Retirement Planning Made Easy - 5 Steps to Compare QDAP from AIA, Manulife and Prudential
俗稱「扣稅年金」的合資格延期年金保單（QDAP），投保人最高可獲每年6萬港元的稅務扣除額，深 ... >>
16/03/2021
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Qualifying Deferred Annuity Policy (QDAP) satisfies the Insurance Authority (IA)’s criteria on premium, payment period, annuity income period and disclosures. The policyholder of QDAP can enjoy tax deductions on the premium paid. 10Life rates the products based on mainly the returns and income period, assuming the policyholder starts paying premium at age 45, receiving annuity income from age 65 to age 85. Aiming for medium to long retirement planning purpose.
We found QDAP (Retirement) product(s) matching your selected filters.
Sort by
Sun Life | Foresight Deferred Annuity Plan
9.6/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.0%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 11
YF Life | MY Deferred Annuity
9.4/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 2.1%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.7%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
Generali | LionHarvest Pro Deferred Annuity
9.4/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.0%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
Limited offer
Enjoy premium discount of 8% of the 1st Policy Year’s premium from now until 30 June 2021!
Product Highlights
- Issue age applicable from age 18-70, suitable for different life stages
- Flexibility to choose your Annuity Income Period Start Age Start Annuity Income Period as early as age 50 or latest at age 80, and you can change the Annuity Income Period Start Age before Annuity Income Period starts
- Flexible cash out options for financial mobilization Within the 10 years Annuity Income Period, you can choose to cash out the Monthly Annuity Income and/or accumulate in the Policy to earn non-guaranteed interest*
- Up to 2 years premium holiday^ to cater to unexpected situations
Promotion offer
- You can enjoy premium discount of 8% of the 1st Policy Year’s premium for every eligible application of “LionHarvest Pro Deferred Annuity” submitted from now until 30 June 2021, with successful policy issuance on or before 31 August 2021!
Relevant Information
Please click here to visit the website Please click here to download the product brochure Please click here to download customer promotion offer
Terms and conditions apply to the above product and premium discount offer. For details, please refer to website, product brochure, promotion flyer, proposal summary and Policy Provisions.
*This is non-guaranteed and will be determined by the Company from time to time at its absolute discretion.
^Any Indebtedness must be repaid before the Premium Holiday is effective. This option is not applicable to any policies that select premium prepayment.
The product is underwritten by Generali Life (Hong Kong) Limited.
Sun Life | Foresight Deferred Annuity Plan
9.4/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 2.3%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 3.8%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 11
YF Life | MY Deferred Annuity
9.2/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 2.0%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.6%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
Manulife | ManuLeisure Deferred Annuity
8.5/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 1.7%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.2%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 17
FWD | RetireFun Deferred Annuity Plan
8.2/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
New
Age 85 Guaranteed IRR : 1.6%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 3.6%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 11
FTLife | Prosperous Deferred Annuity Plan 2
8.2/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
New
Age 85 Guaranteed IRR : 1.5%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.3%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 10
AXA | IncomeEnrich Deferred Annuity Plan
8.0/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 1.4%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.3%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
AIA | AIA Deferred Annuity Plan
8.0/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 85 Guaranteed IRR : 1.6%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 3.1%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 16
We found QDAP (Retirement) product(s) matching your selected filters.
9.6/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Sun Life | Foresight Deferred Annuity Plan
Age 85 Guaranteed IRR : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.0%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 11
9.4/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
YF Life | MY Deferred Annuity
Age 85 Guaranteed IRR : 2.1%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.7%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
9.4/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Generali | LionHarvest Pro Deferred Annuity
Age 85 Guaranteed IRR : 2.5%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.0%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
Limited offer
Enjoy premium discount of 8% of the 1st Policy Year’s premium from now until 30 June 2021!
Product Highlights
- Issue age applicable from age 18-70, suitable for different life stages
- Flexibility to choose your Annuity Income Period Start Age Start Annuity Income Period as early as age 50 or latest at age 80, and you can change the Annuity Income Period Start Age before Annuity Income Period starts
- Flexible cash out options for financial mobilization Within the 10 years Annuity Income Period, you can choose to cash out the Monthly Annuity Income and/or accumulate in the Policy to earn non-guaranteed interest*
- Up to 2 years premium holiday^ to cater to unexpected situations
Promotion offer
- You can enjoy premium discount of 8% of the 1st Policy Year’s premium for every eligible application of “LionHarvest Pro Deferred Annuity” submitted from now until 30 June 2021, with successful policy issuance on or before 31 August 2021!
Relevant Information
Please click here to visit the website Please click here to download the product brochure Please click here to download customer promotion offer
Terms and conditions apply to the above product and premium discount offer. For details, please refer to website, product brochure, promotion flyer, proposal summary and Policy Provisions.
*This is non-guaranteed and will be determined by the Company from time to time at its absolute discretion.
^Any Indebtedness must be repaid before the Premium Holiday is effective. This option is not applicable to any policies that select premium prepayment.
The product is underwritten by Generali Life (Hong Kong) Limited.
9.4/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Sun Life | Foresight Deferred Annuity Plan
Age 85 Guaranteed IRR : 2.3%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 3.8%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 11
9.2/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
YF Life | MY Deferred Annuity
Age 85 Guaranteed IRR : 2.0%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.6%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
8.5/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Manulife | ManuLeisure Deferred Annuity
Age 85 Guaranteed IRR : 1.7%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.2%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 17
8.2/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
New
FWD | RetireFun Deferred Annuity Plan
Age 85 Guaranteed IRR : 1.6%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 3.6%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 11
8.2/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
New
FTLife | Prosperous Deferred Annuity Plan 2
Age 85 Guaranteed IRR : 1.5%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.3%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 10
8.0/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
AXA | IncomeEnrich Deferred Annuity Plan
Age 85 Guaranteed IRR : 1.4%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 4.3%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 12
8.0/10
Overall Retirement Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
AIA | AIA Deferred Annuity Plan
Age 85 Guaranteed IRR : 1.6%
Guaranteed Internal Rate of Return for death at age 85
Age 85 Projected IRR : 3.1%
Projected Internal Rate of Return for death at age 85
Guaranteed Breakeven Year : 16
Further Readings
QDAP Comparison for Retirement Income during your Golden Age
踏入稅季，俗稱「扣稅年金」的合資格延期年金保單（QDAP）又再火熱起來！QDAP提供稅務優惠 ... >>
16/03/2021
Retirement Planning with QDAP (Comparing QDAP products of multi-national insurers)
隨着預期壽命不斷延長，退休開支成為不少人的難題。為鼓勵市民及早為退休生活儲蓄，政府推出「合資 ... >>
16/03/2021
Market Comparison on QDAP Tax Savings Returns on March 2020 (Chinese Article)
稅季前夕，不少人考量購買合資格延期年金保單（Qualifying Defer ... >>
24/03/2021
Remarks:
- The above premium excludes insurance levy collected by the Insurance Authority.
- 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.
- 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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