10Life Financial Limited
Enquiries: enquiries@10life.com
Hotline: (852) 3705 1599
Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong
Talk to 10Life on WeChat
Term Life Insurance Comparison 2026
Male
Age : 35
Target Protection Period : 10 Years
Sum Assured : 1,000,000
Insurer
Renewal Term : Any
Underwriting : Any
We found 57 Term Life product(s) matching your selected filters.
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
770
HKD
639
Limited Offer
Using promo code "10LIFE" to enjoy 5-year premium discount (50% off on 1st-year, 30% off on 2nd – 5th year), plus two Free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off on the 1st year premium.
FWD | 富衛
MyTerm Plus Superior Plan
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
920
HKD
764
Limited Offer
Using promo code "10LIFE" to enjoy 5-year premium discount (50% off on 1st-year, 30% off on 2nd – 5th year) ), plus two free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off on the 1st year premium.
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
10.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
845
HKD
820
Limited Offer
Enter the promo code "10LIFE" on FWD website to enjoy 40% off on your 1st year premium, plus two free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off your 1st year premium.
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
760
Bowtie | 保泰人壽
Bowtie Term Life
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
852
HKD
798
Limited Offer
Enjoy 10-Month Premium Waiver* by using the promo code "10LIFE", with coverage up to $20 million to hedge against mortgage risk. Online applications can be completed in just 5 minutes.
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
9.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
870
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
9.6
/ 10
10Life Score
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
875
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
9.4
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
925
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
9.2
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD
941
FWD | 富衛
MyTerm Plus Superior Plan
Online Underwriting
9.1
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
986
HKD
956
Limited Offer
Enter the promo code "10LIFE" on FWD website to enjoy 40% off on your 1st-year premium, plus two free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off your 1st year premium.
BOC Life | 中銀人壽
iProtect 10 Years Insurance Plan
Online Underwriting
9.0
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
980
FWD | 富衛
MyTerm Series
Standard Underwriting
8.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
1,000
Blue | Blue
WeCare Flexible Term Life Protection Plan TF1
Online Underwriting
8.8
/ 10
10Life Score
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
1,000
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
1255
First Year Premium
HKD
385
770
Limited Offer
Using promo code "10LIFE" to enjoy 5-year premium discount (50% off on 1st-year, 30% off on 2nd – 5th year), plus two Free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off on the 1st year premium.
FWD | 富衛
MyTerm Plus Superior Plan
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
1432
First Year Premium
HKD
460
920
Limited Offer
Using promo code "10LIFE" to enjoy 5-year premium discount (50% off on 1st-year, 30% off on 2nd – 5th year) ), plus two free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off on the 1st year premium.
FWD | 富衛
MyTerm Plus Standard Plan
Online Underwriting
10Life Score
10.0
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD
1470
First Year Premium
HKD
378
630
Limited Offer
Enter the promo code "10LIFE" on FWD website to enjoy 40% off on your 1st year premium, plus two free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off your 1st year premium.
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
9.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
760
Bowtie | 保泰人壽
Bowtie Term Life
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
9.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD
1331
First Year Premium
HKD
320
640
Limited Offer
Enjoy 10-Month Premium Waiver* by using the promo code "10LIFE", with coverage up to $20 million to hedge against mortgage risk. Online applications can be completed in just 5 minutes.
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
10Life Score
9.8
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
870
Blue | Blue
WeCare Term Life Protection Plan TL3
Online Underwriting
10Life Score
9.6
/ 10
Terms Score
9.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
700
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
10Life Score
9.4
/ 10
Terms Score
10.0 / 10
Renewal Term
5-year Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
730
ZA Insure | 眾安人壽
ZA Life Protection
Online Underwriting
10Life Score
9.2
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
650
FWD | 富衛
MyTerm Plus Superior Plan
Online Underwriting
10Life Score
9.1
/ 10
Terms Score
10.0 / 10
Renewal Term
Yearly Renewal
10-Year Average Premium
HKD
1637
First Year Premium
HKD
450
750
Limited Offer
Enter the promo code "10LIFE" on FWD website to enjoy 40% off on your 1st-year premium, plus two free body check-ups. Apply MyCover Critical Illness Plan in one go to enjoy 70% off your 1st year premium.
BOC Life | 中銀人壽
iProtect 10 Years Insurance Plan
Online Underwriting
10Life Score
9.0
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
980
FWD | 富衛
MyTerm Series
Standard Underwriting
10Life Score
8.8
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
1,000
Blue | Blue
WeCare Flexible Term Life Protection Plan TF1
Online Underwriting
10Life Score
8.8
/ 10
Terms Score
10.0 / 10
Renewal Term
10-year Renewal
10-Year Average Premium
HKD
0
First Year Premium
HKD
1,000
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Related Articles
Life Protection Insurance Quick Guide
What is Life Protection Insurance?
Provide death benefit
Protect famiy well-being
Life Protection can be categorised into Term Life and Whole Life. If the insured dies within the coverage period, the insurer would pay the sum insured to the designated beneficiary.
Term VS Whole Life Insurance
Lower
Higher
(based on same preimum amount)
(based on same preimum amount)
Fixed term or up to certain age
No
Higher
Lower
(based on same premium amount)
(based on same premium amount)
Lifetime
Yes, there is surrender value
Life Protection Glossary
Protection Gap
Refers to the shortage of cash to support the family should the breadwinner passes away.
Death Benefit
The amount of proceeds the beneficiary will receive should the insured pass away.
Breakeven Period
When the surrender value of a life policy is equal or above the total premiums paid.
Who should buy Life Protection?
Breadwinners
To ensure parents, spouse and children have sufficient cash to sustain living should the breadwinner pass away
Mortgage borrowers
Life protection can help pay off your outstanding mortgage in case you pass away, safeguarding the living shelter for your family.
Frequently Ask Questions
What is the difference between Whole Life Protection and Savings Insurance?
While they both have a savings element, Whole Life Protection focuses on the guaranteed death benefit, and Savings Insurance focuses on wealth accumulation.
How do you calculate the protection gap?
The Insurance Authority and most insurance companies have protection calculators on their websites to help estimate protection gaps. You can also consult a licensed insurance advisor for a more accurate and personalised gap analysis.
How should you choose life protection?
10Life compares term life protection on the coverage age and renewable period, premium rates and terms. For whole life insurance, we evaluate the products based on the death benefit coverage throughout the lifetime.
How should you choose life protection?
10Life compares term life protection on the coverage age and renewable period, premium rates and terms. For whole life insurance, we evaluate the products based on the death benefit coverage throughout the lifetime.
