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Insurance & MPF > Life Insurance > EmbraceLife Insurance Plan
EmbraceLife Insurance Plan
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EmbraceLife Insurance Plan provides enhanced lifetime protection and a comprehensive range of supplemental benefits, supplemented with non-guaranteed annual and terminal dividends to ensure a future of comfort and security for you and your loved ones.

Remark: Please refer to the product leaflet for detailed terms and conditions and exclusions. And please refer to the Notes on Participating Policy for details of dividend philosophy, investment strategy and historical fulfilment ratio of dividend distribution.

  • Peace of mind with lifelong protection
    The Plan offers life protection lasting until age 99 of the Life Insured. If the Life Insured should pass away before age 65, the beneficiary(ies) will receive a Death Benefit of up to 150% of the Sum Assured of the basic plan.
  • Terminal Dividend bolsters your returns
    In the event of policy termination, the Plan will pay a non-guaranteed Terminal Dividend to your policy, bolstering your potential returns.
  • Flexible premium payment period to suit your financial plans
    For added financial flexibility, the Plan offers a choice of premium payment periods – 5 years, 10 years or 15 years.
  • Quick and Easy application
    With Preferential Underwriting Procedure(11), applying for EmbraceLife is simple. Provided that the Life Insured and/or the Policyholder both fulfil the application requirements of the Plan (including Insurance Age(3)), medical examinations or health declarations are not required, making it easy for you to secure the protection you need.
  • Supplemental Benefits
    Supplemental benefits included with the basic plan:
    • Waiver of Premium Benefit
    • Payor’s Benefit
    • Unemployment Benefit
    • Terminal Illness Benefit
    • Accidental Death Benefit
    • Additional Term Life Benefit
Hotline Information
Application Hotline:
  • Life Insurance: (852) 2198 7838
  • Refundable Life Insurance: (852) 2998 8080
  • General Insurance: (852) 2998 9888
  • Medical Insurance (Bupa): (852) 2998 9886

Policy Enquiry Hotline:
  • Life Insurance: (852) 2596 6262
  • Travelsure, Home Care & other General Insurance (QBE): (852) 2828 3138
  • Medical Insurance (Bupa - Essential): (852) 2517 5588
  • Medical Insurance (Bupa - Excel / Global Supreme): (852) 2517 5688
Important Notes

EmbraceLife Insurance Plan is underwritten by Hang Seng Insurance Company Limited, which is authorised and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the product is a product of Hang Seng Insurance Company Limited, 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 only. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.

You understand that this Plan is underwritten by Hang Seng Insurance Company Limited. You have to pay premium to Hang Seng Insurance Company Limited for your application for this Plan. The premium includes various fees and charges such as insurance cost (e.g. cost of death benefit determined formulated according to the mortality rate that is affected by sex and age of the insured person) and policy administration charges, etc. You also understand that Hang Seng Insurance Company Limited will pay commissions and sales incentives to “Hang Seng Bank” for marketing this Plan. The current remuneration system that “Hang Seng Bank” adopts is a measurement of the staff’s overall performance instead of focusing on sales production only.