Affordable Life Insurance

for South East Asia & beyond

Summary

Life Insurance

Whether you have people who rely on your income or have any liabilites, life insurance protects your beneficiaries from further financial hardship in the event of an untimely passing. Tenzing Pacific Services helps you get it right; from the type of life insurance to the provider and the amount of coverage.

Tenzing Pacific Services
Life Insurance

Key Features

With your life insurance plan, enjoy a range of benefits, click or hover to see more:

Death from All Causes

accidents, illness, disease

policy pays out upon death from all causes including accidents, disease or illnesses

Critical Illness & Disability

add-ons available

get extra coverage for Cancer, Heart Disease and other critical illnesses or total or partial disablement

Global Portability

expats or local citizens

worldwide coverage, take the policy with you if move internationally, including your home country

COVID

coverage and certificate

your policy covers death from covid, get a COVID available should you need one

Pre-existing Conditions

consideration

see if your condition can be included for an additional fee or at no extra charge

Level Premiums

based on age at entry

lock-in your price now for the duration of your term with term life-insurance

Life Insurance

You should consider life insurance if you....

Have someone who relies on your income for their wellbeing
Have a mortgage, loan, debt or other liability
Would like to create and pass down wealth to future generations
Are looking for tax efficient inheritance planning
Are a keyperson in a company
Life Insurance

Affordable Premiums

Lock-in your premiums for the entire duration of your term, which is based on your age at entry.  This means your premium will not increase with age, inflation or changes to your health status. Take the example client below and the monthly premium by age:

shield

$250,000

coverage
speed

Year
Term

united kingdom 1

British National

thailand

Living in Thailand

man

Male

non-smoker
Life Insurance

Our Providers

Over the years, we’ve built relationships with a variety of international life insurance providers. By having options, it allows our advisors to match our clients to a life insurer who best suits thier requirements. These include different types of plans, including:

  • term-life
  • universal life
  • decreasing term
  • joint-life
  • annual life and more

Related Blogs

Our Consultation Process

As part of a greater holistic consulting methodology, your Tenzing advisor will work with you to determine exactly how much life insurance coverage you need based on your assets, liabilities, final costs and your family’s ongoing and future needs. This data-driven approach makes sure you’re neither underinsured or overinsured, allowing for peace of mind should the worst happen. 

Step 1

Needs Analysis

to pinpoint how much you life insurance you need based on your circumstances

Step 2

Source Quotes

from our network of providers that align with your needs

Step 3

Proposal

present options that best suit your needs, including any add-ons or complimentary solutions

Step 4

Get Covered

Applications, supporting documents & coordinate any medical exam, if needed

Leave a legacy with Life Insurance

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Get Life Insurance Quotes

No obligations or added expenses

from $20/month



    Types of Life Insurance

    Term Life Whole Life Universal Life Annual Life

    Term life insurance is the most straightforward type of life insurance, where a policyholder takes out a policy for a fixed duration of time, the term. If the policyholder passes away during hte term, then the insurer will pay out the benefit as specified. Term-life insurance pays out on death from all causes and usually has options to add on disability, criticall illness or higher accident cover. 

    The duration of the term is up to the policyholder and is one contributing factor into the premium in addition to policyholders's age, smoking, gender, sum insured value and health, among other factors. 

    Term life insurance is different from universal, whole life, or permanent life insurance in that it provides coverage only for a specified amount of time. Once the term expires, there is no cash back element, the policy is over. This is why term life insurance is very affordable. 

    Rather than selecting a specific term, with whole life insurance the policyholder is covered for their whole life. This will guarantee to pay the benefit out so long as premiums are paid & the claim is valid. Payments are still made every year, or can be condensed into a 10-year period. There is no cash back/refund element. Premiums are fixed for the duration of the term, based on your age at entry. 

    Universal Life Insurance is usually used to generate wealth. With Universal Life Insurance, you put in a lump sum premium upfront. You're covered for 3x your lump sum. The minimum initial input is $50,000 USD. 

    This is a term life policy, but there is no set term. You just pay the renewal premium every year. Premiums annually will increase with age & inflation. 

    Frequently Asked Questions about

    Life Insurance

    Life insurance is an arrangement between an individual and an insurance company in which the insurer contractually agrees to pay a specified sum to an appointed beneficiary upon the death of the policyholder. When purchasing life insurance, the policyholder typically pays a regular or lump-sum premium to the insurer in exchange for the coverage.

    Life insurance is common around the world and is used as a way for family and loved ones to pay off debts, fund college or university, and provide other essential living expenses when they are needed the most. Life insurance is a routine element of a family’s financial plan.
    Our global coverage provides the best life insurance policy regardless of where one lives, works, or travels. Our benefits are far-reaching and cover death from all causes with additional add-ons for critical illnesses and disabilities.

    We offer competitive and affordable premiums rates that do not increase by year or with inflation. Our services are meant to benefit individuals and families by easing the burden of making important financial decisions without worrying about payment increases or unforeseen costs and fees.

    Tenzing Pacific Services is dedicated to working with you to provide optimal coverage for yourself and your loved ones and will stop at nothing to give you the most comprehensive life insurance policy possible.
    Life insurance costs and premiums are based on a number of factors including age, gender, chosen policy, current health, and lifestyle. For example, policyholders who use tobacco will have higher premiums than those who don’t. As a general rule, older individuals will likely have higher average coverage costs than younger policyholders as life expectancy is factored into the pricing.

    Still, the final price will also depend on the type and length of coverage. Whole life insurance will be costlier due to its finite coverage length, often lasting the duration of the policyholder’s life. On the contrary, individuals can save money with term life insurance, as premiums are paid for only a specific amount of time.

    Ten-Pac life insurance starts for as little as $20 USD per month.
    Straightforward & low cost term life insurance, where a specific term is selected from the onset. The benefit is payable if death occurs during the term selected. This covers death from all causes; Accidents, Illness & Disease.  

    Terms are usually in 5-year increments between 5-35 years. Payments can be annually, quarterly or monthly. If you stop paying the premiums, the policy will void with no refund. Premiums are fixed for the duration of the term, based on your age at entry. Rates will not increase with age of inflation.  

    There are also add-ons for: Critical Illness, Disability & Double Accident Benefit (benefit doubles if death is from accident)
    Life insurance in Vietnam provides coverage all across the globe and protects you and your family no matter where you live, work, or study. Individuals can choose from whole, term, universal, or annual life insurance with plans that can be tailored to include a variety of add-ons and extras including critical illnesses, long-term care, disability, income protection, and additional coverage for accidents and unforeseen illnesses.

    Life insurance purchased in Vietnam covers death from all causes, including accidents and illnesses. Primary and tertiary beneficiaries can be appointed however the policyholder sees fit, with pricing options and premiums to match any budget.

    Still have questions?

    For any inquiries relating to our insurances feel free to speak to us during business hours.

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    Head office address:

    19 Hoang Sa , Ho Chi Minh City , 70000 , Vietnam
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    Call for help:

    +84 028 3821 5367
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    Mail for information:

    Info@ten-pac.com

      Patrik Shore Tenzing Pacific Services

      Patrik Shore

      Senior Advisor
      From Sweden & New Zealand
      7 years' insurance experience
      Joined Tenzing in 2019
      Crim Science
      Speaks English and Swedish

      Speciality:
      - Savings Plans
      - Health Insurance
      - Life Insurance