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Manulife
ManuDelight Annuity Plan

10-year PremiumAge 65 Start20-year Annuity
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
1.3%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
4.6%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
10Life Rating
Guaranteed IRR at age 85
Projected IRR at age 85

Overview

Guaranteed Return

Projected Return

Length of Coverage Term

Early Surrender Coverage

Early Death Coverage

Overview

Guaranteed Return

Projected Return

Length of Coverage Term

Early Surrender Coverage

Early Death Coverage

10Life Ratings
7.1 / 10
Currency
HKD
First year premium
$100,000
Premium term
10
Total premium paid
$1,000,000
Income term
Age 65 - 85
Guaranteed initial annual income
$68,515
Projected initial annual income
$120,990
Percentage of total income being guaranteed
43.5 %
Guaranteed annuity breakeven year
35
Guaranteed annuity internal rate of return (IRR)
Death at age 75
0.8%
Death at age 85
1.3%
Death at age 95
1.3%
Death at age 105
Annuity ended
Total Guaranteed Income Age 45 - 54
$0
  • Guaranteed Yearly Income at Age 45
  • $0
  • Guaranteed Yearly Income at Age 46
  • $0
  • Age 47
  • $0
  • Age 48
  • $0
  • Age 49
  • $0
  • Age 50
  • $0
  • Age 51
  • $0
  • Age 52
  • $0
  • Age 53
  • $0
  • Age 54
  • $0
    Total Guaranteed Income Age 55 - 64
    $0
  • Guaranteed Yearly Income at Age 55
  • $0
  • Age 56
  • $0
  • Age 57
  • $0
  • Age 58
  • $0
  • Age 59
  • $0
  • Age 60
  • $0
  • Age 61
  • $0
  • Age 62
  • $0
  • Age 63
  • $0
  • Age 64
  • $0
    Total Guaranteed Income Age 65 - 74
    $685,150
  • Guaranteed Yearly Income at Age 65
  • $68,515
  • Age 66
  • $68,515
  • Age 67
  • $68,515
  • Age 68
  • $68,515
  • Age 69
  • $68,515
  • Age 70
  • $68,515
  • Age 71
  • $68,515
  • Age 72
  • $68,515
  • Age 73
  • $68,515
  • Age 74
  • $68,515
    Total Guaranteed Income Age 75 - 84
    $685,150
  • Guaranteed Yearly Income at Age 75
  • $68,515
  • Age 76
  • $68,515
  • Age 77
  • $68,515
  • Age 78
  • $68,515
  • Age 79
  • $68,515
  • Age 80
  • $68,515
  • Age 81
  • $68,515
  • Age 82
  • $68,515
  • Age 83
  • $68,515
  • Age 84
  • $68,515
    Total Guaranteed Income Age 85 - 94
    $0
  • Guaranteed Yearly Income at Age 85
  • $0
  • Age 86
  • $0
  • Age 87
  • $0
  • Age 88
  • $0
  • Age 89
  • $0
  • Age 90
  • $0
  • Age 91
  • $0
  • Age 92
  • $0
  • Age 93
  • $0
  • Age 94
  • $0
    Total Guaranteed Income Age 95 - 104
    $0
  • Guaranteed Yearly Income at Age 95
  • $0
  • Age 96
  • $0
  • Age 97
  • $0
  • Age 98
  • $0
  • Age 99
  • $0
  • Age 100
  • $0
  • Age 101
  • $0
  • Age 102
  • $0
  • Age 103
  • $0
  • Age 104
  • $0
    Total Guaranteed Income Age 105 - 114
    $0
  • Guaranteed Yearly Income at Age 105
  • $0
  • Age 106
  • $0
  • Age 107
  • $0
  • Age 108
  • $0
  • Age 109
  • $0
  • Age 110
  • $0
  • Age 111
  • $0
  • Age 112
  • $0
  • Age 113
  • $0
  • Age 114
  • $0
    Projected annuity breakeven year
    28
    Projected annuity internal rate of return (IRR)
    Death at age 75
    4.2%
    Death at age 85
    4.6%
    Death at age 95
    4.6%
    Death at age 105
    Annuity ended
    Total Projected Income Age 45 - 54
    $0
  • Projected Yearly Income at Age 45
  • $0
  • Age 46
  • $0
  • Age 47
  • $0
  • Age 48
  • $0
  • Age 49
  • $0
  • Age 50
  • $0
  • Age 51
  • $0
  • Age 52
  • $0
  • Age 53
  • $0
  • Age 54
  • $0
    Total Projected Income Age 55 - 64
    $0
  • Projected Yearly Income at Age 55
  • $0
  • Age 56
  • $0
  • Age 57
  • $0
  • Age 58
  • $0
  • Age 59
  • $0
  • Age 60
  • $0
  • Age 61
  • $0
  • Age 62
  • $0
  • Age 63
  • $0
  • Age 64
  • $0
    Total Projected Income Age 65 - 74
    $1,376,310
  • Projected Yearly Income at Age 65
  • $120,990
  • Age 66
  • $124,600
  • Age 67
  • $128,245
  • Age 68
  • $131,930
  • Age 69
  • $135,645
  • Age 70
  • $139,385
  • Age 71
  • $143,160
  • Age 72
  • $146,955
  • Age 73
  • $150,780
  • Age 74
  • $154,620
    Total Projected Income Age 75 - 84
    $1,775,710
  • Projected Yearly Income at Age 75
  • $158,480
  • Age 76
  • $162,405
  • Age 77
  • $166,335
  • Age 78
  • $170,290
  • Age 79
  • $174,270
  • Age 80
  • $178,325
  • Age 81
  • $182,500
  • Age 82
  • $186,950
  • Age 83
  • $192,035
  • Age 84
  • $204,120
    Total Projected Income Age 85 - 94
    $0
  • Projected Yearly Income at Age 85
  • $0
  • Age 86
  • $0
  • Age 87
  • $0
  • Age 88
  • $0
  • Age 89
  • $0
  • Age 90
  • $0
  • Age 91
  • $0
  • Age 92
  • $0
  • Age 93
  • $0
  • Age 94
  • $0
    Total Projected Income Age 95 - 104
    $0
  • Projected Yearly Income at Age 95
  • $0
  • Age 96
  • $0
  • Age 97
  • $0
  • Age 98
  • $0
  • Age 99
  • $0
  • Age 100
  • $0
  • Age 101
  • $0
  • Age 102
  • $0
  • Age 103
  • $0
  • Age 104
  • $0
    Total Projected Income Age 105 - 114
    $0
  • Projected Yearly Income at Age 105
  • $0
  • Age 106
  • $0
  • Age 107
  • $0
  • Age 108
  • $0
  • Age 109
  • $0
  • Age 110
  • $0
  • Age 111
  • $0
  • Age 112
  • $0
  • Age 113
  • $0
  • Age 114
  • $0
    Income period
    Till age 85
    Guaranteed benefit per premium paid
    Surrender at the 10th policy year
    43.5 %
    Surrender at the 20th policy year
    100.4 %
    Guaranteed benefit per premium paid, including death benefit: (received income + death benefit) ÷ premium paid
    Death at the 10th policy year
    100.0 %
    Death at the 20th policy year
    100.4 %
    Remarks:

    1. The above premium excludes insurance levy collected by the Insurance Authority.
    2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
    3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.

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