Comprehensive Life Insurance and Saving Plan | Buy Online

MyTerm Plus Term Life Insurance Plan

Sum Insured up to HK$8 million¹, guaranteed renewable up to age 100 (age next birthday)²
Top up your coverage without underwriting at different life milestones³
Up to 300% of Sum Insured of death and additional accidental related benefits with Superior version

Important Notes

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Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

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MyTerm Term Life Insurance Plan

100% of the sum insured if you lose your life
Evolve with your family’s growth

Important Notes

x

Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

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MaxFocus Legacy Insurance Plan

10Life 5-Star Savings Insurance Award*
Dual bonus for achieving potential wealth growth
Divide your policy into multiple policies for contingent insureds in advance including specifying the sequence of succession
Cash withdrawals for enhanced financial flexibility
Premium payment option – 5 years, 10 years or 18 years

* MaxFocus Legacy Insurance Plan has achieved 5-Star Savings Insurance Award (Education, Retirement and Legacy) in 10Life 5-Star Insurance Award 2025 (As of 6 January 2025).

Important Notes

x

Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

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RetireFun Deferred Annuity Plan

Offer guaranteed monthly annuity payments and non-guaranteed annuity payments. Start receiving income from the plan from as early as age 51. You also have the option to cash-in at age 66 or once all premiums have been paid
Enjoy a tax deduction of up to HK$60,000 per tax assessment year
flexible options for premium payment terms as well as the annuity start age and annuity period (10 or 20 years)

Important Notes

x

Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

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Life Gala Insurance Plan

Provides a death benefit with potential appreciation from non-guaranteed annual dividend and special bonus
Expandable coverage to empower your life journey
Extended grace period for added short-term financial relief

Important Notes

x

Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

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Noble Term

Provides death benefit to the loved ones at your choice
Guaranteed renewal with competitive premiums
Get whole life cover

Important Notes

x

Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

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Basic Plus II

Earn potential interest and bonuses
You decide when to top-up or withdraw
Designed for customisation

Important Notes

x

Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

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Wealth ICON Supreme III Insurance Plan

Convenience of one-time payment for a lifetime of potential returns
You decide how you withdraw
Legacy for many lifetimes

Important Notes

x

Important Notes

The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services.
The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency.
Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable)), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life.
The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy. 
HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
Insurance products are products and obligations of FWD Life and not of HKTIA.
Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life.
All insurance applications are subject to FWD Life’s underwriting and acceptance.
FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product.
HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
In case of any inconsistency between the English and Chinese versions, the English version shall prevail.

Contact Us

We are always here to serve you. For all enquiries and feedback related to insurance, please contact us through the channels below:

Customer Service Hotline: 8209 0098
Mon – Fri 9:00 am – 6:00 pm (except public holidays)

Email:
cs.clubcare@pccw.com

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Important Notes

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