MassMutual Asia strongly believes that each individual, whether healthy or not, has the right to insurance, and that it is our responsibility to offer an unconditional insurance plan. So…

Bringing you the first of its kind in the market, MassMutual Asia now offers the Guaranteed Acceptance Policy. As well as accepting applications from people in any state of health, and with no health declaration required, only this new plan from MassMutual Asia offers guaranteed protection and a full refund of all premiums paid.

Guaranteed cover of up to HK$1,000,000

No matter what your state of health, and even if you have major problems such as lung cancer, heart disease, or renal failure, we will still guarantee to accept your life insurance application. More importantly, there will be absolutely no exclusions and no additional premiums, making the plan a genuine guaranteed acceptance life insurance policy.

Simple application with no medical examination required

Applying for the Guaranteed Acceptance Policy is quicker and easier than you'd think! There is no need for you to undergo any medical examination, and there is no need to fill in any health questionnaire or to present any health records. All you have to do is sign a straightforward application form. You then enjoy full coverage from the moment the application form and the first premium are received.

Enjoy a full premium refund

On top of this, we guarantee that from the 20th policy year onwards, if you terminate the policy, you will get back 100% of the premiums you have paid. In other words, you do not have to pay a cent towards getting comprehensive life coverage, even if you live to be 100 years old! Even if you terminate the policy on or after the 10th policy year, you can still get back 50% of your premiums!  

1 Starting from the 2nd year of the policy, the death benefit is 75% of premiums paid if the Insured is proven to contract AIDS or its related complex, or HIV, whilst the death benefit is 100% of premiums paid from 20th policy year onwards. 2 Starting from the 2nd year of the policy, the death benefit is guaranteed to be not less than 120% of premiums paid. 3 For semi-annual payment, each premium installment is 0.52 x annual premium amount; for quarterly payment, each premium installment is 0.262 x annual premium.

 
For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: Hong Kong (852) 2533 5555.