Group Term Life Insurance
For employees, knowing their family will be taken care of is one of the most valued benefits a company can provide. Group Term Life Insurance offers a lump-sum payout to a designated beneficiary if an employee passes away or becomes permanently disabled. This policy demonstrates your organisation’s commitment to long-term employee wellbeing — helping to build loyalty, trust, and peace of mind.
At Expat Insurance Hong Kong, we design tailored life insurance programs that meet both employer objectives and employee expectations. From small firms to multinational corporations, we make it simple to deliver protection that truly matters.
Why Work With Expat Insurance?
Responsible Coverage. Human Support. Proven Experience.
Term life insurance can be confusing — coverage limits, exclusions, and benefits all vary. We make it simple and transparent for both HR and employees.
We start with your organisation’s goals.
We align benefits with your company’s budget, structure, and headcount.
We design flexible tiers.
We tailor plans for different employee levels and family situations.
We handle implementation.
We manage policy setup, enrolment, and beneficiary documentation.
We provide personal service.
We assist with claims, renewals, and ongoing employee education.
Why Choose Group Term Life Insurance?
Life insurance is more than a corporate benefit — it’s a promise of support. Providing coverage for your staff’s families strengthens your employee value proposition and reinforces your reputation as a responsible, caring employer.
What Does Group Term Life Insurance Include?
- Permanent disability benefits
- Lump-sum payout in the event of employee death
- Optional coverage for critical illness or total incapacity
- Flexible benefit levels (e.g., one to four times annual salary)
- Low-cost, high-value premiums for employer groups
- Worldwide protection for expatriate and local staff
Payouts can be used to cover mortgages, dependants’ education, debts, or funeral costs, providing real financial relief during a difficult time. Employers can also offer staff the option to top up their coverage, giving them the freedom to enhance personal protection beyond the group plan.
Possible Pitfalls We Help You Avoid
Low default coverage: Many group plans only provide minimal sums. We ensure meaningful benefit levels.
No disability protection: We integrate accident and permanent disability benefits into the policy.
Lack of portability: We help structure plans that remain valid during transfers or regional assignments.
No coverage for critical illnesses: Some plans overlook life-threatening conditions. We include critical illness benefits for stronger financial security.
Slow claim resolution: We oversee the process to ensure timely, fair settlements for families.
These are the details that matter most in real life — and they’re exactly what we handle best. With Expat Insurance, your company offers protection that employees can truly count on.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group
Flexible group plans can help promote well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Provides financial security and peace of mind for your family, helping them stay stable and avoid added stress if the unexpected occurs.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These situations occur daily in Hong Kong, not as rare incidents, where one hospital admission or illness can trigger serious financial stress. The difference lies in having the right insurance protection.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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