Retirement Planning Made Easy - 5 Steps to Compare QDAP from AIA, Manulife and Prudential
每逢稅季臨近，俗稱「扣稅年金」的合資格延期年金保單（QDAP）廣告鋪天蓋地。面對不同產品，大 ... >>
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Qualifying Deferred Annuity Policy (QDAP) satisfies the Insurance Authority (IA)’s criteria on deferred annuity products. The policyholder of QDAP can enjoy tax deductions on the premium up to a limit of HK$60,000 deductible per year. Both the product break-even year and the rate of return can be enhanced if tax savings are considered, particularly for policyholders with high marginal tax rates. 10Life rates the products based on mainly the returns, assuming the policyholder starts paying premium at age 35 or age 45.
We found QDAP (Savings) product(s) matching your selected filters.
Sort by
5-year PremiumAge 50 Start10-year Annuity
| 9.7/10 | 3.1% | 3.1% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
Limited offer
Guaranteed IRR and total internal rate of return is between 2.43% - 3.00%* p.a. (Premium discounts are not included in rate of return) - 15% First-year premium discount for application during offer period!
Product Highlights
- 10-year guaranteed monthly annuity with 5-year premium payment.
- Receive monthly annuity at the earliest at age 50.
- Policy currency selection with HKD, RMB and USD
- Guaranteed IRR and total internal rate of return is between 2.43% - 3.00%* p.a. (Premium discounts are not included in rate of return)
- Issue Age: 18-70
* Assumes a customer aged 45 or above taking up Well Enjoy Deferred Annuity Plan (Supreme) 2 (5-year premium payment, 10-year annuity period and USD policy).
Promotion offer
【Offer Period: On or before 31 December 2022】 【Premium Discount Offer】 15% First-year premium discount
Relevant information* Offer subject to terms and conditions. Please refer to promotional leaflet for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
5-year PremiumAge 50 Start20-year Annuity
| 9.5/10 | 2.5% | 2.5% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
Limited offer
Guaranteed IRR and total internal rate of return is between 2.71% - 3.07%* p.a. (Premium discounts are not included in rate of return) - 15% First-year premium discount for application during offer period!
Product Highlights
- 20-year guaranteed monthly annuity with 5-year premium payment.
- Receive monthly annuity at the earliest at age 50.
- Policy currency selection with HKD, RMB and USD
- Guaranteed IRR and total internal rate of return is between 2.71% - 3.07%* p.a. (Premium discounts are not included in rate of return)
- Issue Age: 18-70
* Assumes a customer aged 45 or above taking up Well Enjoy Deferred Annuity Plan (Supreme) 2 (5-year premium payment, 20-year annuity period and USD policy).
Promotion offer
【Offer Period: On or before 31 December 2022】 【Premium Discount Offer】 15% First-year premium discount
Relevant information* Offer subject to terms and conditions. Please refer to promotional leaflet for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
5-year PremiumAge 50 Start10-year Annuity
| 9.5/10 | 2.0% | 3.5% | 9 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
Limited offer
Offer 1: Enjoy premium discount up to 10% of the 1st policy year’s premium! Offer 2: Receive a HK$100 supermarket coupon^ upon your first meeting with Generali insurance advisor and complete personal financial survey!^
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
- Offer 1: Enjoy premium discount up to 10% of the 1st policy year’s premium for every eligible application submitted from now until 31st Dec 2022, with successful policy issuance on or before 28th Feb 2023!
- Offer 2: Receive a HK$100 supermarket coupon^ upon your first meeting with Generali insurance advisor and complete personal financial survey!^
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.
* Any Indebtedness must be repaid before the Premium Holiday is effective. This option is not applicable to any policies that select premium prepayment.
^ The information gathered during the survey will be used by Generali Life (Hong Kong) Limited (“The Company”) for the personal financial survey. To be entitled to the offer, the participant must register and complete the survey with The Company’s insurance advisor. Each participant may only participate in the personal financial survey once in the past year, counting from the launch of this event. Participants who complete the survey for the first time will receive a HK$100 supermarket coupon, limited while stocks last.
The product is a Qualifying Deferred Annuity Policy underwritten by Generali Life (Hong Kong) Limited.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
5-year PremiumAge 50 Start10-year Annuity
| 9.3/10 | 2.2% | 3.4% | 10 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
Limited offer
Enjoy up to 5% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- 【Flexible】Wide choices for you to choose flexibly on Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance to fit retirement needs
- 【Stable income stream】 Offer stable Guaranteed Monthly Annuity Payment and help you retire in worry-free
- 【Promising growth potential】 in Monthly Annuity Payment that brings you potential compound return
- 【Tax saving】 A Qualifying Deferred Annuity Policy that can apply for tax deduction
Promotion offer
- Limited Time Offer: Client who successfully apply Foresight Deferred Annuity Plan and reach the designated annualized premium amount can enjoy 5% premium rebate on Annualized First Year Premium(AFYP)*
- Promotion runs till December 31, 2022. To enjoy this offer, please click the “Quote Now” button to reach offer page.
Relevant information
* The above information is a product summary only, please contact your Advisor for details. Please refer to the product brochure and sample Policy Document for details including definitions and full terms and conditions including product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.
Premium rebate is subject to terms and conditions. Please refer to the promotion leaflet for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
5-year PremiumAge 50 Start10-year Annuity
| 8.9/10 | 1.5% | 3.1% | 9 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
5-year PremiumAge 50 Start10-year Annuity
| 8.9/10 | 1.8% | 1.8% | 8 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
5-year PremiumAge 50 Start10-year Annuity
| 8.5/10 | 1.5% | 3.1% | 15 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
5-year PremiumAge 50 Start10-year Annuity
| 8.4/10 | 1.3% | 3.3% | 10 |
10Life Rating Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details | Age 60 Guaranteed IRR Guaranteed Internal Rate of Return surrendering at age 60 | Age 60 Projected IRR Projected Internal Rate of Return surrendering at age 60 | Guaranteed Breakeven Year |
We found QDAP (Savings) product(s) matching your selected filters.
Well Link Life | 立橋人壽
Well Enjoy Deferred Annuity 2
10Life Rating :
9.7/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
3.1%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
3.1%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
8
Limited offer
Guaranteed IRR and total internal rate of return is between 2.43% - 3.00%* p.a. (Premium discounts are not included in rate of return) - 15% First-year premium discount for application during offer period!
Product Highlights
- 10-year guaranteed monthly annuity with 5-year premium payment.
- Receive monthly annuity at the earliest at age 50.
- Policy currency selection with HKD, RMB and USD
- Guaranteed IRR and total internal rate of return is between 2.43% - 3.00%* p.a. (Premium discounts are not included in rate of return)
- Issue Age: 18-70
* Assumes a customer aged 45 or above taking up Well Enjoy Deferred Annuity Plan (Supreme) 2 (5-year premium payment, 10-year annuity period and USD policy).
Promotion offer
【Offer Period: On or before 31 December 2022】 【Premium Discount Offer】 15% First-year premium discount
Relevant information* Offer subject to terms and conditions. Please refer to promotional leaflet for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Well Link Life | 立橋人壽
Well Enjoy Deferred Annuity 2
10Life Rating :
9.5/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
2.5%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
2.5%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
8
Limited offer
Guaranteed IRR and total internal rate of return is between 2.71% - 3.07%* p.a. (Premium discounts are not included in rate of return) - 15% First-year premium discount for application during offer period!
Product Highlights
- 20-year guaranteed monthly annuity with 5-year premium payment.
- Receive monthly annuity at the earliest at age 50.
- Policy currency selection with HKD, RMB and USD
- Guaranteed IRR and total internal rate of return is between 2.71% - 3.07%* p.a. (Premium discounts are not included in rate of return)
- Issue Age: 18-70
* Assumes a customer aged 45 or above taking up Well Enjoy Deferred Annuity Plan (Supreme) 2 (5-year premium payment, 20-year annuity period and USD policy).
Promotion offer
【Offer Period: On or before 31 December 2022】 【Premium Discount Offer】 15% First-year premium discount
Relevant information* Offer subject to terms and conditions. Please refer to promotional leaflet for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Generali | 忠意保險
LionHarvest Pro Deferred Annuity
10Life Rating :
9.5/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
2.0%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
3.5%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
9
Limited offer
Offer 1: Enjoy premium discount up to 10% of the 1st policy year’s premium! Offer 2: Receive a HK$100 supermarket coupon^ upon your first meeting with Generali insurance advisor and complete personal financial survey!^
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
- Offer 1: Enjoy premium discount up to 10% of the 1st policy year’s premium for every eligible application submitted from now until 31st Dec 2022, with successful policy issuance on or before 28th Feb 2023!
- Offer 2: Receive a HK$100 supermarket coupon^ upon your first meeting with Generali insurance advisor and complete personal financial survey!^
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.
* Any Indebtedness must be repaid before the Premium Holiday is effective. This option is not applicable to any policies that select premium prepayment.
^ The information gathered during the survey will be used by Generali Life (Hong Kong) Limited (“The Company”) for the personal financial survey. To be entitled to the offer, the participant must register and complete the survey with The Company’s insurance advisor. Each participant may only participate in the personal financial survey once in the past year, counting from the launch of this event. Participants who complete the survey for the first time will receive a HK$100 supermarket coupon, limited while stocks last.
The product is a Qualifying Deferred Annuity Policy underwritten by Generali Life (Hong Kong) Limited.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Sun Life | 永明
Foresight Deferred Annuity
10Life Rating :
9.3/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
2.2%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
3.4%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
10
Limited offer
Enjoy up to 5% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- 【Flexible】Wide choices for you to choose flexibly on Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance to fit retirement needs
- 【Stable income stream】 Offer stable Guaranteed Monthly Annuity Payment and help you retire in worry-free
- 【Promising growth potential】 in Monthly Annuity Payment that brings you potential compound return
- 【Tax saving】 A Qualifying Deferred Annuity Policy that can apply for tax deduction
Promotion offer
- Limited Time Offer: Client who successfully apply Foresight Deferred Annuity Plan and reach the designated annualized premium amount can enjoy 5% premium rebate on Annualized First Year Premium(AFYP)*
- Promotion runs till December 31, 2022. To enjoy this offer, please click the “Quote Now” button to reach offer page.
Relevant information
* The above information is a product summary only, please contact your Advisor for details. Please refer to the product brochure and sample Policy Document for details including definitions and full terms and conditions including product risks. If there is any conflict between the Policy Document and this product summary, the Policy Document shall prevail.
Premium rebate is subject to terms and conditions. Please refer to the promotion leaflet for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
FWD | 富衛
RetireFun Deferred Annuity Plan
10Life Rating :
8.9/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
1.5%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
3.1%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
9
Hang Seng Insurance | 恒生保險
eIncomePro Deferred Annuity Plan (100% Guaranteed)
10Life Rating :
8.9/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
1.8%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
1.8%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
8
AIA | 友邦
AIA Deferred Annuity Plan
10Life Rating :
8.5/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
1.5%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
3.1%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
15
AXA | 安盛
IncomeEnrich Deferred Annuity Plan
10Life Rating :
8.4/10
Overall Savings Annuity Score is based on the guaranteed return, projected return and early surrender coverage. Details
Age 60 Guaranteed IRR :
1.3%
Guaranteed Internal Rate of Return surrendering at age 60
Age 60 Projected IRR :
3.3%
Projected Internal Rate of Return surrendering at age 60
Guaranteed Breakeven Year :
10
Further Readings
QDAP (Savings) Frequently Asked Questions
What are the Insurance Authority (IA)’s criteria on QDAP?
- Minimum total premium of HK$180,000 and minimum premium payment period of 5 years
- Minimum annuity period of 10 years
- Annuity income to start at the age of 50 or above
- Disclosure of minimum to maximum Internal Rate of Return (IRR) of the product
- Clear presentation of the guaranteed and non-guaranteed annuity payment
- Clear separation of premium of all riders (e.g. critical illness, hospitalisation cash, etc.) from the QDAP premium
You may find the full details from GL19: Guideline on Qualifying Deferred Annuity Policy issued by IA.
How much is the tax saving?
Premium paid for QDAP is tax deductible up to a limit of HK$60,000 per year. The actual tax amount saved would depend on your marginal tax rate. For example, based on the prevailing highest tax rate of 17%, you may save up to $10,200 tax payable per year from buying QDAP.
What should I consider when choosing QDAP?
When choosing QDAP, policyholders can compare products in the five steps proposed by the Insurance Authority*:
*For further details, please visit the Insurance Authority website.
- Understand the policy structure
- Assess your personal needs
- Compare internal rates of return
- Look at the fulfillment ratio
- Pay attention to the surrender value
*For further details, please visit the Insurance Authority website.
Would the Inland Revenue Department (IRD) recover my tax deductions if I surrender my QDAP early?
Under current arrangements, early surrender of policy would not make the tax deductions recoverable by the IRD. However, if you cancel the policy during the cooling-off period and have your paid premium refunded, you would need to pay back any tax deductions made. For further details regarding tax deductions, please visit the IRD website.
What are guaranteed and projected internal rates of return? What is the difference between the two?
QDAP will accumulate the policyholder’s savings and convert into a stable income in the future. 10Life compares the returns of annuity products using Internal Rate of Return (IRR). Simply put, IRR can be understood as the annualised rate of return on investment.
According to the Insurance Authority, all QDAP product brochures must use a 45-year-old non-smoking male policyholder as an example to disclose the product IRRs. In addition, consumers can refer to the product brochure to understand the IRRs of the product under different payment periods, annuity start age and income periods.
IRRs can be guaranteed or projected. The guaranteed IRR is the return contractually guaranteed by the insurance company to the policyholder, while the projected IRR includes guaranteed and non-guaranteed returns. Non-guaranteed returns are affected by multiple factors such as the insurance company’s investment performance, profit sharing policy and the general economic environment, hence it is difficult to predict.
What is the shortest breakeven year of QDAP?
QDAP is a long-term insurance product. Consumers need to understand their ability to continue paying premium. As deferred annuities do not provide high liquidity especially in the early stage of the policy, policyholders should have other liquid funds to meet sudden needs. If the policyholder surrenders the policy early, the amount received may not cover the premium paid. The shortest guaranteed breakeven year of QDAP products currently in the market is 8 years.
What is fulfillment ratio?
The Insurance Authority requires insurance companies to disclose fulfillment ratios of products with non-guaranteed payouts. A fulfillment ratio of 100% means the insurance company has achieved its projected non-guaranteed payout. However, as QDAP products were first launched in 2019, it would take awhile till the first fulfillment ratios can be published.
Is the 10Life scoring methodology reliable?
10Life’s scoring methodology is open and transparent. It considers factors important to consumers. You can refer to the scoring methodology to understand the assumptions and considerations behind the scoring. The ratings and scores are for reference only, and do not constitute sales recommendations. Before purchasing products, you should understand your personal needs and analyse whether QDAP is suitable for you.
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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