Well Protect Whole Life Insurance Plan
Also known as: 享護一生保險計劃
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Last checked
Well Protect Whole Life Insurance Plan is recorded as Whole life. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- Well Link Life Insurance Company Limited
- Product category
- Whole life
- Policy currencies
- USD
- Premium payment terms
View 4 options
Premium payment terms 5 years 10 years 15 years 20 years - Issue ages & basis
View 4 options
Issue ages & basis Recorded information Premium payment terms / Age basis 15 days to 65 years 5-year premium term.
Age basis: Not confirmed15 days to 60 years 10-year premium term.
Age basis: Not confirmed15 days to 55 years 15-year premium term.
Age basis: Not confirmed15 days to 50 years 20-year premium term: brochure says 50; undated product page says 60. Confirm eligibility.
Age basis: Not confirmed
Decision sheet
9 of 13 known · 4 not published · 0 not yet checked
- What it pays and when
Benefit term: To age 100Public source · Checked:
The benefit term runs to age 100.Public source · Checked:
- Benefit limits
- not publishedDocuments checkedPublic source · Checked:
- Premium and payment term
Premium payment terms: 5 yearsPublic source · Checked:
Premium payment terms: 10 yearsPublic source · Checked:
Premium payment terms: 15 yearsPublic source · Checked:
Premium payment terms: 20 yearsPublic source · Checked:
Payment terms are 5, 10, 15 or 20 years, with monthly or annual payment.Public source · Checked:
- How premiums can change
- not publishedDocuments checkedPublic source · Checked:
- Guaranteed / non-guaranteed
Cash value is guaranteed; annual dividends, terminal dividend and the dividend accumulation interest rate are non-guaranteed.Public source · Checked:
- Waiting periods
- not publishedDocuments checkedPublic source · Checked:
- Main exclusions
Published key exclusions (not exhaustive): Suicide within 12 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording.Public source · Checked:
For suicide within 12 months of issue or reinstatement, whichever is later, or an increase in sum insured (for that increase only), liability is limited to paid basic-plan premiums without interest, less indebtedness.Public source · Checked:
- Surrender / cancellation
Surrender benefit is guaranteed cash value plus accumulated annual dividends and interest and any terminal dividend, less indebtedness.Public source · Checked:
- Cooling-off
If no claim has been made, signed cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or cooling-off notice, whichever is earlier; paid premiums are refunded without interest.Public source · Checked:
- Riders
Supplementary benefits are available with additional premiums and underwriting; they end when the basic plan terminates.Public source · Checked:
- Claims steps
Insurer claims guide · Life / death
Life / death — Steps: Complete the appropriate signed claim and physician forms and collect supporting documents.Public source · Checked:
Life / death — Submission channels: Consultant, Wealth Management Centre or post to Well Link Life at Shun Tak Centre (address in source); online notification/help.Public source · Checked:
Life / death — Assessment / payment timing: Complete death/CI cases: handling pledge within 5 working days; additional evidence can extend assessment.Public source · Checked:
Life / death — Required documents: Death/physician forms, death certificate, insured/beneficiary IDs, relationship proof, policy; originals unless specified otherwise.Public source · Checked:
Life / death — Overseas claims / servicing: Mainland death requires a notarised death certificate and hospital medical death certificate.Public source · Checked:
- Policy servicing from abroad
- not publishedDocuments checkedPublic source · Checked:
- 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 partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (7)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What waiting periods apply?
- 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?
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
- Guaranteed cash value is specified in the contract. Early values are usually low; non-guaranteed values may change.
- Non-guaranteed part
- Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
- Stopping early
- Early surrender usually returns less than premiums paid. The break-even year depends on the individual illustration.
- Currency
- Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.
When does cover end, and can it be renewed or converted?
Taken from the insurer's own brochure for this edition. Ages, deadlines and conditions in the policy contract decide; this list does not say whether renewing or converting suits you.
- Cover ends: Whole life, to age 100 · PDF page 4
- Renewal: Not needed: whole-life cover · PDF page 4
Facts still unverified
- Conversion option: The brochure does not state it.
- Effective date: The brochure does not state it.
Official brochure · WLL-MKT-B009--V5-1026 · Printed 2026-10 · Checked:
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
- Whole life
- USD
- 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+)
- Well Link Life
Goals and audience categories described by product type
Insurers (15)
- AIA International Limited
- AXA China Region Insurance Company (Hong Kong) Limited
- BOC Group Life Assurance Company Limited
- China Life Insurance (Overseas) Company Limited
- China Taiping Life Insurance (Hong Kong) Company Limited
- Chow Tai Fook Life Insurance Co Ltd
- Chubb Life Insurance Hong Kong Limited
- FWD Life Insurance Company (Bermuda) Limited
- Hong Kong Life Insurance Limited
- HSBC Life (International) Limited
- Manulife (International) Limited
- Prudential Hong Kong Limited
- Sun Life Hong Kong Limited
- Well Link Life Insurance Company Limited
- YF Life Insurance International Limited
Similar products from other insurers
Similar products from other insurers
USD Whole life plans: Over 10 years premium term
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Product category | Whole life | ||||||||||
| Policy currencies | USD | ||||||||||
| Premium payment terms |
| ||||||||||
| Benefit term | To age 100 | ||||||||||
| Issue ages & basis |
| ||||||||||
| Published key exclusions (not exhaustive) | Suicide within 12 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording. |
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Official product page, Product Summary section; publication date unknown
Source date: Not confirmed
- Official brochure, physical PDF page 4, Product Summary; printed edition code, not effective date
Source date: / Page: 4
- Official brochure, physical PDF pages 9, selected exclusions / suicide section
Source date: / Page: 9