Protect your insurability with China Life Term Guardian Plus, because it has OPAI – Option to purchase additional insurance, and a conversion privilege – convert this term plan to other life insurance plans. These 2 features are what I look for in term plans. Term plans are not permanent coverage and when they expire, let us face it, we will likely not be as insurable at a senior age.

This is a non-participating regular premium term insurance plan that provides financial protection in the events stated. Another stand out that caught my eye is the possibility to cover total and permanent disability till age 85. I come across 75 but 85 is another decade!

Some things to note. This post will get dated. And the product might not be available for new subscriptions at some point. Hopefully this serves as reference for future policyholders who have forgotten what they have taken up.