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It's okay to be fickle

Who says life insurance policies are all rigid? Flexible, simple, and affordable, WeCare Term Life Protection Plan 1 (“WeCare TL1”) is the term life insurance plan that you can adjust as your life changes.
adjustable term life insurance
Super Flexible
Longer or shorter period, higher or lower amount - you can change the plan as you need without any penalties. Get back a portion of what you pay if you change your mind1.
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Quick and Easy
Answer three health assessment questions. Get instant approval. Ditch the troublesome paperwork.
affortable term life insurance with great protection
Lower Cost, Greater Protection
Tailor your coverage at an affordable cost to cover what you need — up to HK$8 million!

Flexible life protection that evolves with you

Take a look at what the plan can offer as Tom advanced in life
When Tom started his career
blue term life insurance scenario case

When Tom started his career

Tom was a 25-year-old aspiring accountant when he bought a WeCare TL1 policy for HK$1,000,000 for 10 years' coverage.

Five years later Tom got a promotion. With a higher salary, he increased the protection amount to HK$2,000,000.

Tom changed the plan by just answering a few simple questions online.

When Tom started a family
family term life insurance

When Tom started a family

At the age of 33, Tom and his long-time girlfriend, Karen, married and purchased a new flat. As a result of having a family and mortgage, they decided to increase their protection amount to HK$3,500,000 and paid higher premiums. They also aligned the protection period with their mortgage payment term to 25 years. To do this, he just had to answer a few questions online.

Tom easily adjusted the plan for his changing needs without any penalties.

When Tom retired
term life insurance for retirement

When Tom retired

After many years, Tom and Karen decided to retire earlier. After working for so long and watching their children grow up, they terminated the policy earlier and got back a portion of what they paid 1

With just one plan, Tom flexibly adjusted the plan for his needs at different life stages.

Key Features and Benefits2

Get to know more about our plan
Key Summary Key Coverage / Options
Sum Assured (i.e.protection amount) HK$ 250,000 - HK$ 8,000,000
Issue Age 18 - 65
Maximum Cover Age 85
Policy Benefit Term (i.e. protection period) 1-30 years, or to age 65
Premium Payment Term (i.e. payment term) Same as the selected Policy Benefit Term
Plan change on Sum Assured, Policy Benefit Term and Premium Payment Term Anytime, and you can change your policies twice within 12 months from the policy effective date or the last policy anniversary
What's also included?
Get some money back 1(if any) if you make a plan change, terminate your policy, or you fail to pay a premium resulting in policy termination.
Guaranteed policy renewal without answering further health questions.
Premium remains unchanged during the payment period.
What's not covered2 ?
Suicide within 1 year from the policy issue date will not be covered. The total premiums paid for the current protection period will be refunded.
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