定期壽險 - 立即申請!

$450萬相等於半層物業,供一名子女至大學的費用


無需體檢,45歲或以下人士可獲最高¥450萬保障

Term Insurance


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Key Features
Liberty Insurance
Sunlife Financial
AXA
Monthly Premium (HK$) 408.48 465.52 712.80
Policy Term  5 years and guaranteed renewable up to age 99. 5 years and guaranteed renewable up to age 80. 5 years and guaranteed renewable up to age 75.
Terminal Illness benefit  Advance payment of 50% of the Sum Assured. None None
Other Benefits      Provides additional cover for different accidents with a maximum accident sum assured of HK$1.5m. The basic Term policy is renewable up to age 75 and the accident benefit is renewable up to age 65.
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Name of Insurer
Sum Insured
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Key features for
FWD's Term Life Plus Insurance 

Flexibility

 

Flexibility

Choose to start with a low premium and renew yearly or lock in your premiums today.

Early stage critical ilklness

 

Total and Permanent Disability

Add a TPD rider for extra protection.

multipay critical illness shield

 

Cover 35 Critical Illnesses

Add a Critical Illness rider to cover you on 35 severe stage Critical Illnesses.

umbrella cover

 

Waiver of Premium

Peace of mind with a Waiver of Premium rider and get seamless, continued coverage in the event of TPD or Critical Illness

whole life heart beat

 

High Death Benefit cover

Provides cover for your loved ones. 

Do I need Term Insurance? 

網上買定期壽險無難度!45歲或以下人士無需體檢,即可申請高達$450萬保障額,讓你無論任何時候都可以把家人放在第一位。

相較儲蓄型人壽保險, 定期壽險的保費低,保險公司向投保人提供的保障大。由於保險公司無需把保費投入到儲蓄或投資部分,定期壽險的全數供款都投放在受保人的保障當中,定期壽險的保障可以是人壽保險的四倍之多。

What are the key features of a Term Insurance product?

以30歲非吸煙男士為例:

Savings and Investment elements are additional features that you will not need if your fundamental intent is to obtain a high sum assured to protect your loved ones in the event of your death.

The death benefit, also known as the sum assured, is the lump sum amount of money that the Insurance Company will pay to your beneficiaries if you die during the term of your policy (i.e. the Policy Term). You can select the Policy Term based on how many years of protection you wish to be covered for.

We set out some of the key considerations you need to think about when deciding on your Policy Term. Some Insurers do limit the length of the Policy Term depending on your age at the time of policy commencement. As there is no cash value upon surrender or maturity, if you do wish to terminate, or if you outlive the Policy Term of your Term Insurance policy, you will not get back any money.

There may however, be a few minor variations which are pure protection in nature and can be added to the product as a rider:

Terminal Illness Benefit:
This pays out a Terminal Illness Sum Assured ahead of death benefit if you are certified by a doctor to be terminally ill, i.e. you are likely pass away within 12 months. 

Total and Permanent Disability Benefit:
Pays out the sum assured earlier to you if you are permanently disabled.

Critical Illness Benefit:
Pays out the sum assured earlier to you if you are diagnosed with one of the covered Critical Illnesses. 

Waiver of Premiums:
Future premiums required could be waived upon Total and Permanent Disability, Critical Illness or both.

DIY簡易申請程序,
只需5個步驟,網上即時完成。

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InsureDIY為你跟進保單,第一時間通知你保單批核成功,讓你安心放心。無論你處於任何人生階段, DIY都可以為你找到最合適的定期壽險。

了解更多有關定期壽險

或者立即計算你的最高免體檢保障額  

Term Insurance children image
7 SG Logo MSIG

MSIG

利安定期人壽保障保證續保至99歲。

無需擔心上年紀後因過往病

歷或已存在疾病而遭拒保。

1 SG Logo INCOME

NTUC Income

無需提供受保資格証明,保證受保

人可於70歲前轉至其他指定計劃。

額外附加意外保障達$150萬。

5 SG Logo AXA

AXA

可自選危疾附加保障,

包括基本保障以外的4次危疾

及2次癌症賠償,保障更全面。

4 SG Logo Sompo

Sompo

特設豁免保費保障,受保人於

79歲前因疾病或意外完全失去

行為能力可豁免其繳付保費。

Who needs Term Insurance?

The purpose of Term Insurance is to provide for those who are financially dependent on you. These are your loved ones who would struggle in the event of your unfortunate demise and would include Children, Spouses, Elderly Parents or relatives who rely on you for an allowance or some form of support.

Since Term Insurance provides you with the most efficient protection is to money ratio, young working adults should get term insurance as one of their first insurance policies.

We cannot stress how critical and valuable Term Insurance is for people with limited means or savings due to its affordability and the level of coverage it can secure.

How much Term Insurance cover do I need?

The sum assured you should purchase will depend on your individual circumstances.

Some basic questions you need to be able to ask and answer are:

  • What proportion of the family income is supported by me?
  • In the event of my death, who would be impacted? How much sum assured will I need on my Term Insurance to support them monthly / yearly
  • Apart from my children and spouse, do I need to support other family members like parents, grandparents, grandchildren, siblings etc.?
  • Will I need to provide for any educational needs of my children? Do I need to consider sending them overseas and what are the associated expenses?
  • Do I have any outstanding loans (mortgage, car, credit cards etc) that would be a financial burden if I die?
  • What about final expenses like medical bills, funeral costs etc?
  • Do I plan to leave behind an inheritance / legacy?
  • Have I considered inflation and how this will impact the amount I need to set aside?

A simple starting point would be to take a multiple of your annual income and adjust for the factors listed. A quick back-of-the-envelope estimation insurance experts would recommend is for you to purchase a sum assured of 5 to 10 times your current annual income as the amount of Term Insurance death benefit to purchase.

Do keep in mind that your family needs will most likely increase over time, especially as you grow older and earn more in the future. What seems like enough today may not be adequate in ten years. It is usually best to purchase an amount you can afford at the present time while at the same time considering your future needs.

 

How do I decide on the Policy Term I will need? 

The Policy Term of your Term Insurance product will depend on your own individual circumstances. Most people will want the Policy Term of their Term Insurance product to cover them up to after their children are likely to have achieved financial independence.

It will also depend on whether you have any financial obligations and what's the outstanding duration of these. For example, if you hold a mortgage that will be paid off only in 30 years time, it could be well worth getting a Term Insurance plan with a Policy Term to match the same period. Do ensure you have considered all of such factors before choosing on the Policy Term.

Another suggestion we have is for you to consider buying multiple Term Insurance policies with different sum assured and different Policy Term to provide cover for your various financial obligations. For example, if you have a five-year old child and you wish to support that child through university or an advanced degree, you need a policy term period of 18 to 22 years.

You may also consider having another Term Insurance policy that covers your mortgage loans that corresponds to the mortgage tenure, or you could also consider buying another Term Insurance policy with a shorter maturity to cover your obligations to your aging parents.

I'm convinced I need a Term Insurance plan! What next? 

Get a quote for FWD's Term Life Plus Insurance here and sign up directly for a plan.