Bowtie Term Life Insurance
Last checked
At a glance
- Insurer
- Bowtie Life Insurance Company Limited
- Product category
- Term life
- Issue ages & basis
Issue ages & basis (1)
Issue ages & basis Recorded information Premium payment terms / Age basis 18 years to 65 years
Age basis: Not confirmed
- Pure life protection without savings; death benefit paid as a lump sum to the beneficiary.
Decision sheet
7 of 13 known · 6 not published
- What it pays and when
Benefit term: To age 100 / Annual or 5/10/20-year renewal; after maximum term-renewal age 95/90/80 respectively, annual renewal to age 100.Public source · Checked:
Recorded features: Pure life protection without savings; death benefit paid as a lump sum to the beneficiary.Public source · Checked:
- Benefit limits
- not published
- Premium and payment term
- not published
- How premiums can change
Renewal does not involve health re-underwriting; the insurer reserves the right to revise policy terms and the prevailing premium schedule.Public source · Checked:
- Guaranteed / non-guaranteed
- not published
- Waiting periods
No waiting period for the term life basic plan; Last Wish Rider has separate waiting and survival requirements.Public source · Checked:
- Main exclusions
Death by suicide within two years of the policy effective date is excluded, whether sane or insane.Public source · Checked:
- Surrender / cancellation
Request cancellation through the online platform at least 30 working days before the next renewal date.Public source · Checked:
- Cooling-off
21-day cooling-off period; cancellation within it entitles you to a full refund of premiums paid.Public source · Checked:
- Riders
- not published
- Claims steps
- not published
- 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 (8)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- How much is the premium, and how long must I pay it?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- 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)
All published facts
All published facts
| Field | Recorded information | ||||
|---|---|---|---|---|---|
| Product category | Term life | ||||
| Benefit term | To age 100 / Annual or 5/10/20-year renewal; after maximum term-renewal age 95/90/80 respectively, annual renewal to age 100. | ||||
| Issue ages & basis |
| ||||
| Recorded features | Pure life protection without savings; death benefit paid as a lump sum to the beneficiary. |
Names in other languages
- English
- Bowtie Term Life Insurance
- 繁體中文
- Bowtie 定期人壽保
- 简体中文
- Not confirmed
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- Bowtie Term Life Insurance — official product page
Source date: Not confirmed
Checked: - Bowtie 定期人壽保 — official product page
Source date: Not confirmed
Checked: