InsureDIY

It's simple to apply for Term Insurance online! If you aged 45 or below, you can now get up to $4.5 million cover without going through any medical examination.

Focus on protecting your family! If we compare Term Insurance to life insurance savings products that "return your money" (e.g. whole life insurance), Term Insurance has the highest protection per dollar of premium. Almost all premiums received goes to providing the death benefit and not used to build up surrender values.

As an example, we compare a Term Insurance and a Whole of Life Insurance policy for a 30-year-old male. To get the same level of cover, he would have to pay 4 times more!

	Term Insurance	Whole Life Insurance
Premium	About HK$500/mth	About HK$2,000/mth
Policy term	Till 65 years old	Till life (i.e. till policyholder passed away)
Guaranteed death benefit up to 65 years old	HK$3m	HK$3m plus bonus (if any). Bonus not guaranteed, subject to insurer’s investment performance. Distribution of bonus after 3 to 4 years from policy start.
Guaranteed death benefit after 65 years old	NIL
Cash surrender value	NIL	Not any in earlier years. Accumulated cash value after 20 years from policy start is close to the total premium paid. For example, the total premium paid by the 20^th year: HK$480k, and the cash surrender value at that point (includes non-guarantee bonus) is only HK$420k.

DIY Simple Application Process - 5 Easy Steps, Instant Apply Online

InsureDIY helps follow up with your policy application, walking through the underwriting process every step of the way, if any. We are here to service your policy for the entire policy term!

Find out more on term insurance

Or check out your non-medical limit* now

*The maximum sum assured on a term policy for applicants who are not given a medical examination.

		Best Price Challenge		You can find only the best price competitive products on our platform. Want to keep an eye out on every popular policy? Register now to check out all the high ranked plans.

		Save Time		Buying directly on our website. One-stop shop. Key in once for multiple quotes, no more re-keying your information at multiple insurers' websites.

		Get the Best Cover		Curated from thousands of term insurance products to 5 - 6 best products. Compare the plans side-by-side to buy the one that best suits you. As a PIBA licensed provider, we work directly with the insurers to bring you the same quality products that you can find on their own websites.


	ProLife Term Life Insurance		Smart Elite Term
	Guaranteed renewable till age 99. This is one of the longest Term Insurance cover!		Conversion option gives you flexibility to convert a savings plan without the need to provide evidence of insurability. Up to extra $1.5 m cover with add-on accident rider.


	Term Plan II		International Term Assurance
	Add on Multi Protection Benefit and get protection from 4 extra critical illness claims and 2 cancer claims		With Waiver of premium benefits, the premiums will be waived if the insured is totally incapacitated.

The above table is for illustration only, click on it to see the latest quotes and discounts.

InsureDIY Limited is an insurance broker licenced by PIBA and is authorised to distribute insurance in Hong Kong.

Term Insurance - Apply Now!