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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%
168
158.2%
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%
107
155.7%
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 | 保誠保險
PRULink Empower Investment Plan
Product Details
Single PremiumPure 105%
17.2%
111
154.2%
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)
New
FWD | 富衛
Investify
Product Details
Single PremiumPure 105%
19.8%
68
151.1%
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)
AIA | 友邦
Treasure Master Plus
Product Details
Single PremiumPure 105%
24.0%
98
145.1%
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)
New
FTLife | 富通
Legend
Product Details
Single PremiumPure 105%
24.6%
180
144.9%
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%
131
143.7%
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%
99
148.1%
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)
Heng An | 恒安
Aspiration
Product Details
Single PremiumPure 105%
30.9%
245
142.8%
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)
Heng An | 恒安
Fortuity
Product Details
Single PremiumPure 105%
31.9%
245
135.9%
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)
beta

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 <br> (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 <br> (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 | 保誠保險
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 <br> (Assumed net rate of return of 3% p.a.) :
154.2%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
New
FWD | 富衛
Investify
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) :
19.8%
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 :
68
Projected Surrender Value Ratio at Year 20 <br> (Assumed net rate of return of 3% p.a.) :
151.1%
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 <br> (Assumed net rate of return of 3% p.a.) :
145.1%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
New
FTLife | 富通
Legend
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) :
24.6%
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 :
180
Projected Surrender Value Ratio at Year 20 <br> (Assumed net rate of return of 3% p.a.) :
144.9%
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 <br> (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 <br> (Assumed net rate of return of 3% p.a.) :
148.1%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Heng An | 恒安
Aspiration
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) :
30.9%
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 :
245
Projected Surrender Value Ratio at Year 20 <br> (Assumed net rate of return of 3% p.a.) :
142.8%
Projected surrender value ratio equals to projected surrender value divided by premium paid)
Heng An | 恒安
Fortuity
Single PremiumPure 105%
Total Fees and Charges Disclosure (TFCD) :
31.9%
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 :
245
Projected Surrender Value Ratio at Year 20 <br> (Assumed net rate of return of 3% p.a.) :
135.9%
Projected surrender value ratio equals to projected surrender value divided by premium paid)

Further Readings

Remarks:

  1. Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
  2. 10Life Product Comparison and 10Life Insurance Ratings are operated by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.
  3. Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

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