Term Life Insurance offers comprehensive protection with a low premium rate

Prevent is always better than cure. To enjoy comprehensive coverage, Bank of Communications sincerely introduces you the term life insurance products, with lower premium for maximum personal protection.

• Stable-Term
  Yearly renewable automatically. The insured can choose to covert to other insurance plan before aged 70 without needing to give any health evidence.

• 6-Year Pay 12-Year Saving Plan
  With annual dividends for each policy anniversary. The insured can choose to withdraw or keep the annual dividends in the policy according to their personal needs.

Stable-Term

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6-Year Pay 12-Year Saving Plan

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For enquiries, please visit any of our branch and sub-branches or call our customer service hotline.

For more details about the products and services of FWD Life Insurance Company (Bermuda) Limited, please click here and visit the "Product Service Area". *

   *    This link brings you to a  third party website. The Bank assumes no liability or control for your use of these links.

1. All policy dividends, the interest rate of accumulated dividend and maturity dividend are non-guaranteed.
2. "Stable-Term" is underwritten by FWD Life Insurance Company (Bermuda) Limited. FWD Life Insurance Company (Bermuda) Limited is solely responsible for all features, policy approval, coverage and benefit payment under the Plan. Bank of Communications Co., Ltd. Hong Kong Branch is an appointed insurance agent of FWD Life Insurance Company (Bermuda) Limited.
3. "6-Year Pay 12-Year Saving Plan" is underwritten by China Life Insurance (Overseas) Co. Ltd. China Life Insurance (Overseas) Co. Ltd is solely responsible for all features, policy approval, coverage and benefit payment under the Plan. Bank of Communications Co., Ltd. Hong Kong Branch is an appointed insurance agent of China Life Insurance (Overseas) Co. Ltd.
4. The above information is for reference and indicates the key features of the insurance plan only. For the complete explanation of the terms and conditions and the exclusions of the insurance plan, please refer to the Policy Provisions. In the event of any discrepancy between the above information and the Policy Provisions, the Policy Provisions shall prevail.
5. The above insurance plan is NOT equivalent to the saving deposit or time deposit of Bank of Communications Co, Ltd. Hong Kong Branch and is NOT protected deposit under the Deposit Protection Scheme in Hong Kong.
6. The age of insured mentioned in "Stable-Term" refers to the age of the insured at the next birthday.

Important Notice:

Applicable to the insurance plan which is underwritten by FWD Life Insurance Company (Bermuda) Limited (“FWD”) 

• The insurance plan is a product of FWD but not Bank of Communications Co., Ltd. Hong Kong Branch (the “Bank”). All benefits payable under the insurance plan are subject to the credit risk of FWD.
• Part of the premium pays for the insurance and related costs. If you surrender your policy in the early policy years or before the end of the policy term, the amount you get back may be considerably less than the total premium you have paid.
• 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly FWD and the customer.
• FWD is authorized and regulated by Office of the Commissioner of Insurance.
• FWD reserves the right to accept or reject any Insurance Application.

For details, please refer to Disclosure of Important Information to Life Insurance Customers.

Applicable to the insurance plan which is underwritten by China Life Insurance (Overseas) Company Limited (“China Life Overseas Company”)

• The insurance plan is a product of China Life Overseas Company but not Bank of Communications Co., Ltd. Hong Kong Branch (the “Bank”). All benefits payable under the insurance plan are subject to the credit risk of China Life Overseas Company.
• Part of the premium pays for the insurance and related costs. If you surrender your policy in the early policy years or before the end of the policy term, the amount you get back may be considerably less than the total premium you have paid.
• 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly China Life Overseas Company and the customer.
• China Life Overseas Company is authorized and regulated by Office of the Commissioner of Insurance.
• China Life Overseas Company reserves the right to accept or reject any Insurance Application.

For details, please refer to Disclosure of Important Information to Life Insurance Customers.