Own the joyous future with better planning today

The LifeDeluxe Insurance Plan secures the future for you and your loved ones by combining lifelong protection with high potential returns, in addition to special coverage for diabetes, a common chronic disease nowadays. The plan offers two versions, each catering to specific financial planning needs. All in all, it’s an indispensable protection and savings solution for you!

Lifelong Protection for You and Your Loved Ones
Stable Wealth Accumulation
Chronic Disease Management - Coverage for Diabetes
Flexible Funding
Flexible Plan Versions and Premium Payment Terms
Flexible Death Benefit Payment Options
Extra Protections for Total Peace of Mind
  • The plan guarantees protection that lasts for a lifetime
  • In the unfortunate event of the death of the Insured, the death benefit will be paid directly to the designated beneficiary, so that your loved ones do not have to shoulder the financial burden
  • The plan offers a Guaranteed Cash Value and non-guaranteed Annual Dividend and Terminal Bonus
  • Cash Value* = Guaranteed Cash Value + accumulated Annual Dividends and Interest + Terminal Bonus

*The Cash Value will be determined by the premium payment term, the selected plan version, policy duration, policy currency, issue age, and other factors. No Cash Benefit for Diabetes or Benefit for Diabetic Complications paid will be deducted from the Cash Value. Net of policy debt.

  • Currently, there are about 10% of the population suffering from diabetes and more than 20% of people over age 65 are with diabetes*
  • The plan provides qualified Insured^ with diabetic benefits from the policy anniversary following his / her 65th birthday
  • First in HK & Macau#

*Source: Smart Patient website managed by Hong Kong Hospital Authority (May 2022).
^Applicable to a standard rate policy (i.e., a policy without any loadings or additional exclusions) where the Insured takes out the policy between the age of 18 and 60. The Insured shall not suffer from specified conditions (e.g., diabetes, cancer, etc.) when taking out the policy.
#Based on the similar types of plan in the Hong Kong and Macau market, as of the publishing date of this page in July 2022.

  • Annual Dividend – Make withdrawals or leave it to accumulate* in the policy
  • Terminal Bonus Lock-in Option^ – From the 15th policy anniversary onwards, you may convert a portion of the Terminal Bonus into Annual Dividend by exercising the Terminal Bonus Lock-in Option
  • By reducing the Sum Insured#, you may also withdraw Cash Value, without deduction of any diabetic benefits paid. Alternatively, you may get access to cash by taking out a policy loan of up to 90% of the Guaranteed Cash Value

*The interest rate for the accumulation of Annual Dividends is not guaranteed and varies according to the policy currency. The rate will be determined by the Company from time to time.
^After the policy has been in force for 15 years, and within 30 days after each policy anniversary, you may submit a written request to exercise the Terminal Bonus Lock-in Option. The Lock-in Percentage for each conversion cannot be less than 5% and the aggregate Lock-in Percentage cannot exceed 60%. Conversion of the Terminal Bonus cannot be reversed once the lock-in option is exercised, and is subject to prevailing administration rules.
#Reducing the Sum Insured of the policy will reduce the amount of the Guaranteed Cash Value, Annual Dividend, and Terminal Bonus on a pro-rata basis.

  • Two plan versions are available for your selection. Plan Smart provides primary focus on life protection, while Plan Wise focuses more on savings
  • You may also opt for a 5, 10, or 20-year premium-payment term
  • In the unfortunate event that the Insured passes away, the Death Benefit will be provided to the designated beneficiary as specified by the Policy Owner, without the need to wait for completion of probate
  • The Death Benefit payable may be paid to the beneficiary in a lump-sum, or in monthly installments, thus avoiding the complications of setting up a trust
  • Death Benefit* = (100% Sum Insured + accumulated Annual Dividends and Interest + Terminal Bonus) or (Cash Value) (whichever is higher)

*Net of policy debt and the total Cash Benefits for Diabetes and the Benefit for Diabetic Complications paid (if applicable).

  • Guaranteed Insurability Option
  • Special Grace Period for Unemployment
  • Supplementary Benefits: Optional Waiver of Premium Benefit, Critical Illness Benefit, Accident Benefit, Term Life, etc.
Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Age 18-75

Benefit Term
Benefit Term

Whole of life

Premium Payment Term
Premium Payment Term

5 / 10 / 20 Years

Support Document

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