10Life Financial Limited
Enquiries: enquiries@10life.com
Hotline: (852) 3705 1599
Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong
Talk to 10Life on WeChat
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
5,731
HK$
5,471
Reduction On Deductible On Specific Age Without Re-underwrite
Second Claim Cash Allowance
Availability Of No Claim Bonus
Waiting Period Under 30 Days
Deductible Waiver (Stroke/Cancer/Heart Disease)Limited offer
Enjoy up to 6-month (1st policy year)¹ + 4-month (2nd policy year)² + 3-month (3rd policy year)² premium discount upon successful application
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
6,117
HK$
5,850
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Apply on or before 30 Sep 2026, up to 6-month premium discount in the first 2 years, plus up to HK$800 supermarket e-voucher and a complimentary health check.
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
5,739
HK$
5,537
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
Enjoy 20% off premiums for both the first and second years when you apply through 10Life! Terms and conditions apply.
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$
5,883
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited offer
Successfully application may enjoy up to 6 months’ premium refund! Terms and conditions apply.
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
5,561
HK$
5,314
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Enjoy 50% off your first-year premium upon successful enrollment, extra 15% off on first-year premium by using promo code "DC10LIFE"
Base Plan Limit
$6,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
4,963
HK$
4,870
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited-time Offer
Enjoy a total of up to 50% off premiums for the first 3 policy years when you apply through 10Life (20% off in the 1st year, and 15% off in the 2nd and 3rd years)! Terms and conditions apply.
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
5,938
HK$
5,672
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
【Limited-time Offer】Enjoy 50% off your first-year premium^. Apply with your family member can enjoy up to 60% off first-year premium^.
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$
7,234
Second Claim Cash AllowanceBase Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$
7,234
Second Claim Cash Allowance
AIA | 友邦香港
AIA Voluntary Health Insurance SelectWise Scheme
Base Plan Limit
$12,000,000 per policy year
Lifetime Limit
$60,000,000
10-year Avg. Premium
HK$
5,542
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 Days
Hang Seng | 恒生
Vital Care Voluntary Health Insurance Flexi Plan Bronze
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$
5,938
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysBase Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
4,834
HK$
4,666
Second Claim Cash AllowanceLimited Offer
Enjoy 30% off first-year premium and 10% off second-year premium by using the promo code "10LIFE"
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
4,846
HK$
4,632
Reduction On Deductible On Specific Age Without Re-underwrite Waiting Period Under 30 DaysLimited-time Offer
Enjoy 6 months of premium rebate when you successfully apply through 10Life! Terms and conditions apply.
Bupa | 保柏
Bupa Hero VHIS Plan (Core)
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$
5,270
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysFirst Year Premium 42%OFF
HK$ 3,027
Official
HK$5,189
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,471
5,731
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited offer
Enjoy up to 6-month (1st policy year)¹ + 4-month (2nd policy year)² + 3-month (3rd policy year)² premium discount upon successful application
First Year Premium 33%OFF
HK$ 3,530
Official
HK$5,294
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,850
6,117
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Apply on or before 30 Sep 2026, up to 6-month premium discount in the first 2 years, plus up to HK$800 supermarket e-voucher and a complimentary health check.
First Year Premium 20%OFF
HK$ 3,950
Official
HK$4,937
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$ 5,537
5,739
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
Enjoy 20% off premiums for both the first and second years when you apply through 10Life! Terms and conditions apply.
First Year Premium
HK$ 5,060
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,883
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited offer
Successfully application may enjoy up to 6 months’ premium refund! Terms and conditions apply.
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
First Year Premium 50%OFF
HK$ 2,464
Official
HK$4,928
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,314
5,561
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Enjoy 50% off your first-year premium upon successful enrollment, extra 15% off on first-year premium by using promo code "DC10LIFE"
First Year Premium 20%OFF
HK$ 3,745
Official
HK$4,681
Base Plan Limit
$6,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 4,870
4,963
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited-time Offer
Enjoy a total of up to 50% off premiums for the first 3 policy years when you apply through 10Life (20% off in the 1st year, and 15% off in the 2nd and 3rd years)! Terms and conditions apply.
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
First Year Premium 50%OFF
HK$ 2,658
Official
HK$5,316
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$ 5,672
5,938
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
【Limited-time Offer】Enjoy 50% off your first-year premium^. Apply with your family member can enjoy up to 60% off first-year premium^.
First Year Premium
HK$ 6,564
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 7,234
Second Claim Cash AllowanceFirst Year Premium
HK$ 6,564
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 7,234
Second Claim Cash AllowanceAIA | 友邦香港
AIA Voluntary Health Insurance SelectWise Scheme
First Year Premium
HK$ 5,112
Base Plan Limit
$12,000,000 per policy year
Lifetime Limit
$60,000,000
10-year Avg. Premium
HK$ 5,542
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysHang Seng | 恒生
Vital Care Voluntary Health Insurance Flexi Plan Bronze
First Year Premium
HK$ 5,316
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$ 5,938
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysFirst Year Premium 30%OFF
HK$ 2,915
Official
HK$4,164
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 4,666
4,834
Second Claim Cash AllowanceLimited Offer
Enjoy 30% off first-year premium and 10% off second-year premium by using the promo code "10LIFE"
First Year Premium
HK$ 4,169
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$ 4,632
4,846
Reduction On Deductible On Specific Age Without Re-underwrite Waiting Period Under 30 DaysLimited-time Offer
Enjoy 6 months of premium rebate when you successfully apply through 10Life! Terms and conditions apply.
Bupa | 保柏
Bupa Hero VHIS Plan (Core)
First Year Premium
HK$ 4,573
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,270
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysAdd More Products
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Related Articles
Annuity Quick Guide
What is Annuity?
Suitable for retirement
Provide a stream of steady income
Pay for living and medical expenses
Annuity is a type of long-term insurance policy that converts one's savings into a stream of steady monthly or annual income. The income may start immediately (immediate annuity) or at a later time (deferred annuity).
Immediate VS Deferred Annuity
Target
Payment period
Income period
Close to retirement
Lumpsum
Start immediately and continue for certain years or whole life
Planning for retirement
Usually 5 or 10 years
Start at a later time usually at age 50-70 and continue for certain years
Annuity Glossary
Guaranteed Return
The minimum amount that an insurance company must pay.
Projected Return
The amount of return that an insurance company has the discretion to distribute depending on a number of factors such as investment performance, claims experience, operating expenses, etc. The actual return could be higher or lower than the projected amount.
Fulfilment Ratio
The Insurance Authority requires insurance companies to disclose the non-guaranteed return fulfilment ratio of participating insurance (including annuity) against the projected return in the proposal illustrations. If the fulfilment ratio is 100%, it means that the insurer has achieved its projected non-guaranteed return.
Who needs to buy Immediate / Deferred Annuity?
Pre-retirees
Can consider converting accumulated savings and MPF into an immediate annuity to provide a stream of steady income to support post-retirement expenses.
Retirement Planning
One should start saving for retirement as early as possible to accumulate a sufficient sum for post-retirement income
Frequently Ask Questions
Does annuity pay income annually?
Income can be paid monthly, annually or quarterly.
What is the difference between annuity and QDAP?
The full name of QDAP is Qualified Deferred Annuity Product. It is a kind of deferred annuity product, which provides tax benefits. QDAP are annuity products that are certified by the Insurance Authority by meeting specified criteria.
How does Mortgage Corporation (HKMC) Annuity Plan differ from other annuity plans?
HKMC Annuity Plan is an immediate annuity product issued by HKMC Annuity Limited (HKMCA) Hong Kong. It converts a lump sum into a stream of guaranteed whole life income, but does not provide any tax benefits.
Which is the best insurance company for Annuity?
10Life compares and rates annuity products in the market based on a number of criteria including the ability to sustain for longevity, guaranteed return, projected return, early death benefit and early surrender value.
Which is the best insurance company for Annuity?
10Life compares and rates annuity products in the market based on a number of criteria including the ability to sustain for longevity, guaranteed return, projected return, early death benefit and early surrender value.
