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Individual Life Insurance

This insurance product is underwritten by Fidelidade – Insurance Company Limited (Life) and distributed by BNU.

At different stages of life, you may have different goals such as buying a new property, getting married, becoming a parent or setting up a new business. At these moments, you may need to review your insurance protection needs with the increase in financial liability. Any mishaps that are beyond your control may occur at any time, you must plan now to protect your loved ones.

Fidelidade Life understands you will not wish to shift any financial burdens to your loved ones or want to use your savings to pay for it. “Individual Life Insurance” (the Plan) is specially designed to help you protect your loved ones against any financial needs at a relatively affordable cost and with sufficient protection. Let Fidelidade Life helps you to plan ahead so you and your loved ones can enjoy a peace of mind.


In the unfortunate event of the death of the life insured, the Plan provides a lump sum benefit equivalent to the sum insured, which can then be used to help your loved ones to overcome any potential financial needs with ease.


The Plan is designed to provide you with adequate protection at an affordable premium to meet your needs at different stages of life.  For example, a male (non-smoking) aged 30 and in good health can enjoy a life protection of MOP1,000,000 for a monthly premium of less than MOP152.


You can pay the premiums either annually or monthly, whatever that suits your financial planning. The premium is calculated based on your age, gender, smoking status, occupation class, the sum insured and health conditions.
Before reaching the age of 70, you may renew your policy annually regardless of the state of your health. If you renew the policy, the premium will be increased to reflect your age at the time.


With additional premium you can attach supplemental benefits of accidental death, and total and permanent disability.


Anyone aged from 18 to 64 may apply for the Plan. Application is easy. Apply now to give you and your loved ones a peace of mind.

The above information is for reference only.  For a complete description of terms and conditions, please refer to the policy.