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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
We found Deferred Annuity product(s) matching your selected filters.
Sort by
10-year PremiumQDAPAge 60 StartWhole Life Annuity
| 9.2/10 | 2.00% | 3.90% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
10-year PremiumQDAPAge 65 Start35-year Annuity
| 9.0/10 | 2.50% | 4.10% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
10-year PremiumQDAPAge 65 Start35-year Annuity
| 9.0/10 | 2.50% | 3.90% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
10-year PremiumQDAPAge 60 Start60-year Annuity
| 8.9/10 | 2.2% | 3.9% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
10-year PremiumQDAPAge 65 Start20-year Annuity
| 8.2/10 | 2.50% | 3.80% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
10-year PremiumQDAPAge 65 Start20-year Annuity
| 8.0/10 | 2.10% | 4.70% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
10-year PremiumQDAPAge 60 Start20-year Annuity
| 7.5/10 | 0.40% | 4.00% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
10-year PremiumQDAPAge 65 Start20-year Annuity
| 7.2/10 | 1.70% | 4.20% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
Limited offer
ManuLeisure Deferred Annuity - Enjoy up to 14% premium discount for the first 2 years in total
Product Highlights
- Save on tax while you save for retirement Enjoy tax deduction of up to HKD60,000¹ per taxpayer per year for qualifying deferred annuity premiums paid.
- A stable income stream for retirement Receive a monthly annuity income from the Annuity Start Age of your choice at age 55, 60, 65 or 70. Non-guaranteed terminal bonus is also available to support your financial journey.
- Be prepared with Critical Illness Advance Benefit Get advances of future guaranteed annuity income as immediate cash if the life insured is diagnosed with cancer, stroke or a heart attack during the annuity income period.
- No medical examination Applying couldn’t be easier. There’s no need for a medical examination or health questions.
- Flexible financial planning
Option to take a premium holiday for up to 2 years after the second policy anniversary.
1As of April 1, 2019, HKD60,000 is the maximum tax-deductible limit per year per taxpayer, which is the aggregate limit for qualifying deferred annuity premiums and MPF Tax Deductible Voluntary Contributions combined. For details on tax reduction, please consult with the Inland Revenue Department of HKSAR or a professional tax advisor.
Promotion offer
Apply for ManuLeisure Deferred Annuity and meet the designated requirements to enjoy up to 14% premium discount for the first 2 years in total!
Limited offer: From January 4, 2022 to March 31, 2022
Relevant information
Terms and conditions apply. Please refer to the product/promotional leaflet on the website for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
10-year PremiumQDAPAge 65 Start10-year Annuity
| 7.1/10 | 2.50% | 4.00% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
9-year PremiumQDAPAge 65 Start20-year Annuity
| 7.1/10 | 1.50% | 4.30% |
10Life Rating 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 Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) | Projected IRR at age 85 Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest) |
We found Deferred Annuity product(s) matching your selected filters.
BOC Life | 中銀人壽
BOC Life Deferred Annuity (Lifetime)
10Life Rating :
9.2/10
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 :
2.00%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
3.90%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Chubb | 安達人壽
Chubb FlexiLiving Deferred Annuity Plan
10Life Rating :
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, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
4.10%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Sun Life | 永明金融
Foresight Deferred Annuity Plan
10Life Rating :
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, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
3.90%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
China Pacific | 中國太平洋
Aging with Grace Deferred Annuity Plan (Lifetime)
10Life Rating :
8.9/10
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 :
2.2%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
3.9%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Sun Life | 永明金融
Foresight Deferred Annuity Plan
10Life Rating :
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, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
3.80%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
YF Life | 萬通保險
MY Deferred Annuity
10Life Rating :
8.0/10
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 :
2.10%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
4.70%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
China Life | 中國人壽
Graceful Life Deferred Annuity Plan II
10Life Rating :
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 :
0.40%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
4.00%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Manulife | 宏利
ManuLeisure Deferred Annuity
10Life Rating :
7.2/10
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 :
1.70%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
4.20%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Limited offer
ManuLeisure Deferred Annuity - Enjoy up to 14% premium discount for the first 2 years in total
Product Highlights
- Save on tax while you save for retirement Enjoy tax deduction of up to HKD60,000¹ per taxpayer per year for qualifying deferred annuity premiums paid.
- A stable income stream for retirement Receive a monthly annuity income from the Annuity Start Age of your choice at age 55, 60, 65 or 70. Non-guaranteed terminal bonus is also available to support your financial journey.
- Be prepared with Critical Illness Advance Benefit Get advances of future guaranteed annuity income as immediate cash if the life insured is diagnosed with cancer, stroke or a heart attack during the annuity income period.
- No medical examination Applying couldn’t be easier. There’s no need for a medical examination or health questions.
- Flexible financial planning
Option to take a premium holiday for up to 2 years after the second policy anniversary.
1As of April 1, 2019, HKD60,000 is the maximum tax-deductible limit per year per taxpayer, which is the aggregate limit for qualifying deferred annuity premiums and MPF Tax Deductible Voluntary Contributions combined. For details on tax reduction, please consult with the Inland Revenue Department of HKSAR or a professional tax advisor.
Promotion offer
Apply for ManuLeisure Deferred Annuity and meet the designated requirements to enjoy up to 14% premium discount for the first 2 years in total!
Limited offer: From January 4, 2022 to March 31, 2022
Relevant information
Terms and conditions apply. Please refer to the product/promotional leaflet on the website for details.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
Generali | 忠意保險
LionHarvest Pro Deferred Annuity
10Life Rating :
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 :
2.50%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
4.00%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
FTLife | 富通
FTLife prosperous deferred annuity plan 2
10Life Rating :
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 :
1.50%
Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
Projected IRR at age 85 :
4.30%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
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 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.
- 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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