SmartJoy Term Life Plan - 10-Year
Affordable Premium + Life Insurance + Accidental Death Benefit + Loyalty Bonus
In this ever-changing world, CIGNA understands your needs to provide steadfast protection for your family. To help you and your family prepare for the unpredictable future, CIGNA's SmartJoy Term Life Plan - 10-Year provides you with total peace of mind with daily premium as lowas HK$3.5*.
In addition to life insurance, the plan also covers accidental death in common carrier as well as temporarily waive your premium payment in times of unemployment. As a loyalty customer, you will be rewarded a Loyalty Bonus up to HK$6,000 at the end of every 10 policy years.
Call us at (852) 8107 0783 to find out more!
SmartJoy Term Life Plan - 10-Year provides you with:
- Comprehensive Protection at Low Cost - This plan gives you the essential protection at an affordable premium. Get your quote now with the form at the right column.
- Death and Additional Accidental Death Benefits in a Common Carrier - In the event the person insured unfortunately dies during the policy term, the beneficiary will receive a lump sum of up to HK$1,200,000 for immediate release of financial burden. In the event of death in any accident whilst traveling as a fare-paying passenger occupying a Common Carrier, benefit will be doubled to up to HK$2,400,000.
- Unemployment Benefit - To give you extra peace-of-mind, up to 6 months premium will be waived while you can still enjoy full coverage under this plan in the unfortunate event of involuntary unemployment of the policyholder during the 1st policy year.
- Loyalty Bonus - A lump sum cash bonus will be rewarded at the end of the 10th policy year and every 10 years thereafter if the policy is renewed subsequently.
Coverage Details
| Issue Age |
Age 18 to 45: Level 1 to 3; Age 46 to 55: Level 1 & 2 |
| Policy Term |
10 Years, renewable up to age 65# |
| Death Benefit |
Coverage up to HK$1,200,000 will be paid if the person insured unfortunately dies. |
| Additional Accidental Death Benefit in a Common Carrier |
Additional benefit up to HK$1,200,000 will be paid if the person insured dies due to an accident whilst traveling as a fare-paying passenger occupying a Common Carrier. |
| Unemployment Benefit |
Up to 6 months premium will be waived in the unfortunate event of involuntary unemployment of the policyholder during the 1st policy year, while the protection coverage will remain the same. |
| Loyalty Bonus |
Up to HK$6,000 cash bonus will be awarded at the end of every 10 policy years. |
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Premium and Coverage Amount:
| Benefit |
Plan Level 1
(HKD) |
Plan Level 2
(HKD) |
Plan Level 3
(HKD) |
| Death Benefit |
400,000 |
800,000 |
1,200,000 |
Additional Accidental Death Benefit
in a Common Carrier |
400,000 |
800,000 |
1,200,000 |
| Loyalty Bonus |
2,000 |
4,000 |
6,000 |
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