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Convertible Term Insurance

Last checked

At a glance

Insurer
YF Life Insurance International Limited
Product category
Term life
Policy currencies
USD / HKD
Premium payment terms
Premium payment terms (3)
Premium payment terms
10 years
To age 65
To age 75
Issue ages & basis
Issue ages & basis (2)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
18 years to 55 years10-year or to-age-65 plan.
Age basis: Age last birthday
18 years to 65 yearsTo-age-75 plan.
Age basis: Age last birthday
  • Premiums remain level and guaranteed; protection options of 10 years or to age 65/75.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

6 of 13 known · 7 not published
What it pays and when

Recorded features: Premiums remain level and guaranteed; protection options of 10 years or to age 65/75.Public source · Checked:

Benefit limits
not published
Premium and payment term

Premium payment terms: 10 years / To age 65 / To age 75Public source · Checked:

How premiums can change
not published
Guaranteed / non-guaranteed

Premiums remain level and guaranteed; protection options of 10 years or to age 65/75.Public source · Checked:

Waiting periods
not published
Main exclusions
not published
Surrender / cancellation
not published
Cooling-off

For basic cover, return the policy with a signed covering letter within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier. No refund if a benefit payment has been made, is to be made or is impending.Public source · Checked:

Riders
not published
Claims steps

Insurer claims guide · Life / death

Life / death — Required documents: Life Claim Application C03 is available; this entry does not provide an eClaims submission link.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 (10)

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. When and how can premiums change?
  3. What waiting periods apply?
  4. What exclusions apply?
  5. What are the cancellation terms and any surrender value or charges?
  6. Which riders are available, and what are their costs and terms?
  7. How can I service the policy from abroad, and what restrictions apply?
  8. Can you provide the key facts statement and policy provisions for this product?
  9. What is the cooling-off period, and how do I cancel during it?
  10. 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.

More product information from this insurer:

Yearly Renewable & Convertible Term Insurance

Goals and audience categories described by product type

Insurers (14)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Term life

Source 1
Policy currencies

USD / HKD

Source 4
Premium payment terms

10 years

To age 65

To age 75

Source 4
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
18 years to 55 years10-year or to-age-65 plan.
Age basis: Age last birthday
18 years to 65 yearsTo-age-75 plan.
Age basis: Age last birthday
Source 4
Recorded features

Premiums remain level and guaranteed; protection options of 10 years or to age 65/75.

Source 1
Names in other languages
English
Convertible Term Insurance
繁體中文
可轉換之定期保障計劃
简体中文
可转换之定期保障计划

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

Sources & verification dates

Sources & verification dates

Checked:

  1. Convertible Term Insurance — official product page (en)

    Source date: Not confirmed

  2. 可轉換之定期保障計劃 — official product page (zh-hant)

    Source date: Not confirmed

  3. 可转换之定期保障计划 — official product page (zh-hans)

    Source date: Not confirmed

  4. Convertible Term Insurance — public brochure

    Source date: Not confirmed / Page: 1