How to Improve ILAS’ Fee Disclosure? (Chinese Article)
早前文章提及，投資相連壽險（簡稱投連險，ILAS）利益說明文件中，若果能夠披露虧損情景下的預 ... >>
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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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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) |
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) |
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) |
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) |
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) |
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) |
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) |
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) |
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) |
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) |
We found Investment-Linked Assurance Scheme (ILAS) product(s) matching your selected filters.
AXA | 安盛
Signature II Investment Insurance Plan
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
SunWish
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
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)
FWD | 富衛
Investify
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
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)
FTLife | 富通
Legend
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
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
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
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
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:
- Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
- 10Life Product Comparison and 10Life Insurance Ratings are operated by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under 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.
- 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. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any 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, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable 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, claims and losses arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information.
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