Compare QDAP (Savings)

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.8

/ 10

Guaranteed Return Ratio at Age 60

179.0%

Guaranteed Breakeven Year

Well Link Life | 立橋人壽

Well Enjoy Deferred Annuity Plan (Supreme) 2

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.7

/ 10

Guaranteed Return Ratio at Age 60

173.1%

Guaranteed Breakeven Year

Hang Seng Insurance | 恒生保險

eIncomePro Deferred Annuity Life Insurance Plan (100% Guaranteed)

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.7

/ 10

Guaranteed Return Ratio at Age 60

179.0%

Guaranteed Breakeven Year

Sun Life | Sun Life 永明

Foresight Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.2

/ 10

Guaranteed Return Ratio at Age 60

154.5%

Guaranteed Breakeven Year

Generali | 忠意保險

LionHarvest Prime Deferred Annuity

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.0

/ 10

Guaranteed Return Ratio at Age 60

140.9%

Guaranteed Breakeven Year

AXA Hong Kong and Macau | AXA 安盛

IncomeBliss Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

8.9

/ 10

Guaranteed Return Ratio at Age 60

133.9%

Guaranteed Breakeven Year

AIA | 友邦香港

AIA Deferred Annuity Plan 2

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

8.8

/ 10

Guaranteed Return Ratio at Age 60

132.2%

Guaranteed Breakeven Year

FWD | 富衛

RetireFun Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

8.6

/ 10

Guaranteed Return Ratio at Age 60

131.3%

Guaranteed Breakeven Year

BOC Life | 中銀人壽

BOC Life Deferred Annuity (Fixed Term)

5-year Premium

Age 50 Start

10-year Annuity

9.8

/ 10

10Life Score

Guaranteed Initial Annual Income  

              USD
            
 6,983   
Guaranteed Return Ratio at Age 60
 179.0%   
Projected Return Ratio at Age 60
 179.0%   
Guaranteed Breakeven Year  
 8   

Well Link Life | 立橋人壽

Well Enjoy Deferred Annuity Plan (Supreme) 2

5-year Premium

Age 50 Start

10-year Annuity

9.7

/ 10

10Life Score

Guaranteed Initial Annual Income  

              USD
            
 6,751   
Guaranteed Return Ratio at Age 60
 173.1%   
Projected Return Ratio at Age 60
 173.1%   
Guaranteed Breakeven Year  
 8   

Hang Seng Insurance | 恒生保險

eIncomePro Deferred Annuity Life Insurance Plan (100% Guaranteed)

5-year Premium

Age 50 Start

10-year Annuity

9.7

/ 10

10Life Score

Guaranteed Initial Annual Income  

              USD
            
 6,982   
Guaranteed Return Ratio at Age 60
 179.0%   
Projected Return Ratio at Age 60
 179.0%   
Guaranteed Breakeven Year  
 8   

Sun Life | Sun Life 永明

Foresight Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

9.2

/ 10

10Life Score

Guaranteed Initial Annual Income

USD

6,026

Guaranteed Return Ratio at Age 60

154.5%

Projected Return Ratio at Age 60

189.6%

Guaranteed Breakeven Year

Generali | 忠意保險

LionHarvest Prime Deferred Annuity

5-year Premium

Age 50 Start

10-year Annuity

9.0

/ 10

10Life Score

Guaranteed Initial Annual Income  

              USD
            
 4,992   
Guaranteed Return Ratio at Age 60
 140.9%   
Projected Return Ratio at Age 60
 165.2%   
Guaranteed Breakeven Year  
 9   

AXA Hong Kong and Macau | AXA 安盛

IncomeBliss Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

8.9

/ 10

10Life Score

Guaranteed Initial Annual Income

USD

5,222

Guaranteed Return Ratio at Age 60

133.9%

Projected Return Ratio at Age 60

190.7%

Guaranteed Breakeven Year

AIA | 友邦香港

AIA Deferred Annuity Plan 2

5-year Premium

Age 50 Start

10-year Annuity

8.8

/ 10

10Life Score

Guaranteed Initial Annual Income  

              USD
            
 5,154   
Guaranteed Return Ratio at Age 60
 132.2%   
Projected Return Ratio at Age 60
 188.8%   
Guaranteed Breakeven Year  
 9   

FWD | 富衛

RetireFun Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

8.6

/ 10

10Life Score

Guaranteed Initial Annual Income  

              USD
            
 5,120   
Guaranteed Return Ratio at Age 60
 131.3%   
Projected Return Ratio at Age 60
 173.6%   
Guaranteed Breakeven Year  
 9   

BOC Life | 中銀人壽

BOC Life Deferred Annuity (Fixed Term)

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.8

/ 10

Guaranteed Initial Annual Income

USD 6,983

Guaranteed Return Ratio at Age 60

179.0%

Projected Return Ratio at Age 60

179.0%

Guaranteed Breakeven Year

Well Link Life | 立橋人壽

Well Enjoy Deferred Annuity Plan (Supreme) 2

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.7

/ 10

Guaranteed Initial Annual Income

USD 6,751

Guaranteed Return Ratio at Age 60

173.1%

Projected Return Ratio at Age 60

173.1%

Guaranteed Breakeven Year

Hang Seng Insurance | 恒生保險

eIncomePro Deferred Annuity Life Insurance Plan (100% Guaranteed)

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.7

/ 10

Guaranteed Initial Annual Income

USD 6,982

Guaranteed Return Ratio at Age 60

179.0%

Projected Return Ratio at Age 60

179.0%

Guaranteed Breakeven Year

Sun Life | Sun Life 永明

Foresight Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.2

/ 10

Guaranteed Initial Annual Income

USD 6,026

Guaranteed Return Ratio at Age 60

154.5%

Projected Return Ratio at Age 60

189.6%

Guaranteed Breakeven Year

Generali | 忠意保險

LionHarvest Prime Deferred Annuity

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

9.0

/ 10

Guaranteed Initial Annual Income

USD 4,992

Guaranteed Return Ratio at Age 60

140.9%

Projected Return Ratio at Age 60

165.2%

Guaranteed Breakeven Year

AXA Hong Kong and Macau | AXA 安盛

IncomeBliss Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

8.9

/ 10

Guaranteed Initial Annual Income

USD 5,222

Guaranteed Return Ratio at Age 60

133.9%

Projected Return Ratio at Age 60

190.7%

Guaranteed Breakeven Year

AIA | 友邦香港

AIA Deferred Annuity Plan 2

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

8.8

/ 10

Guaranteed Initial Annual Income

USD 5,154

Guaranteed Return Ratio at Age 60

132.2%

Projected Return Ratio at Age 60

188.8%

Guaranteed Breakeven Year

FWD | 富衛

RetireFun Deferred Annuity Plan

5-year Premium

Age 50 Start

10-year Annuity

10Life Score

8.6

/ 10

Guaranteed Initial Annual Income

USD 5,120

Guaranteed Return Ratio at Age 60

131.3%

Projected Return Ratio at Age 60

173.6%

Guaranteed Breakeven Year

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合作夥伴

QDAP vs Deferred Annuity

Tax deductible

Payment period

Age

Certified by the Insurance Authority

QDAP

Yes

Minimum 5 years

Annuity income commences from age 50

Yes

Deferred Annuity

Different choices

No limitation

QDAP Glossary

Tax deductible

Upto HKD60,000 premiums paid to a QDAP policy is eligible for tax deduction. Based on a marginal tax rate of 17%, the maximum tax deduction is HKD10,200. The actual amount depends on individual circumstances.

Surrender Value

QDAP is a long-term insurance product, which spans across many years from making premium payments to receiving annuity income. One may surrender for cash value during the policy term but the value may be much lower than the premiums paid if surrendering in early years.

Death Benefit

Should the insured dies, the policyholder will receive a guaranteed death benefit after deducting the annuity income received.

Who should consider QDAP?

Those planning for Retirement

Those savings for retirement may select QDAP (retirement) which will start paying an income at retirement age for 10 to 20 years

Longevity risk

Living too long is a risk that cannot be overlooked as living expenses continue to rise without a sustainable income. Some deferred annuity products provide lifetime income, which may help to alleviate longevity risk