1. Please click here for the Terms and Conditions for eFamilyPro Life Insurance Plan 5-month Premium Waiver Offer in the first policy year.
2. The actual time required maybe affected by various factors, including the internet environment, device, etc.
3. Calculation of the premium is based on a 25-year-old male non-smoker with a Sum Insured of HKD500,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
4. The maximum aggregate sum insured that each life insured could apply for eFamilyPro Life Insurance Plan is HKD8,000,000 for insured who is aged 50 or below and HKD 3,500,000 for insured who is aged above 50.
5. Age at last birthday.
6. The promotion period is from 1 July 2026 to 30 September 2026. Please click here for the Terms and Conditions of Extra +FUN Dollars / yuu Points Offer, to which the promotion is subject. Please note relevant product risks.
7. eIncomePro Deferred Annuity Plan (100% Guaranteed) is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy ("QDAP"). However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Nothing in this document shall be construed as tax or legal advice given by Hang Seng Bank or Hang Seng Insurance. Please note that the amount of net premium due, paid and qualified for tax deduction purpose does not include levy and is after deducting any marketing offers (e.g. premium discount, premium waiver, and extra credit card reward points (including +FUN Dollars, yuu Points, and other gift and reward with similar nature) under tactical programs), and the actual tax benefits of this policy would depend on personal tax position (e.g. salaries income and assessable profits). You should always consult with a professional tax advisor if you have any doubts. For +FUN Dollars / yuu Points received from applying for the QDAP, the conversion rates of “each $1 +FUN Dollar represents HKD1 and each yuu Point represents HKD0.005” will be applied for the calculation of deduction, and will be reflected in the annual summary of QDAP. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. Hang Seng Bank and Hang Seng Insurance have no responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAPs may be found at .
8. Monthly Guaranteed Annuity Income is payable on each monthiversary starting from the commencement date of the Annuity Period⁽⁹⁾. The Monthly Guaranteed Annuity Income will be directly deposited into the designated Hang Seng Bank saving account.
9. Annuity Period refers to the period during which Monthly Guaranteed Annuity Income is payable. The Annuity Period of "eIncomePro" is 10 years.
10. IRR depends on your chosen accumulation period and payment mode.
11. Assumptions:
    • You are a Hong Kong taxpayer having income chargeable to tax;
    • Qualifying deferred annuity premiums of HKD60,000 are paid by you in a tax assessment year;
    • You do not have any other tax deductible MPF voluntary contributions account during the tax assessment year;
    • The maximum total tax deductions for qualifying deferred annuity premiums and tax deductible MPF voluntary contributions for each taxpayer for the applicable tax assessment year is HKD60,000;
    • The highest rate of the progressive tax rate applicable to the taxpayer is 17%
12. This annualised guaranteed rate of return is calculated based on the USD plan. Terms and conditions apply. Limited Quota apply.
13. The calculation of the annualised guaranteed rate of return is based on premium discount and your selected on premium option. This amount is for reference only and levy is not included.
14. QuickReward Endowment Life Insurance Plan (1-Year) (“QuickReward” or “the Plan”) is a product with limited quota. “Hang Seng Insurance” reserves the right to stop online applications of the Plan without prior notice and the right to accept or decline any applications for the Plan based on the information provided by the Life Insured and / or Policyholder during online enrolment.
15. You may apply online for more than 1 Hang Seng Insurance’s QuickReward Endowment Life Insurance Plan (1-Year) policy. Yet QuickReward offers limited quota.
16. In the unfortunate event of the death of the Life Insured while the Policy is in force, the beneficiary(ies) will receive a lump-sum payment of Death Benefit equals to 101% of the Total Premium Paid for the Basic Plan as at the date of the death of the Life Insured.
17. In the unfortunate event of the accidental death of the Life Insured before the end of the policy term, in addition to the above Death Benefit, the beneficiary(ies) will receive the Accidental Death Benefit, which equals to 10% of the Total Premium Paid under the Basic Plan.
18. This is the return rate in USD annual payment mode with first year premium discount included.
19. The Choice 5-Year Life Insurance Plan (Online Version) (the "Plan") is limited offer only. "Hang Seng Insurance" reserves the right to stop online applications for the Plan without prior notice. "Hang Seng Insurance" reserves the right to accept or decline any application for the Plan based on the information provided by the Life Insured and / or Policyholder during online enrolment.
20. Calculation of the premium is based on a 35-year-old female non-smoker with a Sum Insured of HKD5,000,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
21. CouponPower will provide Monthly Guaranteed Income on every Monthiversary starting from the 2nd Monthiversary of the policy term until policy maturity (i.e. 10th Policy Anniversary).
22. If the Life Insured is diagnosed with breast or lung cancer by a registered doctor, he/she will receive a lump sum payout for the designated cancer benefit. If the Life Insured is diagnosed by a Registered Doctor as suffering from Cancer or Carcinoma-in-situ in mainland China (excluding the Hong Kong SAR, the Macau SAR and Taiwan), Hang Seng Insurance will only pay the Designated Cancer Benefit under this Policy if the Cancer or Carcinoma-in-situ is diagnosed by a Registered Doctor in a hospital that is formally assessed and rated by the National Health Commission of the People’s Republic of China or local governments’ health commissions of the People’s Republic of China as a “Class III Grade A” hospital or above. Notwithstanding that, in case the Life Insured suffers from more than one Cancer or Carcinoma-in-situ, this Supplementary Benefit will only be paid once in respect of the Life Insured under each Policy. In no event shall Hang Seng Insurance pay both the Death Benefit and Designated Cancer Benefit at the same time under this Policy.
23. Accidental Death Benefit will be automatically terminated (i) when such Accidental Death Benefit is paid out, or (ii) on the date the Policy of Basic Plan lapses, terminates, expires, becomes void, is cancelled or is surrendered, or (iii) on the Benefit Cessation Date of this Supplementary Benefit (whichever is the earliest).
24. This annualised guaranteed rate of return is subject to payment mode, policy currency and premium discount.
25. Unemployment Benefit is only applicable to individuals who hold a valid Hong Kong Identity Card. To be eligible to claim this Benefit, the Policyholder should be unemployed for at least 30 consecutive days and be qualified for payment of severance benefits under the Employment Ordinance of the Hong Kong Special Administrative Region. Unemployment Benefit will be automatically terminated when (i) the Policyholder’s Insurance Age⁽²⁶⁾ reaches 65, or (ii) the end of the payment term, or (iii) on the date the Policy of basic plan lapses, terminates, expires, becomes void, is surrender or cancelled (whichever is the earliest). Please refer to the policy provisions for the exceptions and full details and conditions.
26. Insurance Age means, at any date, the age of the Life Insured or Policyholder (if applicable) on the most recent birthday prior to the Policy Date plus the number of completed Policy Years. If the Life Insured’s or Policyholder’s (if applicable) birthday is on the Policy Date, it will be calculated based on the age on such Policy Date.
27. You can receive a Monthly Guaranteed Annuity Income starting from the 2nd Monthiversary of the policy term until policy maturity (i.e. 10th, 15th or 20th Policy Anniversary) of the Basic Plan. The Monthly Guaranteed Annuity Income will be proportionally reduced in case the Policy has been partially surrendered. We will make all Monthly Guaranteed Annuity Income payments under this Policy in the Settlement Currency. “Settlement Currency” means the currency in which all payments from Hang Seng Insurance shall be made, which is set at Policy Currency, or you may indicate to us in writing if you prefer Hong Kong Dollars. However, Hang Seng Insurance has the final discretion in determining which currency applies. If the Policyholder surrenders the Policy after the cooling-off period and when the Policy is in force, 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 details. If the Policyholder surrenders the Policy within the policy term, the surrender proceeds payable to the Policyholder will be an amount equal to the Guaranteed Cash Value minus indebtedness (if any) as at the date of the surrender request. You may request to partially surrender this Policy by reducing the Monthly Guaranteed Annuity Income. Upon partial surrender, the Total Premiums Paid, Guaranteed Cash Value, and Death Benefit calculated according to the terms of this Policy will be adjusted accordingly. Total Premiums Paid is the total amount of premiums due and paid for the Basic Plan. “Annuity Period” means the period starting from the 2nd Monthiversary until the Benefit Cessation Date of the Basic Plan.
28. This internal rate of return is subject to your chosen policy term and the discounted (if applicable) premium amount.
29. Your beneficiaries will receive the higher of: 101% of the Total Premiums Paid (minus the aggregate amount of Monthly Guaranteed Annuity Income you've already received); or 101% of the Guaranteed Cash Value. Any outstanding debt at the date of death of the Life Insured will be deducted from the final payout. Total Premiums Paid is the total amount of premiums due and paid for the Basic Plan. Please note that to receive the remaining annuity income as monthly income, the Policyholder must provide written instructions, which Hang Seng Insurance must accept and record while the Life Insured is alive. The beneficiaries can't change the Death Benefit payout instruction set by the Policyholder, and they can't surrender the policy.
30. Please note that, due to the system’s premium calculation settings, the preferred premium amount you enter may differ from the actual premium payable.

Disclaimer
Source: 10Life Insurance Comparison Platform. eIncomePro Deferred Annuity Plan (100% Guaranteed) has achieved a 5-Star QDAP Award (Savings) in the 10Life 5-Star Insurance Award 2026 (As of 2 January 2026). Please click here for details.For more details, please visit www.10life.com.

This rating is extracted from 10Life.com and 10Life APP. For the rating evaluation method and assumptions used, please refer to its website. The score information is for reference only, it should not be considered and constitute as any endorsement or recommendations of any website or platform by Hang Seng Bank, or any recommendation, solicitation or purchase invitation of any products or services.

Information Disclosure
The above information is a product summary of information for reference only. These life insurance plans ("Plans") are intended only for sale in the Hong Kong SAR. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance. Please refer to the relevant leaflet, factsheet or product brochure for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Plan, and the policy of the relevant Plan shall be considered as final.

The Plans are underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Hang Seng Insurance is authorised and regulated by the Insurance Authority of the Hong Kong SAR. The Bank is an insurance agency authorised by Hang Seng Insurance, and the insurance products are products of Hang Seng Insurance but not the Bank. Upon application for any of these Plans, insurance premium will be payable to Hang Seng Insurance, and Hang Seng Insurance will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of the Plan. The existing staff remuneration policy on sales offered by the Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. 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 you out of the selling process or processing of the related insurance product transaction, the 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 and you directly. Policyholders are subject to the credit risk of Hang Seng Insurance and early surrender loss. Terms and conditions apply. Please note the relevant product risks.

If policyholders 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 these plans for the projected surrender values. All details regarding policy surrender should be referred to the relevant policy provisions.