Term Life Insurance
At Expat Insurance Hong Kong, we help you choose a plan that matches your life stage, family commitments, and budget, with options for joint coverage, riders, and flexible benefit levels. Whether you’re protecting your home, children’s education, or long-term financial goals, we’ll make sure you’re covered with confidence, clarity, and peace of mind.
Who Needs Term Life Insurance?
Term Life Insurance is most valuable for anyone who has dependants or financial responsibilities and wants to ensure their family is protected if they pass away during the policy term. It’s especially relevant for expats living in Hong Kong who may not have close family support
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nearby and want certainty that their loved ones won’t face financial stress during an already difficult time.
It’s also highly relevant if you want clarity before a major event happens, because financial obligations don’t stop when life changes. A sudden loss can leave a family facing ongoing costs — housing, schooling, daily living expenses — and potentially international relocation costs. Term life insurance is designed to provide a lump sum benefit that helps protect your family’s lifestyle and financial stability when it matters most.
Possible Pitfalls We Help You Avoid
This is where experience matters, because term life policies can look similar until you compare the details. One common pitfall is focusing only on price and overlooking the real differences in coverage definitions, exclusions, and underwriting requirements. Some policies
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may appear cheaper but include restrictions that reduce real-world value.
Another issue is choosing the wrong coverage amount or term length. People often underestimate how much cover they need — or choose a term that ends too early, leaving their family exposed later. We help you calculate realistic protection based on your income, dependants, and long-term commitments, so your cover matches your real needs.
We also see confusion around medical underwriting and disclosure. Insurers can treat pre-existing conditions, lifestyle factors, and medical history very differently. A policy that looks simple can become complicated if health details aren’t handled correctly. We guide you through the process clearly, helping you avoid delays, unnecessary stress, or problems that could affect a future claim.
Why Work With Expat Insurance?
We regularly speak with expats who assumed life insurance would be straightforward, only to find it confusing and time-consuming — especially when comparing insurers, understanding exclusions, and navigating underwriting. These issues are not obvious when buying
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online or relying on generic advice, because the real value is in getting the policy structured correctly for your situation.
Another common problem is assuming employer-provided life insurance is enough. Corporate life cover is often limited, tied to employment, and may disappear if you change jobs or leave Hong Kong. Many expats rely on employer cover without realising the risk of losing protection at exactly the wrong time. We help you secure personal cover that stays with you — independent of your employer.
For internationally mobile professionals, there’s also the complexity of relocation. Some policies may have restrictions on residency, travel, or long-term time spent outside Hong Kong. We help you select cover that fits expat life — so you can maintain protection even if your circumstances change.
What Does Typical Cover Include?
Term Life Insurance typically provides a lump sum payout if you pass away during the policy term. It can be structured for a specific period (for example 10, 20, or 30 years), and the cover amount can be designed to support key financial goals — replacing income, paying off
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debts, covering children’s education, or providing long-term security for your family.
A key focus is ensuring the policy is designed around real-life needs — not just a generic number. Done properly, term life insurance protects your family from the financial shock of losing an income earner and helps them maintain stability, choices, and dignity during a difficult time.
Let's Get Your Insurance Done Right
Don’t let the complexity of comparing international providers leave you unprotected. Let us simplify the process by finding the perfect global life insurance plan—ensuring you get maximum value and total security for your family’s future.
We identify your needs.
We take time to understand your financial obligations, goals, and dependants.
We compare top insurers.
We source options from leading international and local life insurers for best value.
We simplify the process.
We handle applications, medical requirements, and renewals for you.
We stay with you for life.
As your circumstances change, we help you adjust or upgrade your policy accordingly.
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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.
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Need Other Insurance Products?
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 are not uncommon occurrences — they happen daily in Hong Kong, where just one hospital stay, accident, or sudden illness can rapidly turn into a financial crisis. The difference between being protected and being exposed often comes down to a single factor: having the right insurance policy in place.
