- Policy currencies
- USD
- Premium payment terms
- Single premium / 5 years / 10 years
Maxijoy Life Protector
Last checked
At a glance
- Insurer
- China Taiping Life Insurance (Hong Kong) Company Limited
- Product category
- Whole life
- Policy currencies
- USD / HKD
- Premium payment terms
Premium payment terms (6)
Premium payment terms 5 years 10 years 15 years 20 years 25 years 30 years - Issue ages & basis
Issue ages & basis (6)
Issue ages & basis Recorded information Premium payment terms / Age basis 15 days to 70 years 5-year premium payment term.
Age basis: Age last birthday15 days to 65 years 10-year premium payment term.
Age basis: Age last birthday15 days to 60 years 15-year premium payment term.
Age basis: Age last birthday15 days to 55 years 20-year premium payment term.
Age basis: Age last birthday15 days to 50 years 25-year premium payment term.
Age basis: Age last birthday15 days to 45 years 30-year premium payment term.
Age basis: Age last birthday
- Guaranteed cash value
- Non-guaranteed cash and terminal bonuses
- Death benefit, subject to policy conditions
Decision sheet
7 of 11 known · 4 not published
- What it pays and when
Benefit term: Whole lifePublic source · Checked:
Recorded features: Guaranteed cash value / Non-guaranteed cash and terminal bonuses / Death benefit, subject to policy conditionsPublic source · Checked:
- Benefit limits
Accidental death benefit: 100% of basic premiums paid, capped at USD125,000 / HKD1 million per insured across this plan, subject to conditions.Public source · Checked:
- Premium and payment term
Premium payment terms: 5 years / 10 years / 15 years / 20 years / 25 years / 30 yearsPublic source · Checked:
- How premiums can change
Premiums are guaranteed unchanged during the premium payment term.Public source · Checked:
- Guaranteed / non-guaranteed
Guaranteed cash valuePublic source · Checked:
Non-guaranteed cash and terminal bonusesPublic source · Checked:
Guaranteed cash value; cash dividends and terminal dividends are non-guaranteed. Cash dividends start at the end of policy year 3; terminal dividends on surrender or death from the end of year 10.Public source · Checked:
- Waiting periods
- not published
- Main exclusions
- not published
- Surrender / cancellation
Written termination is available. Early surrender proceeds may be less than premiums paid.Public source · Checked:
Surrender value includes guaranteed cash value, accumulated non-guaranteed dividends and interest, and unused prepaid premiums and interest, less prepaid premium clawback charges and debts.Public source · Checked:
- Cooling-off
Cancel in writing within 21 calendar days after delivery of the policy or cooling-off notice to you or your representative, whichever is earlier. Premiums and levy are refunded, subject to market value adjustment if applicable; no refund after a claim.Public source · Checked:
- Riders
- not published
- Claims steps
- not published
Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.
How the value of this kind of plan works
How the value of this kind of plan works
Read this before any illustration. It describes these plans in general; the policy contract decides.
- Guaranteed part
- The guaranteed cash value is in the contract. It is usually low in the early years and is the only part you can rely on.
- Non-guaranteed part
- Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
- Stopping early
- Surrendering in the first years usually returns less than you paid. Find the break-even year in your own illustration first.
- Currency
- Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
- Whole life
- USD
- HKD
- Premium term band: Up to 5 years
- Premium term band: Over 5 to 10 years
- Premium term band: Over 10 years
- Issue-age band: Children (0–17)
- Issue-age band: Adults (18–64)
- Issue-age band: Older adults (65+)
- China Taiping
Matching goals and segments (by product type)
Similar products from other insurers
Similar products from other insurers
- Policy currencies
- USD
- Premium payment terms
- Single premium / 5 years / 10 years
- Policy currencies
- USD
- Premium payment terms
- 5 years / 10 years / 15 years / 20 years
- Policy currencies
- HKD / USD / CNY
- Premium payment terms
- 5 years / 10 years / 15 years / 20 years
- Policy currencies
- HKD / USD
- Premium payment terms
- 6 years / 12 years / 20 years / 25 years
- Policy currencies
- HKD / USD
- Premium payment terms
- 6 years / 12 years / 20 years / 25 years
Comparison groups
Comparison groups
- USD Whole life plans compared
- USD Whole life plans: Up to 5 years premium term
- USD Whole life plans: Over 5 to 10 years premium term
- USD Whole life plans: Over 10 years premium term
- China Taiping Whole life plans compared
- HKD Whole life plans compared
- HKD Whole life plans: Up to 5 years premium term
- HKD Whole life plans: Over 5 to 10 years premium term
- HKD Whole life plans: Over 10 years premium term
All published facts
All published facts
| Field | Recorded information | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Product category | Whole life | ||||||||||||||
| Policy currencies | USD / HKD | ||||||||||||||
| Premium payment terms | 5 years 10 years 15 years 20 years 25 years 30 years | ||||||||||||||
| Benefit term | Whole life | ||||||||||||||
| Issue ages & basis |
| ||||||||||||||
| Recorded features | Guaranteed cash value Non-guaranteed cash and terminal bonuses Death benefit, subject to policy conditions | ||||||||||||||
| Sales status | On sale (at source date) |
Names in other languages
- English
- Maxijoy Life Protector
- 繁體中文
- 優然終身保
- 简体中文
- Not confirmed
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
- Individual catalogue: published name and listed sale status; null fields not confirmed
Source date: Not confirmed
Checked: - Official bilingual product-name crosswalk: Maxijoy Life Protector
Source date: Not confirmed
Checked: - Official public brochure: insurer-published Traditional Chinese product name
Source date: Not confirmed / Page: 1
Checked: - Official public brochure: confirmed product facts (physical PDF page)
Source date: Not confirmed / Page: 3
Checked: