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
Savings Insurance Comparison 2026
Payment Term : Any
Target Period : 3 Years
Insurer
RMB
We found 9 Short-Term Savings product(s) matching your selected filters.
BOC Life | 中銀人壽
iTarget 3 Years Savings Insurance Plan
RMB
1-year or Pre-paid
3-year Maturity
10.0
/ 10
10Life Score
3rd Year Guaranteed IRR
2.28%
3rd Year Projected IRR
2.28%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
10,000
BOC Life | 中銀人壽
Target 3 Years Insurance Plan
RMB
2-year Payment
3-year Maturity
10.0
/ 10
10Life Score
3rd Year Guaranteed IRR
2.10%
3rd Year Projected IRR
2.10%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
150,000
BOC Life | 中銀人壽
iTarget 3 Years Savings Insurance Plan
RMB
2-year Payment
3-year Maturity
10.0
/ 10
10Life Score
3rd Year Guaranteed IRR
1.83%
3rd Year Projected IRR
1.83%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
10,000
Well Link Life | 立橋人壽
Well Save 3-Year Endowment Pro 3
RMB
1-year or Pre-paid
3-year Maturity
10.0
/ 10
10Life Score
3rd Year Guaranteed IRR
1.67%
3rd Year Projected IRR
1.67%
Guaranteed Breakeven
2
Minimum Total Premium
RMB
6,000
BOC Life | 中銀人壽
Target 5 Years Plus Insurance Plan
RMB
2-year Payment
5-year Maturity
7.0
/ 10
10Life Score
3rd Year Guaranteed IRR
0.74%
3rd Year Projected IRR
0.74%
Guaranteed Breakeven
2
Minimum Total Premium
RMB
60,000
Well Link Life | 立橋人壽
Well Save 5-Year Bonus Plus 2
RMB
1-year or Pre-paid
5-year Maturity
6.3
/ 10
10Life Score
3rd Year Guaranteed IRR
0.48%
3rd Year Projected IRR
1.98%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
6,000
Well Link Life | 立橋人壽
Well Save 5-Year Endowment Pro 3
RMB
1-year or Pre-paid
5-year Maturity
6.2
/ 10
10Life Score
3rd Year Guaranteed IRR
0.46%
3rd Year Projected IRR
0.46%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
6,000
Well Link Life | 立橋人壽
Well Save Annual Coupon Plan 3
RMB
1-year or Pre-paid
20-year Maturity
6.0
/ 10
10Life Score
3rd Year Guaranteed IRR
0.39%
3rd Year Projected IRR
0.53%
Guaranteed Breakeven
4
Minimum Total Premium
RMB
400,000
BOC Life | 中銀人壽
iTarget 3 Years Savings Insurance Plan
RMB
1-year or Pre-paid
3-year Maturity
10Life Score
10.0
/ 10
3rd Year Guaranteed IRR
2.28%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
10,000
3rd Year Projected IRR
2.28%
3rd Year Guaranteed Return Ratio
107.0%
BOC Life | 中銀人壽
Target 3 Years Insurance Plan
RMB
2-year Payment
3-year Maturity
10Life Score
10.0
/ 10
3rd Year Guaranteed IRR
2.10%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
150,000
3rd Year Projected IRR
2.10%
3rd Year Guaranteed Return Ratio
105.3%
BOC Life | 中銀人壽
iTarget 3 Years Savings Insurance Plan
RMB
2-year Payment
3-year Maturity
10Life Score
10.0
/ 10
3rd Year Guaranteed IRR
1.83%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
10,000
3rd Year Projected IRR
1.83%
3rd Year Guaranteed Return Ratio
104.6%
Well Link Life | 立橋人壽
Well Save 3-Year Endowment Pro 3
RMB
1-year or Pre-paid
3-year Maturity
10Life Score
10.0
/ 10
3rd Year Guaranteed IRR
1.67%
Guaranteed Breakeven
2
Minimum Total Premium
RMB
6,000
3rd Year Projected IRR
1.67%
3rd Year Guaranteed Return Ratio
105.1%
BOC Life | 中銀人壽
Target 5 Years Plus Insurance Plan
RMB
2-year Payment
5-year Maturity
10Life Score
7.0
/ 10
3rd Year Guaranteed IRR
0.74%
Guaranteed Breakeven
2
Minimum Total Premium
RMB
60,000
3rd Year Projected IRR
0.74%
3rd Year Guaranteed Return Ratio
101.8%
Well Link Life | 立橋人壽
Well Save 5-Year Bonus Plus 2
RMB
1-year or Pre-paid
5-year Maturity
10Life Score
6.3
/ 10
3rd Year Guaranteed IRR
0.48%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
6,000
3rd Year Projected IRR
1.98%
3rd Year Guaranteed Return Ratio
101.4%
Well Link Life | 立橋人壽
Well Save 5-Year Endowment Pro 3
RMB
1-year or Pre-paid
5-year Maturity
10Life Score
6.2
/ 10
3rd Year Guaranteed IRR
0.46%
Guaranteed Breakeven
3
Minimum Total Premium
RMB
6,000
3rd Year Projected IRR
0.46%
3rd Year Guaranteed Return Ratio
101.4%
Well Link Life | 立橋人壽
Well Save Annual Coupon Plan 3
RMB
1-year or Pre-paid
20-year Maturity
10Life Score
6.0
/ 10
3rd Year Guaranteed IRR
0.39%
Guaranteed Breakeven
4
Minimum Total Premium
RMB
400,000
3rd Year Projected IRR
0.53%
3rd Year Guaranteed Return Ratio
101.2%
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Savings Insurance Quick Guide
What is Savings Insurance?
Fulfill financial goals
Surrendering in the short term may lead to potential losses
Savings insurance is categorised into short-term and long-term savings insurance depending on the policy tenure. Using long-term savings insurance as an example, savings will continue to accumulate after the end of premium payment, providing guaranteed and projected returns.
Short Term vs Long Term Savings Insurance
Generally 1 or 2 years
Generally 3 or 5 years, but some up to 8 years
Fast
Main selling point is guaranteed return
Varies from 1 to 25 years
Life-time, some policies allow changing the insured person
Usually more than 10 years
Usually contain guaranteed and non-guaranteed; the latter depends on the investment performance of the insurance company
Savings Insurance Glossary
Internal Rate of Return (IRR)
When measuring returns, in addition to simply comparing premium paid and total return, IRR takes into account of the time value of the entire cash flow and the elapsed time to obtain such return. It is a fair measurement to compare products with different payment and savings periods.
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 expected amount.
Who needs Savings Insurance?
Career Starters
Young people in their early career life can consider using savings insurance to build regular saving habits.
Parents
Families with young children may want to start saving for their education.
Middle-aged
Those entering middle age may want to start planning for retirement. Savings insurance is an option other than MPF and annuity products.
Frequently Ask Questions
How do you choose between short-term savings insurance and long-term savings insurance?
Short-term savings insurance is more suitable for achieving financial goals within 5 years; Long-term savings insurance is more suitable for longer term financial goals such as children education and retirement.
Why aren't the returns as expected?
Long-term savings insurance has guaranteed return and projected return. Projected return is affected by different factors including investment performance, operating expenses, etc., which may underperform and drag the overall return down below the expected level.
How do you measure whether the projected return of an insurance product is credible?
The Insurance Authority requires insurance companies to disclose the dividend fulfilment ratio of participating savings insurance for at least the past 5 years against the projected dividends in the proposal illustration. The higher the ratio to 100% means the more the insurance company is able to distribute dividends according to its original projection.
How do you choose a Savings Insurance Policy?
Short term savings insurance has a fast pay-back period and a guaranteed return within 5 years.
Long term savings insurance is more suitable for long-term financial goals such as children education and retirement.
10Life evaluates and rates products based on their guaranteed returns and projected returns under different scenarios.
How do you choose a Savings Insurance Policy?
Short term savings insurance has a fast pay-back period and a guaranteed return within 5 years.
Long term savings insurance is more suitable for long-term financial goals such as children education and retirement.
10Life evaluates and rates products based on their guaranteed returns and projected returns under different scenarios.
