Web Part Error: One of the properties of the Web Part has an incorrect format. Windows SharePoint Services cannot deserialize the Web Part. Check the format of the properties and try again.

Mortgage Protection Plan

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

Buying a property and establishing a new home for you and your loved ones is an important goal in life. While celebrating for having a new home, it is also important that you review your insurance protection needs with the increase in your financial liability. Any mishaps that are beyond your control may occur at any time, you must plan now to protect your loved ones.

What would happen to your loved ones if you were to suffer from any unfortunate events? Would your loved ones be able to keep making the mortgage payments for a long period of time? Mortgage payments may become a huge financial burden to your loved ones. Fidelidade Life understands this is important to you and has specially designed the “Mortgage Protection Plan” (the Plan) to help you protect your home and your loved ones. Let Fidelidade Life help you to plan ahead so you and your loved ones can enjoy peace of mind in your comfortable new home.


Within the coverage period and in the unfortunate event of the death of the insured, or the insured suffers from terminal illness or total permanent disability, the Plan provides a lump sum benefit equivalent to the sum insured, which is used to pay off the mortgage loan. The sum insured will reduce annually based on a pre-determined schedule.


The Plan offers a variety of choices that is highly flexible for your financial planning. 
  • Premium is calculated at inception of the policy based on your age, gender, occupation class, mortgage term, the sum insured, and health conditions.  You can pay the premium either by single lump-sum, annually, or monthly. In case the premium is paid annually or monthly, its amount is fixed throughout the benefit term to help you better manage your finances.
  • You can enjoy more savings on premium for payment by single lump-sum and also an extra 10% premium discount for payment by single lump-sum or annual payment
  • You can settle your premium by BNU credit card for monthly payment.
  • You can continue with the Plan until its original expiry date even after redemption of your mortgage loan. You can continue to enjoy the protection against other liabilities


Age                         :     35
Gender                    :     Male
Mortgage term         :     20 years
Loan Amount           :     MOP1,000,000
Occupation Class    :     1

^With 10% premium discount
*Inclusive of premium savings for payment by single lump-sum and the extra 10% premium discount


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.