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eFamilyPro is a term life insurance plan with no savings element underwritten by Hang Seng Insurance. It provides the Life Insured with a lump-sum death benefit up to HKD3,000,000, which can cover living expenses when unfortunate strikes. Application is easy - simply submit your application online. Apply at a younger age and enjoy lower premiums.
Upon the unfortunate passing away of the Life Insured, the beneficiary(ies) will receive the total Death Benefit to help them getting through difficult times.
If the Life Insured is certified with a medical condition by a registered doctor to be reasonably to result in death of the insured within twelve months, a lump sum amount equals to the Death Benefit is paid out in advance.
During the policy period, the Plan covers up to age 80 regardless of the Life Insured’s health status. Before the Life Insured’s age reaches 60*, the policy may be converted to a new whole of life or endowment policy, without the need of medical underwriting requirements.
The monthly premium is fixed for the first 10 years and will be adjusted every 10 years.
There are 4 choices of Sum Insured# – HKD500,000, HKD1,000,000, HKD2,000,000 or HKD3,000,000 to suit various family needs
eFamilyPro Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorized by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. 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 Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng 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 Company Limited and you directly.
The above information is intended as a general summary of information for reference only. 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 Company Limited. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.