Products

Glamorous Glow Global Whole Life Insurance Plan

Upgraded to eight choices of policy currencies to support the Currency Exchange Option¹ for your needs to capture global opportunities
Policy Split Option² for your financial needs in different life stages
Provides Change of Insured Option³ for your needs on legacy planning
Provides Survivorship Option⁴

Eternal Fortune Global Whole Life Insurance Plan

Currency Exchange Option^1,2 for your needs to capture global advantages
Policy Split Option³ for flexible asset utilization
Change of Insured Option⁴ & Contingent Insured Option⁵ for your needs on legacy planning
Survivorship Option⁶

MaxiWealth ULife Insurance Plan

Regular interest to provide steady income
Option to withdraw policy value to enjoy flexible financial management
Whole life protection to protect your beloved
Easy and convenient application with no medical examination

Forever Wellbeing Whole Life Plan

Lifelong wealth growth with potential returns
Projected total rate of return up to 4.80%¹ per annum
Focused protection on five types of Critical Illness and Condition
Wealth and protection transferrable

SmartUp Pro Whole Life Plan

Lifelong wealth growth
Whole life protection
Wealth and protection transferrable
No medical examination

Target Savings

Limited Discount

iTarget 3 Years Savings Insurance Plan (Online Application)

Pay just two years premium for three years life protection
Annualized guaranteed rate¹ of return up to 4.30% after 3 years (calculated based on the case with first year USD premium discount² )
Flexible premium payment mode for easier financial management
Combination of savings and life protection

Target 3 Years Insurance Plan

Enjoy three years life protection coverage by paying premiums for just two years
Guaranteed Cash Coupons to build your wealth
Guaranteed return at maturity
Easy and convenient application with no medical examination

Target 5 Years Plus Insurance Plan

Two years contribution period with five years life protection
Guaranteed return at policy maturity
Provide Premium Deposit Account with guaranteed annual interest rate
Easy and convenient application with no medical examination

ReachUp Insurance Plan

Two years premium payment with eight years life protection and three years to breakeven
Potential returns to build your wealth
Survivorship Option to protect your beloved
Easy and convenient application with no medical examination

Legacy Planning

Star Legacy Private Wealth Whole Life Plan

Inheritance by loved ones with wealth appreciation
Specially provides simplified underwriting option¹
Enjoy 6% guaranteed interest rate per annum on prepaid premiums²
Provides whole life insurance protection

Luminous Prime ULife Plan

Comprehensive life protection provides high life insurance coverage and Terminal Illness Benefit
Act as keyman insurance to secure the core of your business
Abundant wealth, a legacy of posterity
Minimum Crediting Interest Rate to provide potential return

Forever Glorious ULife Plan II

Wealth preservation for establishing a lasting legacy
Regular interest to build your wealth
Cash flow liquidity to make your financial management more flexible
Various permium payment periods and policy currencies

Forever Legacy Whole Life Plan

Wealth preservation for generations of prosperity
Enjoy life protection until the Insured's age of 100
Single payment of premium for a carefree life
Comprehensive coverage with Terminal Illness Benefit

Annuity Income

IncomeJoy Lifelong Insurance Plan

Income payable monthly for whole life to satisfy your financial needs^1,2
Guaranteed Cash Value continues to rise while you receive your Monthly Income (Monthly Dividend)^1,2 (non-guaranteed)
Change of Insured Option³
Survivorship Option⁴

BOC Life Deferred Annuity (Lifetime)

Issue Age Range: Age 18-70
Qualifying Deferred Annuity Policy
Lifelong Guaranteed Monthly Annuity Income payable to enjoy care-free retirement
Various premium payment terms and multiple options of policy currency

BOC Life Deferred Annuity (Fixed Term)

Qualifying Deferred Annuity Policy
Enjoy 10 years Guaranteed Monthly Annuity Income upon 5 years premium payment
15 years, 20 years, 25 years and 30 years policy term options to meet your needs
Multiple options of policy currency catering to your financial needs

BOC Life Deferred Annuity (Fixed Term) (Apply via mobile banking)

Monthly payout guaranteed annuity income¹
5 years’ premium payment² for 100% guaranteed annuity income every month in 10 years
Annualized Guaranteed Internal Rate of Return upon policy maturity: Guaranteed 1.73% to 3.30%³
Monthly premium from HK$3,500 only

SmartRetire Annuity Insurance Plan

Guaranteed Monthly Income payable starting from Insured’s age of 65 for carefree retirement
Potential returns for wealth accumulation
Premium Special Arrangement for flexible financial arrangement
Retirement Fund Payout Option to meet your changing retirement needs

Smart Immediate Annuity Plan

Immediate enjoyment of Guaranteed Monthly Income upon single-pay premium for carefree retirement
Lifetime payment of Guaranteed Monthly Income at your choice as lifetime income
Guaranteed Monthly Bonus and potential returns for your wealth accumulation
Lifestage Bonus to accompany different experiences of your life journey

IncomeShine Whole Life Coupon Plan (Simplified Version)

Guaranteed Cash Coupons payable until the Insured's age of 100 to achieve various financial goals with ease
Multiple premium payment period options catering to your financial needs
Potential returns for your wealth accumulation
Life protection to protect your beloved

Medical & Critical Illness Protection

Critical Illness 188 Whole Life Insurance Plan

Provides coverage on 188 types of illnesses
Maximum amount payable in total can be up to 550% of Sum Insured
Waiver of Premium upon death of the Insured’s spouse or parent
Multiple critical illness protection and Continuous Support Benefit

Up to 50% Discount

iProtect 10 Years Insurance Plan (Apply via mobile banking)

Combination of protection plans at your choice: you can choose life protection solely or include additional critical illness coverage
Premium refund option, up to maximum 100% guaranteed premium refund
Guaranteed premium unchanged for 10 years
One-stop self-service online application and claim experience at your fingertips

SmartViva Flexi VHIS

Worldwide protection (any area excluding the U.S.) with a lifetime guaranteed renewal and no Lifetime Benefit Limit
Comprehensive medical protection for you
Flexible deductible options to fit your budget
Other services for additional peace of mind

SmartGuard Critical Illness Plan

Comprehensive critical illness protection covering more than 100 types of illnesses including Major Illnesses, Minor Illness and Juvenile Illnesses
Up to four extra claim payments in aggregate for Cancer, Stroke and Heart Attack
Life protection to protect your beloved
Up to 50% extra protection for the first 10 years

25% Discount

iRefund Hospital Cash Plan (Apply via mobile banking)

10 years' protection plus guaranteed refund of 101% of Total Premiums Paid¹ upon policy maturity, even if claims have been made
Choice of three Daily Hospital Cash Benefit levels
Daily Hospital Cash Benefit coverage of up to 1,000 days for each Disability
24-hour Worldwide Emergency Assistance Services

BestCare-Pro Critical Illness Plan

Comprehensive critical illness protection covering more than 100 types of illnesses including Major Illnesses, Minor Illnesses and Juvenile Illnesses
3 premium payment period options as short as 10 years
Attach with BestCare CI Multiple Claims Rider for up to five extra claims on Major Illness Benefit
Life protection to protect your beloved

BOC Life Standard VHIS

Certified VHIS-compliant plan allowing you to enjoy tax concession
Guarantee renewal up to age 100 for a carefree life
No Lifetime Benefit Limit
Covers Pre-existing Conditions unknown at time of application and congenital disease

Refundable Hospital Cash Plan

10 years' coverage guaranteed refund of 101% of Total Premiums Paid¹ upon policy maturity, even if claims have been made
Choice of three Daily Hospital Cash Benefit levels
Daily premium from HK$17² only
Daily Hospital Cash Benefit coverage of up to 1,000 days³ for each Disability

ProtectU Insurance Plan

Combination of protection plans at your choice: you can choose life protection solely or include additional critical illness coverage
Guaranteed premium unchanged for 10 years

AlongPro Critical Illness Plan (Online Application)

Easy and convenient online application by Credit Card
Premium as low as HK$14¹ per month
Covers Cancer, Stroke and Heart Attack
Provides Death Benefit at the same time to protect your beloved

Life & Personal Accident Protection

CoverU Whole Life Insurance Plan

Provides two different underwriting versions¹ to suit for different customer needs
Simplified underwriting¹ with no medical examination
Guaranteed amount of Death Benefit² up to 300%³ of the Sum Insured at important stage of life
Whole life protection

20% Discount

BOC iMortgage-Linked Term Life Insurance Plan

Innovated with the online mortgage-linked feature
A one-stop solution for applying mortgage-linked term life protection
Provides Total and Permanent Disability Benefit
Provides Conversion Privilege for an extended protection to the family

GoSports Accident Insurance Plan

Comprehensive accident protection
Free protection upgrade due to injury caused by sports accidents
No Claim Discount
Easy and convenient application with no medical examination

Easy-Plug Insurance Plan

Whole life insurance plan designed to be attached with supplementary riders
Flexible premium payment mode
Guaranteed renewal, covering till the termination of all relevant supplementary riders

Term Plan Term Life Insurance Plan

Enjoy life protection with relatively high sum insured by paying affordable premium
Guaranteed renewal up to the Insured's age 75
Convertible to the whole life insurance plan as defined by BOC Life without medical examination
Optional protection - supplementary riders

Wealth Accumulation

Build your reserve with ease and create a better future.

Glamorous Glow Global Whole Life Insurance Plan

Upgraded to eight choices of policy currencies to support the Currency Exchange Option¹ for your needs to capture global opportunities
Policy Split Option² for your financial needs in different life stages
Provides Change of Insured Option³ for your needs on legacy planning
Provides Survivorship Option⁴

Eternal Fortune Global Whole Life Insurance Plan

Currency Exchange Option^1,2 for your needs to capture global advantages
Policy Split Option³ for flexible asset utilization
Change of Insured Option⁴ & Contingent Insured Option⁵ for your needs on legacy planning
Survivorship Option⁶

MaxiWealth ULife Insurance Plan

Regular interest to provide steady income
Option to withdraw policy value to enjoy flexible financial management
Whole life protection to protect your beloved
Easy and convenient application with no medical examination

Forever Wellbeing Whole Life Plan

Lifelong wealth growth with potential returns
Projected total rate of return up to 4.80%¹ per annum
Focused protection on five types of Critical Illness and Condition
Wealth and protection transferrable

SmartUp Pro Whole Life Plan

Lifelong wealth growth
Whole life protection
Wealth and protection transferrable
No medical examination

Target Savings

Set your savings target early and pursue your dreams in different stages of life.

Limited Discount

iTarget 3 Years Savings Insurance Plan (Online Application)

Pay just two years premium for three years life protection
Annualized guaranteed rate¹ of return up to 4.30% after 3 years (calculated based on the case with first year USD premium discount² )
Flexible premium payment mode for easier financial management
Combination of savings and life protection

Target 3 Years Insurance Plan

Enjoy three years life protection coverage by paying premiums for just two years
Guaranteed Cash Coupons to build your wealth
Guaranteed return at maturity
Easy and convenient application with no medical examination

Target 5 Years Plus Insurance Plan

Two years contribution period with five years life protection
Guaranteed return at policy maturity
Provide Premium Deposit Account with guaranteed annual interest rate
Easy and convenient application with no medical examination

ReachUp Insurance Plan

Two years premium payment with eight years life protection and three years to breakeven
Potential returns to build your wealth
Survivorship Option to protect your beloved
Easy and convenient application with no medical examination

Legacy Planning

Build your wealth with flexible planning to pass on to next generations.

Star Legacy Private Wealth Whole Life Plan

Inheritance by loved ones with wealth appreciation
Specially provides simplified underwriting option¹
Enjoy 6% guaranteed interest rate per annum on prepaid premiums²
Provides whole life insurance protection

Luminous Prime ULife Plan

Comprehensive life protection provides high life insurance coverage and Terminal Illness Benefit
Act as keyman insurance to secure the core of your business
Abundant wealth, a legacy of posterity
Minimum Crediting Interest Rate to provide potential return

Forever Glorious ULife Plan II

Wealth preservation for establishing a lasting legacy
Regular interest to build your wealth
Cash flow liquidity to make your financial management more flexible
Various permium payment periods and policy currencies

Forever Legacy Whole Life Plan

Wealth preservation for generations of prosperity
Enjoy life protection until the Insured's age of 100
Single payment of premium for a carefree life
Comprehensive coverage with Terminal Illness Benefit

Annuity Income

Plan ahead to master your own retirement life.

IncomeJoy Lifelong Insurance Plan

Income payable monthly for whole life to satisfy your financial needs^1,2
Guaranteed Cash Value continues to rise while you receive your Monthly Income (Monthly Dividend)^1,2 (non-guaranteed)
Change of Insured Option³
Survivorship Option⁴

BOC Life Deferred Annuity (Lifetime)

Issue Age Range: Age 18-70
Qualifying Deferred Annuity Policy
Lifelong Guaranteed Monthly Annuity Income payable to enjoy care-free retirement
Various premium payment terms and multiple options of policy currency

BOC Life Deferred Annuity (Fixed Term)

Qualifying Deferred Annuity Policy
Enjoy 10 years Guaranteed Monthly Annuity Income upon 5 years premium payment
15 years, 20 years, 25 years and 30 years policy term options to meet your needs
Multiple options of policy currency catering to your financial needs

BOC Life Deferred Annuity (Fixed Term) (Apply via mobile banking)

Monthly payout guaranteed annuity income¹
5 years’ premium payment² for 100% guaranteed annuity income every month in 10 years
Annualized Guaranteed Internal Rate of Return upon policy maturity: Guaranteed 1.73% to 3.30%³
Monthly premium from HK$3,500 only

SmartRetire Annuity Insurance Plan

Guaranteed Monthly Income payable starting from Insured’s age of 65 for carefree retirement
Potential returns for wealth accumulation
Premium Special Arrangement for flexible financial arrangement
Retirement Fund Payout Option to meet your changing retirement needs

Smart Immediate Annuity Plan

Immediate enjoyment of Guaranteed Monthly Income upon single-pay premium for carefree retirement
Lifetime payment of Guaranteed Monthly Income at your choice as lifetime income
Guaranteed Monthly Bonus and potential returns for your wealth accumulation
Lifestage Bonus to accompany different experiences of your life journey

IncomeShine Whole Life Coupon Plan (Simplified Version)

Guaranteed Cash Coupons payable until the Insured's age of 100 to achieve various financial goals with ease
Multiple premium payment period options catering to your financial needs
Potential returns for your wealth accumulation
Life protection to protect your beloved

Medical & Critical Illness Protection

Comprehensive medical and critical illness protection to safeguard your health.

Critical Illness 188 Whole Life Insurance Plan

Provides coverage on 188 types of illnesses
Maximum amount payable in total can be up to 550% of Sum Insured
Waiver of Premium upon death of the Insured’s spouse or parent
Multiple critical illness protection and Continuous Support Benefit

Up to 50% Discount

iProtect 10 Years Insurance Plan (Apply via mobile banking)

Combination of protection plans at your choice: you can choose life protection solely or include additional critical illness coverage
Premium refund option, up to maximum 100% guaranteed premium refund
Guaranteed premium unchanged for 10 years
One-stop self-service online application and claim experience at your fingertips

SmartViva Flexi VHIS

Worldwide protection (any area excluding the U.S.) with a lifetime guaranteed renewal and no Lifetime Benefit Limit
Comprehensive medical protection for you
Flexible deductible options to fit your budget
Other services for additional peace of mind

SmartGuard Critical Illness Plan

Comprehensive critical illness protection covering more than 100 types of illnesses including Major Illnesses, Minor Illness and Juvenile Illnesses
Up to four extra claim payments in aggregate for Cancer, Stroke and Heart Attack
Life protection to protect your beloved
Up to 50% extra protection for the first 10 years

25% Discount

iRefund Hospital Cash Plan (Apply via mobile banking)

10 years' protection plus guaranteed refund of 101% of Total Premiums Paid¹ upon policy maturity, even if claims have been made
Choice of three Daily Hospital Cash Benefit levels
Daily Hospital Cash Benefit coverage of up to 1,000 days for each Disability
24-hour Worldwide Emergency Assistance Services

BestCare-Pro Critical Illness Plan

Comprehensive critical illness protection covering more than 100 types of illnesses including Major Illnesses, Minor Illnesses and Juvenile Illnesses
3 premium payment period options as short as 10 years
Attach with BestCare CI Multiple Claims Rider for up to five extra claims on Major Illness Benefit
Life protection to protect your beloved

BOC Life Standard VHIS

Certified VHIS-compliant plan allowing you to enjoy tax concession
Guarantee renewal up to age 100 for a carefree life
No Lifetime Benefit Limit
Covers Pre-existing Conditions unknown at time of application and congenital disease

Refundable Hospital Cash Plan

10 years' coverage guaranteed refund of 101% of Total Premiums Paid¹ upon policy maturity, even if claims have been made
Choice of three Daily Hospital Cash Benefit levels
Daily premium from HK$17² only
Daily Hospital Cash Benefit coverage of up to 1,000 days³ for each Disability

ProtectU Insurance Plan

Combination of protection plans at your choice: you can choose life protection solely or include additional critical illness coverage
Guaranteed premium unchanged for 10 years

AlongPro Critical Illness Plan (Online Application)

Easy and convenient online application by Credit Card
Premium as low as HK$14¹ per month
Covers Cancer, Stroke and Heart Attack
Provides Death Benefit at the same time to protect your beloved

Life & Personal Accident Protection

Diversified life and accident protection for you and your beloved.

CoverU Whole Life Insurance Plan

Provides two different underwriting versions¹ to suit for different customer needs
Simplified underwriting¹ with no medical examination
Guaranteed amount of Death Benefit² up to 300%³ of the Sum Insured at important stage of life
Whole life protection

20% Discount

BOC iMortgage-Linked Term Life Insurance Plan

Innovated with the online mortgage-linked feature
A one-stop solution for applying mortgage-linked term life protection
Provides Total and Permanent Disability Benefit
Provides Conversion Privilege for an extended protection to the family

GoSports Accident Insurance Plan

Comprehensive accident protection
Free protection upgrade due to injury caused by sports accidents
No Claim Discount
Easy and convenient application with no medical examination

Easy-Plug Insurance Plan

Whole life insurance plan designed to be attached with supplementary riders
Flexible premium payment mode
Guaranteed renewal, covering till the termination of all relevant supplementary riders

Term Plan Term Life Insurance Plan

Enjoy life protection with relatively high sum insured by paying affordable premium
Guaranteed renewal up to the Insured's age 75
Convertible to the whole life insurance plan as defined by BOC Life without medical examination
Optional protection - supplementary riders