Stable with extra money? Guaranteed returns with interest? Compare short-term savings insurance

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The Hang Seng Index has retreated from its peak earlier this year, dropping below 26,300 points to reach a 15-month low, impacted by uncertainties such as escalating trade tensions and a slowdown in the mainland Chinese economy. The strong bear market has indeed left many investors feeling apprehensive. Some investors are turning to more conservative financial tools, aiming to preserve their capital amidst volatile market conditions. Short-term savings insurance offers guaranteed returns and a relatively short investment period, consistently attracting a group of risk-averse supporters. Could this be an attractive option for you?

Most insurance companies’ savings insurance products tend to be long-term, encouraging policyholders to build wealth gradually over time. For insurance companies, short-term savings insurance offers lower profit margins, which is why such products are scarce in the market. Below is a comparison of returns for short-term savings insurance products.

Although short-term savings insurance is considered “short-term,” it still involves a commitment of several years. Policyholders should ensure they have additional liquid funds during the policy term to cover necessary expenses. Early surrender of the policy can result in significant losses.
The United States has entered an interest rate hiking cycle. Given that the Hong Kong dollar is pegged to the US dollar, it is challenging for Hong Kong’s interest rates to remain unchanged. In fact, local banks in Hong Kong have recently started to raise deposit rates, with some fixed deposit rates appearing quite attractive. However, fixed deposit rates are only maintained for a short period, and the rates upon renewal are unpredictable, making it difficult to forecast whether they will rise or fall. Assuming the same duration, whether to allocate funds to short-term savings insurance or fixed deposits largely depends on interest rate trends.
Certain short-term savings insurance products may have sales quotas, and once the quota is reached, sales are halted, with availability periods being uncertain.

Insurance Company	Product	Website Link
China Life	盛賞六年	[ Click Here ]
China Life	進盈五年	[ Click Here ]
China Life	智息保儲蓄保險計劃	[ Click Here ]
FWD	三連息儲蓄	[ Click Here ]
Tahoe	泰尊寶	[ Click Here ]
Sun Life	翱翔	[ Click Here ]

We have also consulted insurance advisors regarding the availability of short-term savings insurance products. If there are any products we may have missed, please provide us with the information. If you wish to learn more, you can "Ask a Question Anonymously" within the 10Life app and receive immediate responses from multiple licensed advisors.

The above product information is partially provided by Hang Tai Senior Financial Advisor, Ms. Sham Miu Chu. For details, please refer to: [Link]

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.

Last updated: 9 Apr 2026

10Life Editorial Team

Our team of professional content researchers focussing on insurance

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10Life Editorial Team

Our team of professional content researchers focussing on insurance

About Author

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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies. Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information. If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com

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Stable with money left? Guaranteed returns with interest? Compare short-term savings insurance.

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