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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).
We found Immediate Annuity product(s) matching your selected filters.
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HKMC Annuity | 香港年金
HKMC Annuity Plan
Product Details
Single PremiumWhole Life Annuity
9.9/10
3.60%
3.60%
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)
China Life | 中國人壽
Wealth Grower Guaranteed Annuity Plan
Product Details
5-year PremiumAge 65 Start36-year Annuity
8.7/10
1.70%
3.50%
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)
BOC Life | 中銀人壽
Smart Immediate Annuity
Product Details
Single PremiumAge 64 StartWhole Life Annuity
8.0/10
0.70%
2.80%
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)
HSBC | 滙豐
EarlyIncome Annuity Plan
Product Details
3-year PremiumAge 66 Start20-year Annuity
7.2/10
1.00%
2.20%
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)
AIA | 友邦
Spring Income Plan (Single Payment Level Payout)
Product Details
Single PremiumAge 66 Start18-year Annuity
6.3/10
0.80%
2.90%
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)

Immediate Annuity

We found Immediate Annuity product(s) matching your selected filters.
HKMC Annuity | 香港年金
HKMC Annuity Plan
Single PremiumWhole Life Annuity
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 :
3.60%
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 :
3.60%
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
5-year PremiumAge 65 Start36-year Annuity
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 :
1.70%
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 :
3.50%
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
Single PremiumAge 64 StartWhole Life 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 :
0.70%
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 :
2.80%
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
3-year PremiumAge 66 Start20-year 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 :
1.00%
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 :
2.20%
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)
Single PremiumAge 66 Start18-year Annuity
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 :
0.80%
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 :
2.90%
Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)

Remarks:

  1. Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
  2. 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.
  3. 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.

If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10Life.com.

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