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EasyGuard Term Life Plan

Last checked

At a glance

Insurer
AIA International Limited
Product category
Term life
Policy currencies
HKD / USD
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
16 years to 70 years
Age basis: Not confirmed
  • Death benefit and conversion privilege to a whole life plan without additional health information, subject to conditions.
Ask a licensed broker about this productCompare with similar plans

Decision sheet

3 of 13 known · 10 not published
What it pays and when

Benefit term: To age 85Public source · Checked:

Recorded features: Death benefit and conversion privilege to a whole life plan without additional health information, subject to conditions.Public source · Checked:

Benefit limits
not published
Premium and payment term
not published
How premiums can change
not published
Guaranteed / non-guaranteed
not published
Waiting periods
not published
Main exclusions
not published
Surrender / cancellation
not published
Cooling-off
not published
Riders
not published
Claims steps

Insurer claims guide · Life / death

Life / death — Steps: Prepare documents, submit, await notification, then receive approved payment.Public source · Checked:

Life / death — Required documents: Claimant ID, death certificate, original policy or loss declaration and other items in the death checklist.Public source · Checked: Public source · Checked:

Life / death — Deadlines / notification: Submit the form and supporting documents within 90 days of the insured’s death.Public source · Checked:

Life / death — Submission channels: Financial planner / intermediary, or post to Customer Service Centre, 12/F AIA Tower, 183 Electric Road, North Point.Public source · Checked:

Life / death — Overseas claims / servicing: Overseas death: follow the country-specific certified-document checklist; bring originals for verification where required.Public source · Checked:

Life / death — Payment methods: Approved claims use the chosen payment method; the death page does not list the available methods.Public source · Checked:

Policy servicing from abroad
not published
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (11)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. How much is the premium, and how long must I pay it?
  3. When and how can premiums change?
  4. What waiting periods apply?
  5. What exclusions apply?
  6. What are the cancellation terms and any surrender value or charges?
  7. Which riders are available, and what are their costs and terms?
  8. How can I service the policy from abroad, and what restrictions apply?
  9. Can you provide the key facts statement and policy provisions for this product?
  10. What is the cooling-off period, and how do I cancel during it?
  11. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Matching goals and segments (by product type)

Insurers (6)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Term life

Source 1
Policy currencies

HKD / USD

Source 1
Benefit term

To age 85

Source 1
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
16 years to 70 years
Age basis: Not confirmed
Source 1
Recorded features

Death benefit and conversion privilege to a whole life plan without additional health information, subject to conditions.

Source 1
Names in other languages
English
EasyGuard Term Life Plan
繁體中文
「守康易定期壽險計劃」
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. EasyGuard Term Life Plan — official product page

    Source date: Not confirmed
    Checked:

  2. 「守康易定期壽險計劃」 — official product page

    Source date: Not confirmed
    Checked:

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