Fubon Term Life Protector

Fubon Term Life ProtectorFubon Term Life Protector (the “Plan” or the “Policy(ies)”) is a yearly renewable pure life insurance plan with no savings element. You can have substantial life protection at an affordable premium. In the unfortunate event of the death of the Insured Person while the Policy is in force, the Plan will provide timely financial support help your family to get through the difficult times.

^*Please be aware of the associated product risks. This insurance plan is underwritten by Fubon Life Insurance (Hong Kong) Company Limited.

Fubon Term Life Protector Limited Time Offer Fubon Term Life Protector Limited Time OfferFrom 1 August 2025 to 30 September 2025, Fubon Credit Card customer successfully enroll in “Fubon Term Life Protector” with Promo Code “FBCTLG” to enjoy the following discount offer (“Premium Discount Offer”): Premium Mode Premium Discount Offer Monthly Mode Initial Premium Discount (applicable for 3-month premium) 75% off Annual Mode Initial Premium Discount (applicable for 12-month premium) 40% off Premium Discount Offer information is provided by Fubon Life Hong Kong. Should there be any enquiries regarding Premium Discount Offer or insurance product, please contact Fubon Life Hong Kong Customer Service Hotline 2516 0133 during office hours. Office hours of Fubon Life Hong Kong customer service hotline: Monday to Friday: 9am to 5:30pm. Premium Discount Offer is subject to terms and conditions as set out below. Fubon Bank (Hong Kong) Limited is not responsible for any matters related to the Premium Discount Offer, related products and services are between you and Fubon Life Hong Kong. Should there be any dispute over the Premium Discount Offer, Fubon Life Hong Kong’s decision shall be final and conclusive. To borrow or not to borrow? Borrow only if you can repay!

Plan highlights:

Plan highlights:

• Affordable Premiums & High Protection
  Fubon Term Life Protector is available for Hong Kong residents aged 18-60, offering you a life insurance with flexible coverage from HK$800,000 to HK$4,000,000*. You can get the protection you need to relieve your family of sudden financial hardship with a low premium. For example, a non-smoking man aged 33 can get HK$1,000,000 life insurance for a monthly payment of only HK$45.
• Simple Plan & Flexible Coverage
  Fubon Term Life Protector is designed to be simple and flexible enough to meet your different financial protection needs. Fubon Term Life Protector is a cost-effective choice for you, whether you wish to plan for basic protection or other financial arrangements, such as preparing for the future of your spouse or children, or securing the repayment of your mortgaged property. In the unfortunate event of the insured's death while the policy is in force, the beneficiary will receive a death benefit of 100% of the sum assured to alleviate any unexpected financial burden.
• Easy to insure
  All you need to do is to apply for the policy online, answer two health questions, no medical examination is required and the process is simple and convenient.
• Guarantee Renewal
  Regardless of the Insured Person's health condition, the plan is guaranteed to be renewed automatically every year until the Insured Person reaches the age of 85, giving you extra peace of mind.

^*The maximum Sum Assured for Insured Person aged between 18-50 is HK$4,000,000 while for Insured Person aged between 51-60, it is HK$2,000,000 (for each Insured Person).

The above is a summary for reference only. For further details, please Click Here。

Terms & Condition of Fubon Term Life Protector Limited Time Offer

General Terms and Conditions

1. The promotional period is from 1 August 2025 to 30 September 2025, both days inclusive (“Promotional Period”).
2. Premium Discount Offer is offered by Fubon Life Insurance (Hong Kong) Company Limited (“Fubon Life Hong Kong”).
3. Fubon Life Hong Kong is the underwriter of “Fubon Term Life Protector” (“Plan”).
4. Offer is only applicable to the principal cardholders and supplementary cardholders of Fubon Visa/ Mastercard Credit Card issued by Fubon Bank (Hong Kong) Limited (the “Bank”) (“Eligible Credit Card”), such holders, “Eligible cardholders”).
5. Premium Discount Offer is applicable to all policyowners who submit their applications for “Fubon Term Life Protector” via the designated link to Fubon Life Hong Kong’s online platform with the Promotional Code “FBCTLG”, and with the required initial premium after discount paid in full using Eligible Credit Card within the Promotional Period and the Policies being approved and issued within 1 month after submission (“Eligible Policy(ies)”).
6. Each application for “Fubon Term Life Protector” policy may only use one promotional code. Once the application is submitted, any change on the promotional code will not be accepted.
7. The policyholder and the payer of the policy premium must be the same individual. Otherwise, the policy application will not be approved.
8. The applicable initial premium for calculating the Premium Discount Offer under different premium modes are set out as below:
   Premium Mode:
   i) Monthly: Applicable initial premium - 3-month premium
   ii) Annual: Applicable initial premium - 12-month premium
9. The 75% premium discount is applicable to the initial premium of the Eligible Policy with monthly premium mode while the 40% premium discount is applicable to the initial premium of the Eligible Policy with annual premium mode.
10. Maturity Benefit and Surrender Benefit will be calculated based on the premium before discount. Please refer to the relevant Product Factsheet for details.
11. Premium Discount Offer is only applicable to Eligible Customers with Hong Kong Identity documents and a Hong Kong residential address.
12. The premium discount is non-transferable and cannot be returned, exchanged for other items or redeemed for cash.
13. If the Policy is cancelled during the Cooling-off Period, Fubon Life Hong Kong will only refund the actual amount of premium paid by the Policyowner. For details of the Cooling-off Period, please refer to the relevant Product Factsheet.
14. Fubon Life Hong Kong reserves the right to change any terms and conditions or withhold the offer of Premium Discount Offer without prior notice.
15. Should there be any dispute over Premium Discount Offer, Fubon Life Hong Kong’s decision shall be final and conclusive.
16. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between Fubon Life Hong Kong and you. Nevertheless, where practicable and appropriate, Fubon Bank (Hong Kong) Limited will provide reasonable assistance to customers in the dispute resolution process.
17. Fubon Life Hong Kong reserves the absolute right to accept or decline any application for the Plan based on the information provided by the Applicant at the time of application.
18. The information on this web page contains general information only. It does not constitute an offer and/or insurance product recommendation. All product information is for reference only. For detailed product features, terms and conditions, key product risks as well as exclusions of the insurance product, please refer to the relevant Product Factsheet and Policy Provisions.
19. The information on this web page is for publishing in Hong Kong only and is intended for persons located in Hong Kong only and not intended for persons located in jurisdictions which restrict the distribution of information by Fubon Life Hong Kong. In any event, the information on this web page shall not be construed as an offer to sell or solicitation to buy or provision of any insurance of Fubon Life Hong Kong outside Hong Kong.
20. Fubon Life Hong Kong is authorized by the Insurance Authority to carry out long-term insurance business in Hong Kong. Fubon Life Hong Kong is a private company limited by shares incorporated and registered in Hong Kong and its registered office is situated at Suites 701 – 705, 7/F, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong.

Important Note:
Fubon Bank (Hong Kong) Limited is not a provider of insurance products and services, and is not responsible for any matter of the Promotion, relevant insurance products and services.

To borrow or not to borrow? Borrow only if you can repay!