Group Term Life Insurance
At Expat Insurance Hong Kong, we develop customized life insurance programs that satisfy both employer objectives and employee expectations. From small firms to multinational organizations, we make it straightforward to deliver protection that truly matters and provides confidence and reassurance to everyone covered.
Who Needs Group Term Life Insurance?
Group Term Life Insurance is ideal for Hong Kong employers who want to provide meaningful long-term protection for their staff and their families. For employees — especially expats and internationally mobile professionals — financial security is a major concern, and life cover is
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one of the most valued benefits a company can offer.
This type of insurance is particularly important for businesses that want to strengthen retention, attract senior talent, and demonstrate genuine responsibility as an employer. It creates peace of mind by ensuring that if the unexpected happens, an employee’s dependants are supported financially — not left exposed during the most difficult time.
Possible Pitfalls We Help You Avoid
Life insurance benefits can appear simple, but key limitations often sit in the details. One common issue is low default coverage — some group plans provide only minimal sums insured that may not be enough to support dependants, mortgages, or education costs. We help ensure
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benefit levels are meaningful and aligned with employee realities.
Another pitfall is unclear disability definitions. Some policies include permanent disability cover, but only under strict conditions, or with limited payout triggers. We clarify exactly what qualifies and ensure the structure provides real protection. Portability is another risk for expat-heavy teams: without careful design, coverage may not follow employees through transfers, overseas assignments, or regional relocation.
Finally, claim experience matters. Without broker support, HR teams may face slow processing, unclear paperwork, and poor communication during sensitive situations. Our role is to prevent these issues upfront and ensure families receive fair, timely support if a claim occurs.
Why Work With Expat Insurance?
Group Term Life Insurance is not just a checkbox benefit — it’s a promise. The way the policy is structured determines whether employees and families receive real protection, or discover limitations when it’s too late. Comparing life insurance policies directly is difficult,
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because insurers vary in exclusions, eligibility rules, benefit triggers, and how disability is assessed.
Expat Insurance helps employers design a plan that matches company goals, budget, and workforce structure. We create flexible tiers for different employee levels, handle implementation and beneficiary documentation, and provide ongoing employee education so staff understand what they are covered for. When claims occur, we guide HR and families through the process with professionalism and sensitivity — ensuring the benefit delivers what it is meant to deliver.
What Does Typical Cover Include?
Group Term Life Insurance typically provides a lump-sum payout to a nominated beneficiary in the event of an employee’s death, and may also include permanent disability or total incapacity benefits. Coverage can be structured as fixed amounts or salary multiples (for example,
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one to four times annual salary), with options for additional protection depending on company preference.
Many plans can be designed to support both local and expatriate employees with worldwide protection. Done properly, this benefit gives employees confidence and stability — and gives employers a stronger, more attractive benefits program that supports loyalty, culture, and long-term workforce wellbeing.
Let's Get Your Insurance Done Right
Term life insurance can be confusing — coverage limits, exclusions, and benefits all vary. We make it simple and transparent for both HR and employees.
We start with your organisation’s goals.
We align benefits with your company’s budget, structure, and headcount.
We design flexible tiers.
We tailor plans for different employee levels and family situations.
We handle implementation.
We manage policy setup, enrolment, and beneficiary documentation.
We provide personal service.
We assist with claims, renewals, and ongoing employee education.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
We Ensure Professional Insurance Services
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Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group
Flexible group plans can help promote well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Provides financial security and peace of mind for your family, helping them stay stable and avoid any further stress if the unexpected occurs.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These situations occur daily in Hong Kong, not as rare incidents, where one hospital admission or illness can trigger serious financial stress. The difference lies in having the right insurance protection.
