WeSave E1 Insurance Plan
WeSave S2 Insurance Plan
WeCare Term Life Protection Plan 1
WeCare Term Life Protection Plan 2
WeGuard PharmaEASY Protector
WeGuard Eye Disease Protector
WeMedi Outpatient Protector
WeCare Cancer All-in-One Protector
WeCare Carcinoma-in-situ (CIS) Protector
WeCare Critical Illness Protection Plan 1
WeCare Accidental Hospital Cash Protector
WeCare Accidental Emergency Cash Protector
WeCare Accidental Joint & Bones Protector
WeCare Personal Accident Protection Plan 1
WeSave E1 Insurance Plan
WeSave S2 Insurance Plan
WeCare Term Life Protection Plan 1
WeCare Term Life Protection Plan 2
WeGuard PharmaEASY Protector
WeGuard Eye Disease Protector
WeMedi
Outpatient Protector
WeCare Cancer All-in-One Protector
WeCare Carcinoma-in-situ (CIS) Protector
WeCare Critical Illness Protection Plan 1
WeCare Accidental Hospital Cash Protector
WeCare Accidental Emergency Cash Protector
WeCare Accidental Joint & Bones Protector
WeCare Personal Accident Protection Plan 1
WeSave E1 Insurance Plan
WeSave S2 Insurance Plan
WeCare Term Life Protection Plan 1
WeGuard PharmaEASY Protector
WeMedi
Outpatient Protector
WeGuard Eye Disease Protector
WeCare Term Life Protection Plan 2
WeCare Accidental Hospital Cash Protector
WeCare Accidental Emergency Cash Protector
WeCare Accidental Joint & Bones Protector
WeCare Cancer All-in-One Protector
WeCare Carcinoma-in-situ (CIS) Protector
WeCare Critical Illness Protection Plan 1
WeCare Personal Accident Protection Plan 1
WeCare Term Life Protection
Plan 2
Best value protection
with
guaranteed policy
renewal
Get cover of HK$1 million sum
assured for as low as
HK$1 a day^
WeCare Term Life Protection
Plan 2
Best value protection
with
guaranteed policy
renewal
Get cover of HK$1 million sum
assured for as low as
HK$1 a day^
Career starters may find it financially challenging to start taking care of the family. You need an affordable life insurance plan which gives adequate protection to your family. How can “WeCare TL2” help you?
Taylor, 25 years old, becomes a freelancer after graduation. She is a part-time webpage and program designer, as well as a travel influencer. Taylor plans to work for five years as a freelancer before looking for a full-time job. She needs a basic life insurance plan at a low premium to provide adequate protection for her parents. Let’s assume that she is free from any debt and gives her parents HK$8,000 per month. To cover a 5-year protection period, she needs a plan with a protection amount of around HK$500,000. She, therefore, decides to purchase “WeCare TL2” with a protection amount of HK$500,000 over a 5-year coverage period with a monthly premium of HK$15.
Get a quote nowWhether or not you are covered by your company’s group life insurance plan, a basic protection for yourself is a must as your company’s plan may not cover your needs well. A basic protection gives you confidence facing changes in career and life. How can “WeCare TL2” help you?
Simon is married and has his own flat at the age of 32. He has a stable income sufficient to cover his living expenses. Although he is covered by the group life insurance plan of his company, the protection amount is far below the amount of his mortgage loan. He hopes to get a life insurance plan at an affordable premium to cover all his family expenses. Let’s assume that the amount of his mortgage loan is HK$3 million and the monthly support for his parents and wife is around HK$10,000. To cover a mortgage repayment period of 20 years, the protection amount required would be around HK$5.5 million. Therefore, he decides to purchase “WeCare TL2” with a protection amount of HK$5.5 million over a 20-year coverage period at a monthly premium of HK$504.15.
Get a quote nowYou may already have a life protection plan sufficient to cover your family expenses when needed. As you embark on new stages of life such as getting married, buying a house, expecting a child, or starting a new business, you need to extend your plan’s coverage accordingly. How can “WeCare TL2” help you?
Tony is the father of a newborn at the age of 35. He has a policy with a sum assured of HK$1 million, which is not sufficient to provide extra coverage to his son. As a breadwinner, Tony wants to enhance the existing coverage level with an affordable premium. Assuming that the monthly expenditure for raising his son is HK$15,000 per month for the next 15 years, the sum assured required would be approximately HK$3 million. Therefore, Tony makes a decision to purchase “WeCare TL2” with a protection amount of $3 million at a monthly premium of HK$282.49 with a term of 15 years.
Get a quote nowCareer starters may find it financially challenging to start taking care of the family. You need an affordable life insurance plan which gives adequate protection to your family. How can “WeCare TL2” help you?
Taylor, 25 years old, becomes a freelancer after graduation. She is a part-time webpage and program designer, as well as a travel influencer. Taylor plans to work for five years as a freelancer before looking for a full-time job. She needs a basic life insurance plan at a low premium to provide adequate protection for her parents. Let’s assume that she is free from any debt and gives her parents HK$8,000 per month. To cover a 5-year protection period, she needs a plan with a protection amount of around HK$500,000. She, therefore, decides to purchase “WeCare TL2” with a protection amount of HK$500,000 over a 5-year coverage period with a monthly premium of HK$15.
Get a quote nowWhether or not you are covered by your company’s group life insurance plan, a basic protection for yourself is a must as your company’s plan may not cover your needs well. A basic protection gives you confidence facing changes in career and life. How can “WeCare TL2” help you?
Simon is married and has his own flat at the age of 32. He has a stable income sufficient to cover his living expenses. Although he is covered by the group life insurance plan of his company, the protection amount is far below the amount of his mortgage loan. He hopes to get a life insurance plan at an affordable premium to cover all his family expenses. Let’s assume that the amount of his mortgage loan is HK$3 million and the monthly support for his parents and wife is around HK$10,000. To cover a mortgage repayment period of 20 years, the protection amount required would be around HK$5.5 million. Therefore, he decides to purchase “WeCare TL2” with a protection amount of HK$5.5 million over a 20-year coverage period at a monthly premium of HK$504.15.
Get a quote nowYou may already have a life protection plan sufficient to cover your family expenses when needed. As you embark on new stages of life such as getting married, buying a house, expecting a child, or starting a new business, you need to extend your plan’s coverage accordingly. How can “WeCare TL2” help you?
Tony is the father of a newborn at the age of 35. He has a policy with a sum assured of HK$1 million, which is not sufficient to provide extra coverage to his son. As a breadwinner, Tony wants to enhance the existing coverage level with an affordable premium. Assuming that the monthly expenditure for raising his son is HK$15,000 per month for the next 15 years, the sum assured required would be approximately HK$3 million. Therefore, Tony makes a decision to purchase “WeCare TL2” with a protection amount of $3 million at a monthly premium of HK$282.49 with a term of 15 years.
Get a quote nowKey Summary | Key Coverage / Options |
Sum Assured (i.e. protection amount) | HK$250,000 – 5,500,000 |
Issue Age | 18 - 55 |
Maximum Cover Age | 85 |
Policy Benefit Term (i.e. protection period) | 5 / 10 / 15 / 20 years |
Premium Payment Term (i.e. payment term) | Same as the Policy Benefit Term chosen |
I want a basic protection! WeCare Term Life Protection Plan 2 |
I want a flexible protection! WeCare Term Life Protection Plan 1 |
|
Sum Assured Amount (i.e. protection amount) | HK$250,000 – 5,500,000 | HK$250,000 - 8,000,000 |
Issue Age | 18 - 55 | 18 - 65 |
Maximum Cover Age | 85 | 85 |
Policy Benefit Term (i.e. protection period) | 5 / 10 / 15 / 20 years | 1 – 30 years, or up to 65 |
Premium Payment Term (i.e. payment term) | Monthly premium or yearly premium | Monthly premium or yearly premium |
Plan change on Sum Assured, Policy Benefit Term and Premium Payment Term | Not applicable | You can make a maximum of two changes anytime within 12 months from the effective date of the policy/the previous anniversary date of the policy. |
Refund of premium not yet used | Not applicable | Premiums can be partially refunded due to changes of the plan, termination of the policy or inability to pay the premium resulting in policy termination |
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Life insurance is a purchase that provides you financial protection (a lump sum payment). You make payments to an insurer, and in return they provide a protection amount if the life insured passes away while the policy is in force.
Term life insurance plans are purchased for a specific time period, such as 5, 10 or 15 years. It offers benefits if death occurs during the protection period. WeCare Term Life Protection Plan 2 is a term life insurance plan.
Most whole life insurance plans in Hong Kong provide death benefits as well as a cash value accumulation that builds during the life of the policy. Some of your premium payment will be diverted to the cash value account and does not factor into your insurance protection. This means that in order to get the same amount of protection as a term life insurance plan, you will have to pay more.
WeCare Term Life Protection Plan 2 provides you a basic life protection within your selected Policy Benefit period with the most affordable premiums while WeCare Term Life Protection Plan 1 additionally offers a more flexible feature that allows you to adjust your coverage, policy benefit term and premium payment term anytime according to your life changes.
Moreover, WeCare Term Life Protection Plan 2 and WeCare Term Life Protection Plan 1 have different maximum sum assured, issue age and policy benefit term. For more details, you may refer to the comparison table on product page.
Yes, your Policy will be valid wherever you travel or work except when we notify you by a notice of any restriction to travel or occupation outside Hong Kong.
Attained Age at Renewal | Reduced Policy Benefit Term |
76-80 | 5 |
71-75 | 10 |
66-70 | 15 |
We accept credit card (i.e. Visa/Master) and FPS for premium payment.
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