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Savings return for the medium and long term is the main purpose of buying whole life savings insurance. Unlike other financial products, savings insurance provides not only guaranteed and projected returns but also life protection. Different savings insurance products have different propositions, some focussing on guaranteed return, some focussing on both guaranteed and projected returns while others emphasising projected return only. Based on your risk preference, you can refer to the relevant 10Life scores designed by our actuaries, including "Conservative Savings Score", "Growth Savings Score" and "Aggressive Savings Score".
We found Long Term Savings product(s) matching your selected filters.
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5-year PaymentUSD
| 9.9/10 | 101.0% | 204.8% | 242.6% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
5-year PaymentUSD
| 9.9/10 | 102.5% | 201.8% | 247.7% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
5-year PaymentUSD
| 9.6/10 | 100.0% | 193.9% | 260.2% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
Limited offer
Offer 1: Enjoy premium refund of up to 25% of the 1st policy year’s premium! Offer 2: Receive a HK$100 supermarket coupon^ upon your first meeting with Generali insurance advisor and complete personal financial survey!
Product Highlights
Promotion offer
Terms and conditions apply to the above product and premium refund offer. For details, please refer to website, product brochure, promotion flyer, proposal summary and Policy Provisions.
* Total cash value is not guaranteed. Applicable to 2-year Premium Payment Term, annual payment mode with total premium of US$200,000. It is assumed that all premiums are paid in full when due, no policy loan and withdrawal are taken, the Terminal Dividend Lock-in Option and other plan options are not exercised.
^ The information gathered during the survey will be used by Generali Life (Hong Kong) Limited ("Generali”). To be entitled to the offer, the participant must register and complete the personal financial survey with Generali's insurance advisor. Each participant may only participate in the survey once in the past year, counting from the launch of this event. Participants who complete the survey for the first time will receive a HK$100 supermarket coupon, limited while stocks last.
The product is underwritten by Generali Life (Hong Kong) Limited.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
5-year PaymentUSD
| 9.5/10 | 101.0% | 191.2% | 248.5% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
8-year PaymentUSD
| 9.3/10 | 100.4% | 192.5% | 223.9% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
5-year PaymentUSD
| 9.3/10 | 100.2% | 187.3% | 246.8% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
5-year PaymentUSD
| 9.2/10 | 100.3% | 186.4% | 242.5% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
5-year PaymentUSD
| 9.1/10 | 100.0% | 184.3% | 240.2% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
5-year PaymentUSD
| 9.0/10 | 123.6% | 183.4% | 230.8% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
5-year PaymentUSD
| 9.0/10 | 105.5% | 184.8% | 223.1% |
Growth Savings Score Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details | Guaranteed Return Ratio Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year. | Projected Return Ratio (Pessimistic) Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario). | Projected Return Ratio (Base) Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario). |
We found Long Term Savings product(s) matching your selected filters.
China Life | 中國人壽
Supreme Fortune Wealth Planner
Growth Savings Score :
9.9/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
101.0%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
204.8%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
242.6%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
BOC Life | 中銀人壽
SmartUp Pro Whole Life Insurance Plan
Growth Savings Score :
9.9/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
102.5%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
201.8%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
247.7%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
Generali | 忠意保險
LionTycoon Beyond
Growth Savings Score :
9.6/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
100.0%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
193.9%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
260.2%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
Limited offer
Offer 1: Enjoy premium refund of up to 25% of the 1st policy year’s premium! Offer 2: Receive a HK$100 supermarket coupon^ upon your first meeting with Generali insurance advisor and complete personal financial survey!
Product Highlights
Promotion offer
Terms and conditions apply to the above product and premium refund offer. For details, please refer to website, product brochure, promotion flyer, proposal summary and Policy Provisions.
* Total cash value is not guaranteed. Applicable to 2-year Premium Payment Term, annual payment mode with total premium of US$200,000. It is assumed that all premiums are paid in full when due, no policy loan and withdrawal are taken, the Terminal Dividend Lock-in Option and other plan options are not exercised.
^ The information gathered during the survey will be used by Generali Life (Hong Kong) Limited ("Generali”). To be entitled to the offer, the participant must register and complete the personal financial survey with Generali's insurance advisor. Each participant may only participate in the survey once in the past year, counting from the launch of this event. Participants who complete the survey for the first time will receive a HK$100 supermarket coupon, limited while stocks last.
The product is underwritten by Generali Life (Hong Kong) Limited.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Manulife | 宏利
ManuGlobal Saver
Growth Savings Score :
9.5/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
101.0%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
191.2%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
248.5%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
China Life | 中國人壽
Supreme Fortune Wealth Planner
Growth Savings Score :
9.3/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
100.4%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
192.5%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
223.9%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
YF Life | 萬通保險
Infinity Saver 3
Growth Savings Score :
9.3/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
100.2%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
187.3%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
246.8%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
Manulife | 宏利
ManuImperial Saver 2
Growth Savings Score :
9.2/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
100.3%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
186.4%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
242.5%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
Generali | 忠意保險
LionTycoon
Growth Savings Score :
9.1/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
100.0%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
184.3%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
240.2%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
Manulife | 宏利
ManuGrand Saver 2
Growth Savings Score :
9.0/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
123.6%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
183.4%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
230.8%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
China Life | 中國人壽
Eminent Fortune Wealth Planner 2
Growth Savings Score :
9.0/10
Growth Savings Score is based on the projected cash value - base (20%) and projected cash value - pessimistic (80%) at selected time horizons. Details
Guaranteed Return Ratio :
105.5%
Guaranteed Return Ratio = Guaranteed Cash Value / Premium Paid. Guaranteed cash value is the guaranteed amount payable by the insurance company if the policy is surrendered at the end of the selected policy year.
Projected Return Ratio (Pessimistic) :
184.8%
Projected Return Ratio (Pessimistic) = Projected Cash Value (Pessimistic) / Premium Paid. Projected Cash Value (Pessimistic) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, assuming the investment returns are lower than the current assumed investment return (i.e. Pessimistic Scenario).
Projected Return Ratio (Base) :
223.1%
Projected Return Ratio (Base) = Projected Cash Value (Base) / Premium Paid. Projected Cash Value (Base) is the projected amount payable by the insurance company if the policy is surrendered at the end of the selected policy year, under the current assumed investment return (i.e. Base Scenario).
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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