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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.
Sort by
5-year PaymentUSD
| 10.0/10 | 105.6% | 205.2% | 245.7% |
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
| 9.9/10 | 105.6% | 204.4% | 245.7% |
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
| 9.9/10 | 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). |
5-year PaymentUSD
| 9.5/10 | 101.0% | 191.2% | 248.4% |
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). |
We found Long Term Savings product(s) matching your selected filters.
BOC Life | 中銀人壽
Forever Fortune Whole Life Insurance Plan
Growth Savings Score :
10.0/10
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 :
105.6%
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) :
205.2%
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) :
245.7%
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).
BOC Life | 中銀人壽
Glamorous Glow 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 :
105.6%
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) :
204.4%
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) :
245.7%
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).
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).
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) :
248.4%
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).
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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