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Investment-Linked Assurance Scheme (ILAS)
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Investment-linked assurance scheme (ILAS) is a life insurance product with investment elements, providing the policyholder with investment options and life coverage. Different ILAS products provide different levels of life coverage, and the death benefit may be less than the total premium paid. Customers who purchase ILAS bear investment risk associated with the product, as the account value is dependent on the investment return which is subject to market fluctuations. In general ILAS is suitable for those who have a long-term investment or an estate planning purpose, as high withdrawal charges can be incurred if the policy is surrendered early. To provide a better understanding of ILAS, 10Life summarises information of the key fact sheets and key values from different ILAS products in the market.
We found Investment-Linked Assurance Scheme (ILAS) product(s) matching your selected filters.
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AXA | 安盛
Signature II Investment Insurance Plan
Product Details
Single PremiumCapital Preservation Upon Death
15.2%168158.2%
Total Fees and Charges Disclosure (TFCD)
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.)
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Sun Life | 永明金融
SunWish
Product Details
Single PremiumPure 105%
16.1%107155.7%
Total Fees and Charges Disclosure (TFCD)
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.)
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Prudential | 英國保誠
PRULink Empower Investment Plan
Product Details
Single PremiumPure 105%
17.2%111154.2%
Total Fees and Charges Disclosure (TFCD)
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.)
Projected surrender value ratio equals to projected surrender value divided by premium paid)
FTLife | 富通
Legend
Product Details
Single PremiumPure 105%
17.9%179152.8%
Total Fees and Charges Disclosure (TFCD)
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.)
Projected surrender value ratio equals to projected surrender value divided by premium paid)
AIA | 友邦
Treasure Master Plus
Product Details
Single PremiumPure 105%
24.0%98145.1%
Total Fees and Charges Disclosure (TFCD)
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.)
Projected surrender value ratio equals to projected surrender value divided by premium paid)
YF Life | 萬通保險
Global InvestPlus
Product Details
Single PremiumPure 105%
25.6%131143.7%
Total Fees and Charges Disclosure (TFCD)
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.)
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Manulife | 宏利
Manulife Investment Plus
Product Details
Single PremiumPure 105%
27.5%99148.1%
Total Fees and Charges Disclosure (TFCD)
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.)
Projected surrender value ratio equals to projected surrender value divided by premium paid)

Investment-Linked Assurance Scheme (ILAS)
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We found Investment-Linked Assurance Scheme (ILAS) product(s) matching your selected filters.
AXA | 安盛
Signature II Investment Insurance Plan
Single PremiumCapital Preservation Upon Death
Total Fees and Charges Disclosure (TFCD) : 15.2%
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options : 168
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.) : 158.2%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Sun Life | 永明金融
SunWish
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) : 16.1%
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options : 107
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.) : 155.7%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Prudential | 英國保誠
PRULink Empower Investment Plan
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) : 17.2%
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options : 111
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.) : 154.2%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
FTLife | 富通
Legend
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) : 17.9%
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options : 179
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.) : 152.8%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
AIA | 友邦
Treasure Master Plus
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) : 24.0%
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options : 98
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.) : 145.1%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
YF Life | 萬通保險
Global InvestPlus
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) : 25.6%
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options : 131
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.) : 143.7%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Manulife | 宏利
Manulife Investment Plus
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) : 27.5%
Listing out fees payable when dealing in the fund’s units, including subscription fee, switching fee and redemption fee. Please note that the TFCD is calculated based on the different assumptions. For example, the insured is a non-smoking 40-year-old male; an assumed rate of return of 3% per annum throughout 20 years; there is no early withdrawal / termination of your ILAS policy.
Number of Investment Options : 99
Projected Surrender Value Ratio at Year 20
(Assumed net rate of return of 3% p.a.) : 148.1%
Projected surrender value ratio equals to projected surrender value divided by premium paid)

Further Readings

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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