Simplified Underwriting Procedures
The application is simple as medical underwriting is not required.
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The best way to demonstrate to your loved ones how much you care about them is to get prepared in advance. By enrolling in the Simply 5 Years Term Life Plan (the “Plan”), you may enjoy high coverage on term life insurance with an affordable premium. In the unfortunate event of the death of the insured, a lump-sum benefit will be provided to loved ones to relieve them of immediate financial burdens.
Simplified Underwriting Procedures
Level Premium for Every 5-Year Period of Coverage
Life Protection
Policy Conversion Privilege Especially for You
Issue Age : 18 to 60 years old
Policy Currency : HKD
Premium Payment Term : To age 99 (Yearly Renewable)
Benefit Term : To age 100
Premium Payment Method : Annual
Minimum Sum Assured : HKD400,000
The application is simple as medical underwriting is not required.
The Plan is renewable every year, and Premiums remain unchanged during the 5-year period, enabling you to manage your finances more easily. Upon commencement of the next 5-year period, the Premium will be adjusted according to the attained age of the Insured.
In the unfortunate event of the death of the Insured during the Policy term, a death benefit is payable to the Beneficiary in the amount of 100% of the Sum Assured, providing one’s family with immediate financial support.
In addition, on or before the Insured reaches the age of 70, you may convert the Policy into a designated whole life insurance plan available at that point of time, without the need to provide health information. However, you may need to pay additional premiums and also be subject to the terms and conditions that apply at that point of time. The Policy will be terminated once the new policy becomes effective.
The premiums stated below are for male and female non-smoking customers who are aged 30, 40 and 50, enrolling the Plan with Sum Assured of HKD1,000,000.
| Annual Premium (HKD) | ||
|---|---|---|
| Age | Male | Female |
| 30 | 1,180 | 1,010 |
| 40 | 1,800 | 1,480 |
| 50 | 4,090 | 2,990 |
This
illustrative example and relevant figures are hypothetical and for illustrative
purpose only.
Please refer to the Policy documents for the complete definitions of the capitalised terms, as well as all the terms and conditions of this product. In the event of any dispute, China Life (Overseas) reserves the right to the final decision in deciding whether or not to accept the application and provide the insurance coverage.
This shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Hong Kong. China Life (Overseas) does not provide or offer to sell any insurance product outside Hong Kong.
For promotion details of the above plan, please call us at 3999 5598 or email us at enquiry@chinalife.com.hk for details.
