The ‘Last Wish Rider’ is a rider option offered with Bowtie Term Life Insurance. It provides a one-time payout of HK$300,000 when the insured person is diagnosed with a terminal illness and a doctor certifies that their life expectancy is less than 12 months^. The insured person can use this payout to fulfill their last wishes, with no restrictions on its use.

If, for any reason, the insured person does not or cannot claim this benefit before their passing, the designated beneficiary of the policy will receive a compassionate death benefit of HK$100,000.

^ The Insured must (1) provide a Terminal Illness Certificate signed by a doctor to prove that the Insured is suffering from a terminal illness and is likely to have a life expectancy of less than 12 months, and (2) survive for 14 days or more to be eligible for a lump sum payment of $300,000 for the Last Wish Rider.