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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).
We found Immediate Annuity product(s) matching your selected filters.
Sort by
Single PremiumWhole Life Annuity
| 9.9/10 | 3.6% | 3.6% |
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) |
5-year PremiumAge 65 Start36-year Annuity
| 8.7/10 | 1.7% | 3.5% |
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) |
Single PremiumAge 64 StartWhole Life Annuity
| 8.0/10 | 0.7% | 2.8% |
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) |
3-year PremiumAge 66 Start20-year Annuity
| 7.2/10 | 1.0% | 2.2% |
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) |
Single PremiumAge 66 Start18-year Annuity
| 6.3/10 | 0.8% | 2.9% |
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) |
We found Immediate Annuity product(s) matching your selected filters.
HKMC Annuity | 香港年金
HKMC Annuity Plan
10Life Rating :
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 :
3.6%
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 :
3.6%
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
Wealth Grower Guaranteed Annuity Plan
10Life Rating :
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 :
1.7%
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 :
3.5%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
BOC Life | 中銀人壽
Smart Immediate 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 :
0.7%
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 :
2.8%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
HSBC | 滙豐
EarlyIncome Annuity Plan
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 :
1.0%
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 :
2.2%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
AIA | 友邦
Spring Income Plan (Single Payment Level Payout)
10Life Rating :
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 :
0.8%
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 :
2.9%
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 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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