Zurich Term Life Insurance Plan

How to live life
with no regrets?


Drag in whatever matters
the most to you

See what you could have already done


Spending time with your kids

Caring for your parents

Supporting your partner

Following your heart

Prepare your kids for the future

Be the source of strength for your kids

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Stage your kids' dream

Repay your parents' love

Be your parents' harbour

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Get to know what your parents really think

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Relieve ageing parents' needs for elderly care

Protect your loved one from life's storms

Be your partner's biggest supporter

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Share your partner's stress

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Solve potential problems for your partner

Insist on your decision

Live life on your own terms

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Make plans to avoid regrets

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Ignite the world with your kindness

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Spend your life without worries

Do more for your kids

為<span>孩子</span><br>做更長遠的考慮1

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

Multiply possibilities for your kids

Want your kids to seize their dream?

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

Break down challenges for your kids

為<span>孩子</span><br>做更長遠的考慮3

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

Do more for your parents

How to honour your parents' choice?

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.

Break down challenges for your parents

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

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.

Alleviate worries for your parents

Your debt can become your parents' liability?

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.

Break down challenges for your partner

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

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.

Multiply possibilities for your partner

為<span>伴侶</span><br>創造更多回憶2

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。

Alleviate worries for your partner

Can you ensure your partner a worry-free future?

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']

Do more for yourself

Don't want to have final regrets?

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.

Multiply possibilities for yourself

Do you know you can donate your insurance?

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.

Alleviate worries for yourself

How to live a worry-free life?

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.

You can consider more for
yourself
/
your kids
/
your parents
/
your spouse

Want your kids to seize their dream?

How to honour your parents' choice?

Worried that your parents can't afford aged care?

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

Can you ensure your partner a worry-free future?

Don't want to have final regrets?

Do you know you can donate your insurance?

How to live a worry-free life?

Zurich Term Life Insurance Plan

Securing your loved ones' future

Flexible premium renewable term of 1, 5 or 10 years with guaranteed renewal up to age 100 (age next birthday)

Instant quote and simple application without medical examination

Cheaper than a daily cup of coffee for a maximum of HK$ 3,000,000 cover of death benefit

Accept applications from Hong Kong residents up to age 71 (age next birthday)

Product summary

Premium renewable term

1 / 5 / 10 years

Issue age

19 - 71 (age next birthday)

Guaranteed renewable age

Up to life insured’s age 100 (age next birthday)

Policy currency

HK$

Premium payment frequency

Monthly / Annually

Minimum sum insured

HK$100,000

Maximum sum insured

19-50 (age next birthday): HK$ 3,000,000
51-71 (age next birthday): HK$ 2,000,000

Death benefit

= Sum insured - any terminal illness benefit paid - any indebtedness

Terminal illness benefit

The lesser of (i) 50% of the sum insured; or (ii) HK$ 1,000,000

Death benefit settlement option

The death benefit can be paid to the beneficiary(ies):
(i) in lump sum; or
(ii) by monthly installment to be settled within one year to ten years

Residency

The policyholder and the life insured must be Hong Kong residents
(each life insured can only be insured by no more than one policy of this plan)

Need help? Any questions about the health declaration?