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Immediate Annuity
Immediate Annuity is designed for the pre-retirees, with the Government Annuity by HKMCA being an example. The policyholder usually pays a large sum of premium at retirement, in exchange for steady annuity income starting soon after. 10Life assumes the policyholder starts paying premium at age 65 (or nearest).
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HKMC Annuity | HKMC Annuity
1-year premium termAge 65 to whole life
9.9/10
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 : 3.60%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.60%
Projected Internal Rate of Return for death at age 85
China Life | Wealth Grower Guaranteed Annuity Plan
5-year premium termAge 65 - 100
8.7/10
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 : 3.50%
Projected Internal Rate of Return for death at age 85
BOC Life | Smart Immediate Annuity
1-year premium termAge 64 to whole life
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 : 0.70%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 2.80%
Projected Internal Rate of Return for death at age 85
HSBC | EarlyIncome Annuity Plan
3-year premium termAge 66 - 86
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 : 1.00%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 2.20%
Projected Internal Rate of Return for death at age 85
AIA | Spring Income Plan (Single Payment Level Payout)
1-year premium termAge 66 - 83
6.3/10
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 : 0.80%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 2.90%
Projected Internal Rate of Return for death at age 85
Immediate Annuity
9.9/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
HKMC Annuity | HKMC Annuity
1-year premium termAge 65 to whole life
Guaranteed IRR at age 85 : 3.60%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.60%
Projected Internal Rate of Return for death at age 85
8.7/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
China Life | Wealth Grower Guaranteed Annuity Plan
5-year premium termAge 65 - 100
Guaranteed IRR at age 85 : 1.70%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 3.50%
Projected Internal Rate of Return for death at age 85
8.0/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
BOC Life | Smart Immediate Annuity
1-year premium termAge 64 to whole life
Guaranteed IRR at age 85 : 0.70%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 2.80%
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
HSBC | EarlyIncome Annuity Plan
3-year premium termAge 66 - 86
Guaranteed IRR at age 85 : 1.00%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 2.20%
Projected Internal Rate of Return for death at age 85
6.3/10
Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
AIA | Spring Income Plan (Single Payment Level Payout)
1-year premium termAge 66 - 83
Guaranteed IRR at age 85 : 0.80%
Guaranteed Internal Rate of Return for death at age 85
Projected IRR at age 85 : 2.90%
Projected Internal Rate of Return for death at age 85
Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. 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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