Updated September 28, 2026 · SumCue Editorial Team
10Life vs 123Seguro
10Life
123Seguro
Higher score in this comparison
What sets them apart
| Compare | 10LifeReviewSee alternativesSee alternatives | 123SeguroReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, Life | Auto, Home, Life, Health, Breakdown |
| Provider type | Comparison site | Broker |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Online claims form, WhatsApp, Self service portal, Phone, Free legal advice |
| Age range | Not confirmed | Adults only, minors not accepted |
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Key differences
- 123Seguro scores higher overall: 9.0 vs 8.7.
- Founded is lower at 123Seguro: 2010 vs 2017.
- 123Seguro is available in 4 more countries.
- Insurance types: only 10Life offers Travel, Critical illness.
- Insurance types: only 123Seguro offers Auto, Breakdown.
- Claims channels: only 10Life offers Independent claims team, Email.
- Claims channels: only 123Seguro offers Online claims form, Self service portal, Free legal advice.
Our verdict on each
10Life
10Life is a comparison site built for expats in Hong Kong, letting readers weigh travel, home, health, critical illness and life policies side by side. It holds an Insurance Authority licence under FB1526, and each quote comes from the insurer being compared rather than from one house provider.
123Seguro
123Seguro suits Argentine households that want several personal policies arranged through one broker instead of separate insurers. It has been placing cover since 2010, covers auto, home and life, and holds a licence from the Superintendencia de Seguros de la Nacion in Argentina.
Score breakdown
| Area | 10Life | 123Seguro |
|---|---|---|
| Offer | 9.5 | 9.6Higher |
| Trust | 8.2 | 8.7Higher |
How they place
| Ranking | 10Life | 123Seguro |
|---|---|---|
| Insurance | 411 of 627 | 261 of 627 |
| Life insurance | 185 of 238 | 128 of 238 |
| Health insurance | 151 of 200 | 97 of 200 |
| Home insurance | 197 of 258 | 131 of 258 |
Every fact side by side
| Fact | 10Life | 123Seguro |
|---|---|---|
| Audience | Expats | Not confirmed |
| Legal entity | 10Life Financial Limited | EURO SECURITY S.A. (CUIT 30-70805926-5) |
| Headquarters | Hong Kong | Argentina |
| Founded | 2017 | 2010Lower |
| Support channels | Email, Chat, Phone, Help centre | Chat, Email, Phone, Help centre |
Pros and cons
10Life
Pros
- Range covers travel, home, health, critical illness and life, set out in travel, home and health.
- Support runs on email, chat and phone, so phone, chat, email and the help centre are open.
- Claims go to an independent claims team on phone, email or WhatsApp (independent claims team, phone and email).
Cons
- As a comparison site, the policy contract sits with the insurer behind each quote rather than the site.
- Auto, pet and gadget risks are not among its travel, home and health, so those quotes end elsewhere.
- The stated audience is expats, so the panel is aimed at a narrower group than all residents.
123Seguro
Pros
- Cover runs across auto, home and life, so several lines can sit under one login.
- Claims can start in online claims form, WhatsApp and self service portal, including phone, WhatsApp and free legal advice on motor claims.
- The operating company EURO SECURITY S.A. has been broking since 2010 and is licensed by the Superintendencia de Seguros de la Nacion in Argentina under 798.
Cons
- Support runs on chat, email and phone only, with chat, email, a phone line and a help centre as the whole range.
- The catalogue is auto, home and life, so a traveller wanting a holiday policy in the same basket has to look at another provider.
- Cost is set per quote, and premiums across this comparison group reach €3,431.08 at the top end, so the discount depends on the case.
Who each suits
10Life
Who it suits
- Expats in Hong Kong weighing travel, health, home, critical illness and life cover in travel, home and health.
- People who want a named contact on a claim, since independent claims team, phone and email lists an independent claims team.
- Readers who prefer several providers at once, which is what a comparison site is built to show.
Who should look elsewhere
- Life cover from a single provider: Linxea lists life on its own.
- Auto and gadget cover in a Spanish market: Oney Préstamos ES lists health, life and gadget.
- Auto risks alongside home and travel: EuroAsia Insurance lists auto, home and travel.
123Seguro
Who it suits
- Argentine adults buying motor or home cover who would rather have a broker place it than deal with one insurer directly.
- Households that want life, health and breakdown policies added alongside a motor policy.
- Customers who prefer claims help by phone, WhatsApp or an online form over visiting an office.
Who should look elsewhere
- Linxea, if life cover is the only policy wanted: its range is life.
- EuroAsia Insurance, if travel or gadget cover is the priority: it lists auto, home and travel.
- Oney Préstamos ES, for readers comparing on the finance side, where its cover lines are health, life and gadget.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
Country by country
| Country | 10Life | 123Seguro |
|---|---|---|
| Argentina | No | Yes |
| Brazil | No | Yes |
| Chile | No | Yes |
| Colombia | No | Yes |
| Hong Kong | Yes | No |
| Mexico | No | Yes |
Questions about each
10Life
Is 10Life an insurer or a comparison site?+
10Life is a comparison site, so it puts policies from several providers side by side rather than underwriting cover itself. The legal entity behind the service is 10Life Financial Limited, and the contract you sign at the point of purchase sits with the insurer being compared.
Is 10Life regulated in Hong Kong?+
Yes. 10Life holds a Hong Kong Insurance Authority licence, FB1526, and the site is registered in Hong Kong. Since it works as a comparison site rather than as the risk carrier, its own licence and the insurer behind each quote are two separate checks to make.
123Seguro
Who runs 123Seguro?+
The site is operated by EURO SECURITY S.A., a broker based in Argentina that has placed personal cover since 2010. Quotes, administration and claims for the policies it arranges run through the same company, and customers reach the team on chat, email and phone.
Is 123Seguro regulated?+
Yes. It is registered with the Superintendencia de Seguros de la Nacion (SSN) in Argentina, and the registration number is 798. That body is the authority for the Argentine insurance market, and the insurers behind these policies sit under the same supervision.
Other options to compare
10Life
123Seguro