為孩子
做更長遠的考慮1

💡畢身努力工作，只為了讓父母有個安樂窩。

但香港房屋價格持續高企，在九龍區租住40平方米的私人住宅單位，平均月租是HK$13,4801；買樓的話平均按揭年期是27.8年2，私人房屋按揭供款及借貸中位數是HK$13,5003，隨時留低高達上百萬的債務負擔。

若失去家庭支柱，租金或按揭的重擔自然落到家人身上，至安心定期壽險計劃的分期支付身故賠償能為家人雪中送碳，支付每月租金或按揭，讓家人依舊有歸宿。

¹ 差餉及物業估價署。私人住宅 ─ 各類單位平均售價 (自 1982 年起)。
https://www.rvd.gov.hk/tc/publications/property_market_statistics.html
² 2021年11月住宅按揭統計調查結果. (2021, December 31). 香港金融管理局.
https://www.hkma.gov.hk/chi/news-and-media/press-releases/2021/12/20211231-5/
³ 香港特別行政區政府 政府統計處 2021年人口普查辦事處（2022年）。2021人口普查結果。
https://www.census2021.gov.hk/tc/main_tables.html

Want your kids to seize their dream?

Achieving a dream may not require a certificate, but good education could be its cornerstone. Prepare sufficient education funds for them to make sure they won't lose the chance to receive a good education¹.

¹According to HSBC's education report in 2020, education from pre-school to college can cost up to HK$ 4.21 million. HSBC. (2020). Educating a new generation for a changing world.
https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/insurance/booklets/2020-sep-education.pdf

為孩子
做更長遠的考慮3

💡畢身努力工作，只為了讓父母有個安樂窩。

但香港房屋價格持續高企，在九龍區租住40平方米的私人住宅單位，平均月租是HK$13,4801；買樓的話平均按揭年期是27.8年2，私人房屋按揭供款及借貸中位數是HK$13,5003，隨時留低高達上百萬的債務負擔。

若失去家庭支柱，租金或按揭的重擔自然落到家人身上，至安心定期壽險計劃的分期支付身故賠償能為家人雪中送碳，支付每月租金或按揭，讓家人依舊有歸宿。

¹ 差餉及物業估價署。私人住宅 ─ 各類單位平均售價 (自 1982 年起)。
https://www.rvd.gov.hk/tc/publications/property_market_statistics.html
² 2021年11月住宅按揭統計調查結果. (2021, December 31). 香港金融管理局.
https://www.hkma.gov.hk/chi/news-and-media/press-releases/2021/12/20211231-5/
³ 香港特別行政區政府 政府統計處 2021年人口普查辦事處（2022年）。2021人口普查結果。
https://www.census2021.gov.hk/tc/main_tables.html

How to honour your parents' choice?

Show love to your parents the way they have loved you by learning about their deepest wants in life. They may not have disclosed that to anyone, but they might have some ideas about how they wish to settle their final matters. Whatever their choices, the best way to show your love and respect is to honour their wishes. Plan ahead so that you can honour their final will as best as you can with the death benefit.

Worried that your parents can't afford aged care if you pass away before them?

As your parents get older, they could use some help even for daily matters. At a certain point, they might even require personal care or nursing home services. But these services might cost over a hundred thousand dollars¹ each year, your parents might not be able to afford the services with their retirement savings. Provide sufficient funds and help your parents lead a secured retirement life, should you pass away before them.

¹Assuming your father and mother live up to 83 and 87.7 years old respectively and start requiring nursing home services (at the cost of HK$ 20k each month) at age 80.

Your debt can become your parents' liability?

If your parents are your inheritor, there's a good chance that they will also inherit your debt. To save your parents from repaying your debt in old age, what you can do is to take advantage of an insurance plan so that they wouldn't have to use their own savings should the unfortunate happen.

Don't want your partner to live a life of constant worries?

Even the strongest could crumble in situations when what was supposed to be borne by two landed on one person. The best protection you can give to keep your partner from constant worries is to make sure he/she will have sufficient funds to support the household no matter what.

為伴侶
創造更多回憶2

💡畢身努力工作，只為了讓父母有個安樂窩。

但香港房屋價格持續高企，在九龍區租住40平方米的私人住宅單位，平均月租是HK$13,4801；買樓的話平均按揭年期是27.8年2，私人房屋按揭供款及借貸中位數是HK$13,5003，隨時留低高達上百萬的債務負擔。

若失去家庭支柱，租金或按揭的重擔自然落到家人身上，至安心定期壽險計劃的分期支付身故賠償能為家人雪中送碳，支付每月租金或按揭，讓家人依舊有歸宿。

Can you ensure your partner a worry-free future?

A will may ensure your partner will inherit your assets, but the process could take time. In situations where your partner has an urgent need for cash flow, Zurich Term Life Insurance Plan will allow your partner to receive funds in as fast as 7 days¹ to meet the urgent needs.

¹ Applicable when all the required documents are provided in time.
[Please revise as 'Beneficiary may get the death proceed within 7 days the earliest if all required documents are submitted for Zurich Term Life Insurance Plan']

Don't want to have final regrets?

Life requires planning, such as your kid's education, and the action plan for caring for your ageing parents. But life is full of uncertainty, so how to sustain your plans? That's when a backup plan comes in handy — just so some things in life can go on no matter what.

Do you know you can donate your insurance?

Send love to the world when you can. You can choose to allocate a part of the compensation to charities you want to support to make the world a better place with your kindness.

How to live a worry-free life?

A worry-free life isn't just about living a manageable life but also about gracefully managing your afterlife business so that your family would not be further burdened by the saddening news in an abrupt. The cost of a funeral generally ranges from a few hundred thousand dollars to a million¹. Arranging your funeral ahead of time will save your family from the scurry financially and allow your family to say a proper goodbye to you.

¹The best possible funeral is one that says goodbye to your friends and family following your wish. Common burial rituals in Hong Kong include ground burial, burial at sea, diamond burial, green burial, or having the cremated ashes scattered in the garden of remembrance. The cost generally ranges from a few hundred thousand dollars to a few million.