#8
DBS Insurance Term
DBS Insurance Term charges HK$1,410 per year for HK$1,000,000 over 20 years, making it 4% cheaper than the rank 6 Great Eastern Term but 4% pricier than the CIMB Life Coverage. Its key advantage is 24-hour online purchase and instant coverage start, with a 92% claim approval rate measured in 2025. Verified April 2026, DBS website highlights this as a convenient middle-ground for tech-savvy professionals.
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