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Deferred Annuity is usually for those at wealth accumulation age – premium is paid for a period of time for accumulation before annuity income starts. A deferred annuity product that satisfies the Insurance Authority (IA)’s criteria can be qualified as Qualifying Deferred Annuity Policy (QDAP). 10Life rates QDAP and other deferred annuity products here, assuming the policyholder starts paying premium at age 45 for retirement planning purpose
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BOC Life | BOC Life Deferred Annuity (Lifetime)
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.00%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.90%
Projected Internal Rate of Return for death at age 85
Sun Life | Foresight Deferred Annuity Plan
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.60%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy up to 8% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- A Qualifying Deferred Annuity Policy that can apply for tax deduction
- Wide choices to fit retirement needs
Able to choose flexibly Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance
- Stable income stream in Annuity Period With Guaranteed Monthly Annuity Payment, you can retire in worry-free
- Promising growth potential in Monthly Annuity Payment brings you potential compound return
Promotion 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").
- Existing Sun Life individual life clients will also enjoy extra 3% rebate on AFYP of Foresight Deferred Annuity Plan.
- To enjoy this offer, click the “Quote Now” button to reach offer page.
- This offer is applicable to all successful policy applications from January 1, 2021 to March 31, 2021 and such policy is issued on or before April 30, 2021 by Sun Life.
Relevant information
* Plan and premium rebate are subject to terms and conditions. Please refer to the promotion leaflet and product brochure for details.
^The above Score, Guaranteed/ Projected IRR at age 85 have reflected 5% premium rabate on Annualized First Year Premium.
Chubb | Chubb FlexiLiving Deferred Annuity Plan
9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.10%
Projected Internal Rate of Return for death at age 85
Sun Life | Foresight Deferred Annuity Plan
8.2/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy up to 8% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- A Qualifying Deferred Annuity Policy that can apply for tax deduction
- Wide choices to fit retirement needs
Able to choose flexibly Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance
- Stable income stream in Annuity Period With Guaranteed Monthly Annuity Payment, you can retire in worry-free
- Promising growth potential in Monthly Annuity Payment brings you potential compound return
Promotion 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").
- Existing Sun Life individual life clients will also enjoy extra 3% rebate on AFYP of Foresight Deferred Annuity Plan.
- To enjoy this offer, click the “Quote Now” button to reach offer page.
- This offer is applicable to all successful policy applications from January 1, 2021 to March 31, 2021 and such policy is issued on or before April 30, 2021 by Sun Life.
Relevant information
* Plan and premium rebate are subject to terms and conditions. Please refer to the promotion leaflet and product brochure for details.
^The above Score, Guaranteed/ Projected IRR at age 85 have reflected 5% premium rabate on Annualized First Year Premium.
FTLife | Prosperous Deferred Annuity Plan
8.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.60%
Projected Internal Rate of Return for death at age 85
YF Life | MY Deferred Annuity
7.9/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
FTLife | Prosperous Deferred Annuity Plan
7.5/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 1.90%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
Manulife | ManuLeisure Deferred Annuity
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 1.70%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
Generali | LionHarvest Pro Deferred Annuity
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
New
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy premium discount of 8% of the 1st Policy Year’s premium from now until 31st March 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 31st March 2021, with successful policy issuance on or before 31st May 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
7.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Guaranteed IRR at age 85 : 2.30%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.80%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy up to 8% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- A Qualifying Deferred Annuity Policy that can apply for tax deduction
- Wide choices to fit retirement needs
Able to choose flexibly Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance
- Stable income stream in Annuity Period With Guaranteed Monthly Annuity Payment, you can retire in worry-free
- Promising growth potential in Monthly Annuity Payment brings you potential compound return
Promotion 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").
- Existing Sun Life individual life clients will also enjoy extra 3% rebate on AFYP of Foresight Deferred Annuity Plan.
- To enjoy this offer, click the “Quote Now” button to reach offer page.
- This offer is applicable to all successful policy applications from January 1, 2021 to March 31, 2021 and such policy is issued on or before April 30, 2021 by Sun Life.
Relevant information
* Plan and premium rebate are subject to terms and conditions. Please refer to the promotion leaflet and product brochure for details.
^The above Score, Guaranteed/ Projected IRR at age 85 have reflected 5% premium rabate on Annualized First Year Premium.
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
BOC Life | BOC Life Deferred Annuity (Lifetime)
Guaranteed IRR at age 85 : 2.00%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.90%
Projected Internal Rate of Return for death at age 85
9.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
Guaranteed IRR at age 85 : 2.60%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy up to 8% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- A Qualifying Deferred Annuity Policy that can apply for tax deduction
- Wide choices to fit retirement needs
Able to choose flexibly Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance
- Stable income stream in Annuity Period With Guaranteed Monthly Annuity Payment, you can retire in worry-free
- Promising growth potential in Monthly Annuity Payment brings you potential compound return
Promotion 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").
- Existing Sun Life individual life clients will also enjoy extra 3% rebate on AFYP of Foresight Deferred Annuity Plan.
- To enjoy this offer, click the “Quote Now” button to reach offer page.
- This offer is applicable to all successful policy applications from January 1, 2021 to March 31, 2021 and such policy is issued on or before April 30, 2021 by Sun Life.
Relevant information
* Plan and premium rebate are subject to terms and conditions. Please refer to the promotion leaflet and product brochure for details.
^The above Score, Guaranteed/ Projected IRR at age 85 have reflected 5% premium rabate on Annualized First Year Premium.
9.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Chubb | Chubb FlexiLiving Deferred Annuity Plan
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.10%
Projected Internal Rate of Return for death at age 85
8.2/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy up to 8% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- A Qualifying Deferred Annuity Policy that can apply for tax deduction
- Wide choices to fit retirement needs
Able to choose flexibly Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance
- Stable income stream in Annuity Period With Guaranteed Monthly Annuity Payment, you can retire in worry-free
- Promising growth potential in Monthly Annuity Payment brings you potential compound return
Promotion 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").
- Existing Sun Life individual life clients will also enjoy extra 3% rebate on AFYP of Foresight Deferred Annuity Plan.
- To enjoy this offer, click the “Quote Now” button to reach offer page.
- This offer is applicable to all successful policy applications from January 1, 2021 to March 31, 2021 and such policy is issued on or before April 30, 2021 by Sun Life.
Relevant information
* Plan and premium rebate are subject to terms and conditions. Please refer to the promotion leaflet and product brochure for details.
^The above Score, Guaranteed/ Projected IRR at age 85 have reflected 5% premium rabate on Annualized First Year Premium.
8.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
FTLife | Prosperous Deferred Annuity Plan
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.60%
Projected Internal Rate of Return for death at age 85
7.9/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
YF Life | MY Deferred Annuity
Guaranteed IRR at age 85 : 2.10%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
7.5/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
FTLife | Prosperous Deferred Annuity Plan
Guaranteed IRR at age 85 : 1.90%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.70%
Projected Internal Rate of Return for death at age 85
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Manulife | ManuLeisure Deferred Annuity
Guaranteed IRR at age 85 : 1.70%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.20%
Projected Internal Rate of Return for death at age 85
7.1/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
New
Generali | LionHarvest Pro Deferred Annuity
Guaranteed IRR at age 85 : 2.50%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 4.00%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy premium discount of 8% of the 1st Policy Year’s premium from now until 31st March 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 31st March 2021, with successful policy issuance on or before 31st May 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.
7.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
Sun Life | Foresight Deferred Annuity Plan
Guaranteed IRR at age 85 : 2.30%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.80%
Projected Internal Rate of Return for death at age 85
Limited offer
Enjoy up to 8% premium rebate on Annualized First Year Premium upon application of Foresight Deferred Annuity Plan
Product Highlights
- A Qualifying Deferred Annuity Policy that can apply for tax deduction
- Wide choices to fit retirement needs
Able to choose flexibly Premium Payment Term, Annuity Start Age, Annuity Period and Guaranteed Monthly Annuity Payment before issuance
- Stable income stream in Annuity Period With Guaranteed Monthly Annuity Payment, you can retire in worry-free
- Promising growth potential in Monthly Annuity Payment brings you potential compound return
Promotion 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").
- Existing Sun Life individual life clients will also enjoy extra 3% rebate on AFYP of Foresight Deferred Annuity Plan.
- To enjoy this offer, click the “Quote Now” button to reach offer page.
- This offer is applicable to all successful policy applications from January 1, 2021 to March 31, 2021 and such policy is issued on or before April 30, 2021 by Sun Life.
Relevant information
* Plan and premium rebate are subject to terms and conditions. Please refer to the promotion leaflet and product brochure for details.
^The above Score, Guaranteed/ Projected IRR at age 85 have reflected 5% premium rabate on Annualized First Year Premium.
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.
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