[Short-Term Savings Insurance] Complete Contributions in Two to Three Years - Market Product Comparison Overview (Updated May 2019)

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With the US-China trade war looming and stock market volatility, many are seeking stable investment strategies. Savings insurance allows funds to grow with interest, making it particularly attractive in the current climate. However, typical savings insurance policies often require contributions for over a decade before yielding returns, and you may not want to wait that long. A decade is a considerable time, so are there products that offer guaranteed returns in a shorter period? 10Life has specially curated a selection of short-term savings insurance products currently available in the market. Take a look to see if any suit your needs!

Currently, there are several short-term savings insurance products in the market with entry thresholds as low as HKD 6,000 per year. Contribution periods range from 1 to 3 years, with maturity periods of approximately 3 to 6 years, offering guaranteed internal rates of return from 2.71% to 3.81%. Details are provided in the table below:

Product Links:

中國人壽（海外）盛賞六年儲蓄保險計劃（金裝版）：

http://bit.ly/2YKr2hL

中國人壽（海外）智息保儲蓄保險計劃

http://bit.ly/2ydSMAn

中銀人壽目標三年網上儲蓄保險計劃

http://bit.ly/2VEF6ay

匯豐保險滙昇儲蓄保險計劃

http://bit.ly/2VEFgyG

泰禾人壽泰富保2儲蓄保障計劃

http://bit.ly/2HsaBAO

Although short-term savings insurance is relatively stable, investments carry risks, and short-term savings insurance is no exception. You should carefully assess the potential risks:

The term "short-term" still involves several years. If you withdraw funds before the policy matures, the amount received may be significantly lower than the premiums paid. Therefore, ensure you have sufficient liquidity to handle unexpected situations and avoid withdrawing from insurance products before maturity.

If the primary currency you hold is different from the currency of the insurance product, fluctuations in exchange rates between the two currencies can affect the premiums payable and the overall policy value, especially if the policy currency depreciates significantly.

If interest rates rise, savings or fixed deposit rates may also increase. However, the guaranteed return rates of the aforementioned short-term savings insurance products are fixed and will not adjust upwards with market conditions.

Short-term savings insurance has always been popular in the market, but for insurance companies, the profit margins on these products are usually low. As a result, supply is limited and available on a first-come, first-served basis. It is understood that these products often attract interest from insurance insiders and actuaries. Some insurance intermediaries or bank salespeople may only recommend them to regular clients. As "opportunities are fleeting," if you are interested in purchasing, you should check the availability of each product to see if stock is still available. We are unable to predict when these products will sell out.

If you would like to learn more, you can ask questions anonymously within the 10Life app and receive immediate responses from multiple licensed advisors.

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

About Author

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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Short-term Savings Insurance Market Comparison Overview (Updated May 2019)

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