 products sharing CNY / Whole life: currencies AUD/CAD/CNY/EUR/GBP/HKD/SGD/USD, premium-payment options 2–20 years, Single premium, issue-age span 0 years to 80 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 2025–2026 reflect dated source editions, or check years when undated, rather than product launch years.

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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: 6 / 6

Comparable facts
Product	Insurer	Product category	Policy currencies	Premium payment terms	Benefit term	Issue ages & basis	Recorded features	Published key exclusions (not exhaustive)
CoverU Whole Life Insurance Plan	BOC Life	Whole life Source1	CNY / 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. Source1	Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list. Source3
Elite Generations Global Whole Life Insurance Plan	BOC Life	Whole life Source4	CNY / HKD / USD / AUD / CAD / EUR / GBP / SGD Source5	Single premium 2 years 3 years Show all 5 5 years 10 years Source5	Whole life Source5	15 days to 74 years / Age basis: Not confirmed / Single-payment, 2 or 3-year payment term. 15 days to 70 years / Age basis: Not confirmed / 5-year payment term. 15 days to 65 years / Age basis: Not confirmed / 10-year payment term. Source5	Currency exchange, policy split and change-of-insured options, subject to policy conditions. Source4	Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list. Source6
Forever Wellbeing Whole Life Insurance Plan	BOC Life	Whole life Source7	CNY / HKD / USD Source8	2 years 5 years 10 years Source8	Whole life / Life cover is lifelong; Critical Illness and Condition Benefit ends at 75 and Terminal Illness Benefit at 65. Source8	15 days to 60 years / Age basis: Not confirmed / 2-year payment term. 15 days to 55 years / Age basis: Not confirmed / 5 or 10-year payment term. Source8	Whole life protection with focused cover for five critical illnesses and conditions; simplified underwriting. Source7	Critical Illness and Condition / Terminal Illness benefits exclude pre-existing conditions and intentional self-harm; see full terms. Source9
Glamorous Glow Global Whole Life Insurance Plan	BOC Life	Whole life Source10	CNY / HKD / USD / AUD / CAD / EUR / GBP / SGD Source11	Single premium 2 years 3 years Show all 5 5 years 10 years Source11	Whole life Source11	15 days to 80 years / Age basis: Not confirmed / Single-payment, 2 or 3-year payment term. 15 days to 70 years / Age basis: Not confirmed / 5-year payment term. 15 days to 65 years / Age basis: Not confirmed / 10-year payment term. Source11	Currency exchange, policy split and change-of-insured options, subject to policy conditions. Source10	Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list. Source12
IncomeShine Whole Life Coupon Insurance Plan (Simplified Version)	BOC Life	Whole life Source13	CNY / HKD / USD Source14	5 years 8 years 12 years Show all 4 20 years Source14	To age 100 Source14	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. Source14	Guaranteed cash coupons payable until the insured reaches age 100; premium term choices apply. Source13	Additional Accidental Death Benefit: exclusions include war, suicide and self-inflicted injuries. See its full exclusion list. Source15
LIFE Brilliance	Sun Life	Whole life Source16	HKD / USD / CNY Source16	5 years 10 years 15 years Show all 4 20 years Source16	To age 100 Source16	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. Source16	Life protection to age 100 Guaranteed cash value Non-guaranteed reversionary bonus Source17 Source16	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 facts	CoverU Whole Life Insurance Plan	Elite Generations Global Whole Life Insurance Plan	Forever Wellbeing Whole Life Insurance Plan
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 21 Oct 2026Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026	Benefit term: Whole life Recorded features: Currency exchange, policy split and change-of-insured options, subject to policy conditions. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026	Benefit term: Whole life / Life cover is lifelong; Critical Illness and Condition Benefit ends at 75 and Terminal Illness Benefit at 65. Recorded features: Whole life protection with focused cover for five critical illnesses and conditions; simplified underwriting. Supplementary riders can be attached; their premiums and issue-age eligibility have separate underwriting rules. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026
Benefit limits	Additional 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 13 Oct 2026Public source · Checked 13 Oct 2026	Additional accidental-death and accidental-ICU benefits each pay the lower of 10% of total premiums paid or RMB100,000/HKD100,000/USD12,500 (other currency limits also listed), subject to separate eligibility and aggregation rules.Public source · Checked 13 Oct 2026	Critical Illness and Condition Benefit allows five claims, each at 50% of total policy premiums; each illness group can be claimed once.Public source · Checked 13 Oct 2026
Guaranteed / non-guaranteed	The plan distinguishes guaranteed cash value from non-guaranteed annual and terminal dividends.Public source · Checked 13 Oct 2026	The plan distinguishes guaranteed cash value from non-guaranteed annual and terminal dividends.Public source · Checked 13 Oct 2026	The plan provides guaranteed cash value and non-guaranteed annual and terminal dividends.Public source · Checked 13 Oct 2026
Waiting periods	not publishedDocuments checkedPublic source · Checked 13 Oct 2026	The stated accidental ICU benefit requires admission within 14 days of the accident and at least 24 consecutive hours in ICU; accidental death must occur within 180 days of the accident.Public source · Checked 13 Oct 2026	Critical Illness and Condition Benefit requires at least 14 days of survival after first diagnosis; subsequent claims must fall in different illness groups and satisfy the stated interval.Public source · Checked 13 Oct 2026
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 21 Oct 2026Public source · Checked 13 Oct 2026	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 21 Oct 2026Public source · Checked 13 Oct 2026	Published key exclusions (not exhaustive): Critical Illness and Condition / Terminal Illness benefits exclude pre-existing conditions and intentional self-harm; see full terms.Public source · Checked 21 Oct 2026