MetLife Essential Term

MetLife Essential Term combines global insurer reliability with affordable pricing, at HK$1,400 annually for HK$1,000,000 over 20 years—only 7.7% higher than #2 Prudential Pure Term but backed by a company with 150+ years of claims payment history. Verified April 2026 from the MetLife website, this plan includes a free annual health checkup, a benefit worth nearly HK$300. Its claims approval rate exceeds 98%, significantly outperforming the industry average of 92%. For expats or residents prioritizing stability, MetLife offers than insurance, it offers a 10% discount for multi-year prepayment—cheaper than the typical rival's single-year model. This is the safest choice for long-term coverage.