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Life Insurance

Starting a Family

With rising education and living costs, nurturing the next generation may require a signficant amount of money. As a smart parent, you can plan ahead to ensure you have the funds to provide your children with the best living environment and educational opportunities possible.


The life insurance plan is underwritten by Hong Kong Life Insurance Limited ("Hong Kong Life"). Hong Kong Life is authorized and regulated by the Insurance Authority to carry on long term business in the Hong Kong Special Administrative Region.

Shanghai Commercial Bank Limited ("The Bank") is the Appointed Insurance Agency of Hong Kong Life, and the life insurance product is a product of Hong Kong Life but not the Bank. Hong Kong Life reserves the right to decide at its sole discretion to accept or decline any application of the life insurance plan.

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 the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the life insurance product should be resolved between Hong Kong Life and the customer directly. Clients should refer to the policy, proposal and other offering documents of Hong Kong Life's life insurance plans for relevant product information, content, terms and conditions.

Information on this website is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any life insurance product of Hong Kong Life outside Hong Kong. Information on this website does not mention any coverage, exclusions, risk disclosure, content nor terms and conditions of the life insurance product. Clients should read, fully understand and accept the coverage, exclusions, risk disclosure, content, terms and conditions of the policies and proposals before applying for any life insurance product.

For more information, please visit Hong Kong Life.

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