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Lifetime Protection Insurance
Carefree protection for you and your loved ones
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Have you taken the steps necessary to ensure that your loved ones can maintain their quality of life, regardless of what the future may hold for you? To secure the continued financial well-being of your family, you need Lifetime Protection Insurance.
Our plan provides effective protection against unforeseen events and offers flexible payment terms to suit your financial situation. What's more, the sooner you enrol in the plan, the greater the financial return will be for you and your family. So why wait? Enrol in a Lifetime Protection Insurance plan now and relax with the knowledge that you have taken a positive step towards securing your family's financial future and happiness.
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Lifetime Protection for Complete Peace of Mind
The plan provides lifetime coverage up to the age of 100. A lump sum amount equal to the Sum Insured plus a Special Dividend1 (if any) will be paid to your designated beneficiary(ies) in the unfortunate event of your death to meet future financial needs. |
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Flexible Premium Payment Terms
You may choose a premium payment period of 5 years or 10 years, or you may opt to pay up to the age of 65, whichever suits you most financially. The premium will remain at the same level throughout the entire premium payment period, so you can manage your finances easily.
| Premium Payment Period |
5 Years |
10 Years |
Up to Age 65 |
| Issue Age |
18-59 |
18-54 |
18-60 |
| Protection Period |
To age 100 |
| Currency |
HK$ / US$ |
Minimum
Annual Premium |
HK$8,000 /
US$1,000 |
HK$4,000 /
US$500 |
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Guaranteed Cash Value
The plan provides a guaranteed cash value, which will steadily grow over the policy term and be payable to you upon surrender of your policy. This means you can enjoy the fruit of your policy, in addition to protecting your family.
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Special Dividend
In addition to a guaranteed cash value, you may also receive a Special Dividend, which increases the return on your policy.
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Customise Your Plan with Optional Benefits2
On top of lifetime coverage, you can further protect your family by selecting from a wide range of optional benefits such as Waiver of Premium Benefit, Yearly Renewable Term Insurance, and Accidental Death and Dismemberment Benefit. Create the best plan to meet the specific needs of your family.
Case Study3
The following case study is based on a 30-year-old non-smoking male with a sum insured of US$62,500:
| Premium Payment Period |
5 Years |
10 Years |
Up to Age 65 |
| Annual Premium |
US$2,678 |
US$1,540 |
US$1,481 |
| Total Premium |
US$13,391 |
US$15,400 |
US$51,844 |
| Total Cash Value at age 65 |
US$78,841 |
US$78,841 |
US$135,899 |
| Total Return* |
589% |
512% |
262% |
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* Based on the total premium paid.
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1. The Special Dividend is not guaranteed and is payable upon death or surrender of the policy.
2. Please contact a BEA Marketing Officer at your nearest BEA branch for the optional benefits available at
the time of application.
3. The figures shown in the case study are for reference only and may differ slightly from other illustration
documents due to rounding differences and the policy currency selected.
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| Our Promise to Protect Your Best Interests |
| Lifetime Protection Insurance is an insurance plan with a savings element. Part of the premium pays for the insurance and related costs. If you are not happy with your policy, you have a right to cancel it within the cooling off period and obtain a refund of any premiums paid. A written notice signed by you should be received by BEA Life Limited at 29/F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kowloon, Hong Kong within the cooling off period (that is, 21 days after the delivery of the policy or issue of a notice (informing you/your representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if you cancel the policy before the end of the term, the projected total cash value may be less than the total premium you have paid. |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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