Both Bowtie Term Life Insurance and the ‘Last Wish Rider’ offer worldwide coverage. However, both the policyholder and the insured person must be residing in Hong Kong at the time of application. The policy will remain in effect whether the insured person moves abroad for a short or long period in the future (except for residing in locations affected by sanctions or war).

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We may charge an additional premium based on the potentially higher risks associated with the insured person's new country of residence. If you prefer not to accept the proposed premium adjustment, you can choose not to renew the policy.

If the insured person is temporarily residing in another country or traveling, working, or studying abroad, no additional premium will be charged. Please inform Bowtie of any change of address for both the policyholder and the insured person. If you have any questions, please contact our Customer Service Department at 3008-8123.