The above initial quote shows the lowest premiums based on your input age, gender and smoking status (not necessarily with the latest promotions). The premiums are for reference only and may be subject to a range of factors including but not limited to protection amount, protection period, and the health conditions of the life assured. Premium levy by the Insurance Authority will also be applied. Terms and conditions apply to respective products and offers. You may refer to the promotion page for details of the latest promotion offers. For the full terms and benefits of the policy, key product risks, full lists of exclusions, please refer to product summary and policy provision.

* This refers to the guaranteed annualised rate of return should the policy be held for its entire five-year benefit term.

^ Guaranteed Crediting Interest Rate of 2% p.a. in the first policy year, plus an extra 8% p.a. of Bonus Guaranteed Crediting Interest Rate in the first 3 months.

# For the full terms and benefits of the policy, key product risks, full lists of exclusions, please refer to product summary and policy provision.

※ Unemployment Benefit will only be available if you have been made redundant or were laid off at any time from one year after the policy issue date or any reinstatement date of the policy (whichever is later) and during the premium payment term while the policy is in force. This benefit can only be exercised once per policy.

+ This Promotion is only available with the application of “WeCare 109% Refundable Critical Illness Protector” with premiums of at least HK$900 (paid monthly), or HK$10,000 (paid annually). Term and condition applied to the above product and promotion. For more details, please visit to the relevant product page.