In life’s long winding journey, you work hard for the happiness of your family and loved ones,
now and in the future.









Everyone Longs for a Fulfilling Life...
Accidents Happen Every Day...


Were you to encounter an accident, who would look after the future of
your family and loved ones?
Can accidents really be controlled?
- Data.Gov.HK: Road Traffic Accident Statistics Year 2023
- Data.Gov.HK: Occupational Injuries in All Workplaces 2023
Have You Ever Thought About?
If misfortune befell you, not only would your family suffer the loss of their loved one, but also...

Loss of Income
Vanishing of your financial support

Unexpected Expenses
Substantial cash outlays on funeral arrangements

Financial Burden
Difficulties in repaying the mortgage, possibly losing their residence

Distressed Future
Budget disruption in children’s education and retirement support


Case Sharing: Ideal Protection


Andy is covered by
a life insurance plan

benefit of
HK$4 million.

Peter is not covered by
any life insurance plan

HK$100,000
in cash.

Even if accidents occur over the course of your life, life insurance helps fulfil your goal of protecting your family.
The Deepest Love Comes from the Most Caring Protection
A comprehensive protection plan can also provide...

Asset
Appreciation
Provides guaranteed cash value and constant returns

Wealth
Accumulation
A perfect saving tool for your future
How would you provide an ideal protection for the future of your loved ones?

Have You Prepared Sufficient Protection for Your Family’s Future?
If a tragedy were to happen, what they need would be...

Emergency Assistance
A one-off cash compensation to cover their urgent needs
Support for Daily Living
Financial coverage for the family to maintain their everyday needsYou should know...
According to the Mortality Protection Gap Study 2021 issued by Hong Kong Insurance Authority, the average size of protection gap million is about HK$1.9 million for each working adult.3
Mortality Protection Gap = Protection needs (future medical cost for dependents; future education cost for dependent children; future household expenditure; and current level of household debt) – resources available (savings and investments; assets related to retirement scheme; and life insurance coverage)
Think about it – how long your protection for your family would last?
- Insurance Authority, Mortality Protection Gap Study 2021
Do You Have Sufficient Coverage?
Fill in the following items to find out your ideal protection amount.
Ideal Life Protection Amount
No one can foresee the unknown, so start preparing to protect your family as early as possible!
- Including all expenses such as living costs, mortgage repayments and children’s tuition fees.
- Including the outstanding mortgage loans on your property, car loans, personal loans, savings earmarked for your children’s education fund and funeral expenses etc.
- Including life protection amount, cash, bank savings, stocks and bonds etc.
Case Sharing

Mr. Cheng
30 years old, accountantMarried, with a 5-year-old sonMonthly salary: HK$75,000
Financial state:- About HK$5 million deposit
- Mortgaged property with
HK$3 million outstanding repayment - Monthly family expenses of about HK$40,000

- Mr. Cheng has a medical insurance plan but no life insurance plan.

- Mr. Cheng is the family’s sole financial support, while his wife is a full-time homemaker.

- A one-time cash compensation to his family if he passes away.
- An amount large enough to pay off the mortgage and yet still be used as an emergency fund.

Mr. Cheng could consider using Hong Kong Life’s life insurance plan to:
- Provide proper protection for his family.
- Grow his wealth steadily.
- This example is not intended to constitute a recommendation or advice. Please do not rely solely on this example to make application decision. Before applying insurance plan, you may also seek independent and professional advice.
Case Sharing
Details of Mr. Cheng's plan: Life insurance plan to protect his family’s future








- This example uses Grand Fortune Whole Life Protection Plan - 100 for illustration.
- The policy is automatically terminated when it matures or is surrendered.
- The surrender value amounts to the guaranteed cash value plus non-guaranteed accumulated dividend and interest (if any) and non-guaranteed termination dividend (if any), after deducting policy loan (if any). The actual amount received may be higher or lower than the estimated amount
- This example is not intended to constitute a recommendation or advice. Please do not rely solely on this example to make application decision. Before applying insurance plan, you may also seek independent and professional advice.
Mortgage Repayment
In the event of the unfortunate death of Mr. Cheng during the protection period, the plan would pay out a death benefit of USD800,000 (around HK$6,240,000) to Mrs. Cheng, who could then use it to repay the outstanding amount of mortgage on their residence, giving the family peace of mind.
Coverage of Family Expenses
After the repayment of HK$3,000,000 mortgage loan, the remaining around HK$3,240,000 could be used to maintain Mrs. Cheng and their son daily living expense, helping them ride out this difficult period.
Retirement Reserve
The plan not only provides life insurance, but also capital appreciation over the long term. When Mr. Cheng turns 65, it will pay out a surrender value of USD309,711 (around HK$2,415,745), which is 204% of total premiums paid. This sum can serve as part of Mr. Cheng’s retirement reserve.
Single Premium
Simply pay a lump sum of premium and you can start your financial planning with whole life protection.
Contact Us

Life insurance plan is a lifelong commitment to your loved ones.
Will your plans show them how much you care, even when you can no longer be with them?
Let our professional team do an analysis for your financial needs today.
2290-2882

- This promotional material contains general information for reference and is applicable within Hong Kong Special Administrative Region only. It is also governed by the laws of Hong Kong.
- The information provided is based on sources which Hong Kong Life believes to be reliable but has not been independently verified. Hong Kong Life makes no responsibilities nor accepts any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/or losses caused thereby. Any examples given are for the purposes of illustration only.
- This promotional material is not intended to constitute a recommendation or advice to any prospective customer and is not intended as a substitute for professional advice. Please do not rely solely on this promotional material to make application decision. Before applying insurance plan, you may also seek independent and professional advice before making any decision.
- In case of any discrepancies between the Chinese and English version, the English version shall prevail.
Issued by Hong Kong Life Insurance Limited