5 Year Renewable and convertible Term Insurance gives maximum insurance protection for your premium dollar.

Responding to your security needs

As circumstances change, you may need to extend your insurance coverage for your family. No matter what period of coverage you need, this plan provides the most flexible benefit terms as it is guaranteed renewable every five years up to age 100.

Within reach

Because this is a pure protection plan, you and your family will enjoy financial security for the lowest initial outlay. Should you need to extend your coverage for a further five years, the premium will be adjusted according to your age at the date of renewal.

Guaranteed convertibility

Term insurance can be converted into a universal life plan or savings plan whenever it makes good sense to do so. This is a very valuable feature if sickness or accident means you are unable to buy a permanent plan before age 60 – or may do so only at higher rates. The right to convert without a medical examination is guaranteed.


The above content contains general information and is for reference only. Please refer to the policy document for benefit coverage and exact terms and conditions. For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: Hong Kong (852) 2533 5555.