AIA Term Life
AIA Hong Kong
Best for
Young breadwinner
Premium HK$420
Cover HK$5M
Renew to 80
Term life CI rider Premium guaranteed
Pure protection, lowest cost-per-coverage.
Life insurance
Protect your family
4 HK life policies ranked by premium / coverage / term.
Manulife LifeCare
Manulife Hong Kong
Best for
Wealth + legacy planner
Premium HK$3200
Cover HK$5M
Renew to 99
Whole life CI rider Premium guaranteed
Lifelong cover with growing cash value.
Prudential PRUterm
Prudential Hong Kong
Best for
Flexible-term mid-career
Premium HK$580
Cover HK$5M
Renew to 85
Term life CI rider Premium guaranteed
Term life with industry-leading conversion options.
BOC Life Term
BOC Life
Best for
Budget-conscious starter
Premium HK$380
Cover HK$3M
Renew to 75
Term life
Most affordable entry-level term life from BOC.
Frequently asked
Term life = pure protection, much cheaper but no cash value, expires after term. Whole life = lifelong cover + builds cash value you can borrow against, but 5-10× the premium. Most HK families use term life to cover mortgage years (20-25 years) then drop it when kids are independent. Whole life makes sense for estate planning + high earners.