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    Our Protection Solutions

    Life Protection

    EmbraceLife Insurance Plan

    • Death Benefit of up to 150% of the Sum Assured of the basic plan
    • Non-guaranteed Terminal Dividend will be paid upon policy termination.
    • 3 choices of premium payment periods – 5 years, 10 years or 15 years
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    Product brochure
    Terms and conditions apply, please note the relevant product risks. EmbraceLife Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    CompanionLife Insurance Plan

    • Provides family protection throughout different life stages
    • Offers a non-guaranteed Special Dividend
    • Allows the policyholder to exercise the Policy Value Management Option after the first 20 policy years
    • Includes free Supplementary Benefits 
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    Product brochure
    Terms and conditions apply, please note the relevant product risks. CompanionLife Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    PhoenixLife Insurance Plan

    • Guaranteed whole life coverage with flexible arrangement on Death Benefit settlement
    • Policy Value Management Option can be exercised after the 10th Policy Year to lock in your potential returns
    • Allow designation of Contingent Owner and up to 3 times Change of Life Insured to fulfil the need of legacy planning
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    Product brochure
    Terms and conditions apply, please note the relevant product risks. PhoenixLife Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    Exquisite Universal Life Insurance Series

    • Range of payment terms - single premium, 2-year or 5-year terms, even additional unscheduled premium payments
    • Period of Guaranteed Crediting Interest Rate Lock
    • Change of Life Insured option for multi-generation planning
    View details
    Product brochure
    Terms and conditions apply, please note the relevant product risks. Exquisite Life Insurance Series (“Exquisite” or “The Plan”) is a series of life insurance products and is not equivalent or similar to any kind of of bank deposit. The series is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    Splendid Universal Life Insurance Plan

    • Range of payment terms - single premium, 2-year or 5-year terms, even Unscheduled Premium payments
    • Withdrawals and Policy Loans from policy account
    • Achieve Saving growth by Interest Crediting Account, 1-year New Money Crediting Rate or Loyalty Bonuses
    View details
    Product brochure
    Terms and conditions apply, please note the relevant product risks. Splendid Universal Life Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    Retirement / Wealth Accumulation

    IncomePower Life Insurance Plan

    • Sufficient withdrawal liquidity and savings potential that help grow your wealth
    • Non-guaranteed Monthly Income from 25th monthiversary
    • Special Dividend elevates potential non-guaranteed returns
    • Free Supplementary Benefits, including Medical Advance Benefit, Mental Incapacity Benefit Plus and Accidental Death Benefit
    View details
    Product brochure
    Terms and conditions apply, please note the relevant product risks. IncomePower Life Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    FortuneLife Deferred Annuity Life Insurance Plan

    • Being certified by the Insurance Authority (“IA”) as Qualifying Deferred Annuity Policy (“QDAP”)
    • Including Monthly Guaranteed Annuity Income, Annual Guaranteed Bonus (if any) and Special Guaranteed Bonus (if any)
    • Flexible annuity options with different payment terms and accumulation period
    View details
    Product brochure
    Terms and conditions apply, please note the relevant product risks. FortuneLife Deferred Annuity Life Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    DragonPower Life Insurance Plan

    • An opportunity for long-term capital growth
    • After the 10th Policy Year, the policyholder has the right to exervise the Policy Value Management Option to lock-in the potential returns
    • Free Supplementary Benefits, including Accidental Death Benefit and Mental Incapacity Benefit  
    View details
    Product brochure
    Terms and conditions apply, please note the relevant product risks. DragonPower Life Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    PhoenixPower Life Insurance Plan

    • Stable incremental life protection
    • Offer a non-guaranteed Special Dividend
    • Potential returns can be locked with Policy Value Management Option when reaches the 10th policy year
    • Change of Life Insured for unlimited times and by designating Contingent Owner to fulfil the need of legacy planning
    View details
    Product brochure
    Terms and conditions apply, please note the relevant product risks. PhoenixPower Life Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    LegendPower Life Insurance Plan

    • Up to 7% projected annualised return for potential long-term capital growth
    • Unlimited changes of the Life Insured and options to designate a Contingent Owner and Contingent Insured to allow seamless wealth accumulation across generations
    • Policy Value Management Option available after the 5th Policy Year to lock in potential returns
    • Guaranteed acceptance up to age 80 without medical exam requirement
    • Free supplementary benefits including Mental Incapacity Benefit Plus and Accidental Death Benefit
    View details
    Product Brochure
    Terms and conditions apply, please note the relevant product risks. LegendPower Life Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    Medical & Critical Illness

    LifeBetter Critical Illness Life Insurance Plan

    • Protects you against 132 illnesses in different stages and the Multiple Claims Major Illness Benefit covers the top 3 major Critical Illnesses
    • Providing Guaranteed Cash Value and a non-guaranteed Special Dividend to enhance your wealth
    • Built-in life protection 
    View details
    Product brochure
    Terms and conditions apply, please note the relevant product risks. LifeBetter Critical Illness Life Insurance Plan is a life insurance plan and is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).

    Tools

    Online document submission

    You can submit the required supporting documents online with ease and convenience.
    Submit now

    Make a claim

    Claim procedures

    Find details on how to submit your claim and more.

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    Download form

    You can find all the forms and documents here for our insurance products.

    View details

    Call us

    Life Insurance

    (852) 2198 7838 Service hours:

    Mon to Fri: 9:00am to 5:30pm

    Sat: 9:00am to 1:00pm

    Closed on Sunday and Public Holidays

    General Insurance

    (852) 2998 9888

    Service hours:

    Mon to Fri: 9:00am to 5:30pm

    Closed on Saturday, Sunday and Public Holidays

    Medical Insurance

    (852) 2998 9886

    Service hours:

    Mon to Fri: 9:00am to 7:00pm

    Sat: 9:00am to 1:00pm

    Closed on Sunday and Public Holidays

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    Footnote

    Other points to note

    Information Disclosure The above information is intended as a general summary of information and is for reference only. Please refer to the relevant leaflet or factsheet for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Life Insurance Plan, and the policy of the relevant Life Insurance Plan shall be considered as final.

    The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly.

    If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values. All details regarding policy surrender should be referred to the relevant policy provisions.