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‘Guaranteed return up to 2.5% p.a.’refers to the Internal Rate of Return (IRR) of the policy at the end of the 3rd policy year (maturity), assuming no partial or full surrender has been made. This insurance product is a long-term insurance plan underwritten by ZA Life Limited (business name as ZA Insure) and is neither a bank deposit nor a bank savings plan. Policyholders are subject to ZA Insure’s credit risk. Please refer to product brochure for the features and the policy provisions for the detailed terms and conditions.
Insurance with good value for money in Hong Kong
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Insurance products are underwritten by ZA Life Limited (with business name as ZA Insure) which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. ZA Bank Limited (with business name as ZA Bank) is a licensed insurance agency (license number GA1009) authorised by ZA Insure. All insurance applications are subject to ZA Insure’s underwriting and acceptance. Please refer to the Product Brochure for detailed product features and provisions issued by ZA Insure for detailed terms and conditions. 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 ZA Bank Limited and you out of the selling process or processing of the related transaction, ZA Bank Limited will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the product should be resolved directly between ZA Insure and you. ZA Insure would provide ZA Bank commission as remuneration for distribution of the products. Should you have any enquiries on the insurance products, you may contact ZA Insure Customer Service Hotline at +852 3665 3636.  refers to 5-year and 10-year of ZA Life Protection for applicants aged between 28 and 65 with the comparison to term life insurance products in the market; ‘Good value for money’ refers to the best cost performance ratio in Hong Kong, and it’s based on a market survey on term life insurance products conducted on 21 April 2021.  Cost Performance Ratio = Sum Insured / Annual Premium  The whole application time may vary. In general, with adequate information prepared, the policy can be issued within 3 minutes.