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Whole Life Savings Insurance

Whole Life Savings Insurance (sometimes referred to as “Participating Whole Life Insurance”) offers both savings elements (with guaranteed and non-guaranteed returns) and life coverage (i.e. death benefit). While all products offer whole life coverage, some products have higher death coverage element, and some focus more on wealth accumulation. The premium is usually level with limited payment term. 10Life rates the products based on the guaranteed returns, projected returns and death benefit multiples.
We found Whole Life Savings Insurance product(s) matching your selected filters.
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China Taiping | 中國太平
Taiping Elite Delight Whole Life Coupon Plan
Product Details
10-year paymentUSD
7.5/10
2.4/10
7.5/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Well Link Life | 立橋人壽
Well Protect Whole Life (10-Years Pay)
Product Details
10-year paymentUSD
6.9/10
6.3/10
7.1/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
China Life | 中國人壽
Supreme Wealth (10-year) Whole Life Plan (Simplified)
Product Details
10-year paymentUSD
6.1/10
2.0/10
8.0/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
BOC Life | 中銀人壽
IncomeShine Whole Life Coupon Plan (12-Yr Pay)
Product Details
12-year paymentUSD
5.9/10
2.3/10
6.1/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
AXA | 安盛
Flexi Power Saver - 12 Pay 18
Product Details
12-year paymentUSD
5.9/10
2.3/10
6.6/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Chubb | 安達人壽
Custom Whole Life (100% Life Protection)
Product Details
10-year paymentUSD
5.8/10
8.2/10
5.7/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Sun Life | 永明金融
LIFE Brilliance
Product Details
10-year paymentUSD
5.7/10
5.9/10
6.4/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
AIA | 友邦
Admire Life 2
Product Details
10-year paymentUSD
5.5/10
4.4/10
7.9/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Chubb | 安達人壽
Forever Diamond (Alternative Death Benefit Option)
Product Details
12-year paymentUSD
5.5/10
2.3/10
6.2/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Manulife | 宏利
ManuGrand Saver 2
Product Details
10-year paymentUSD
5.4/10
2.1/10
7.5/10
Guaranteed Return Score
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details

Whole Life Savings Insurance

We found Whole Life Savings Insurance product(s) matching your selected filters.
China Taiping | 中國太平
Taiping Elite Delight Whole Life Coupon Plan
10-year paymentUSD
Guaranteed Return Score :
7.5/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
2.4/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
7.5/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Well Link Life | 立橋人壽
Well Protect Whole Life (10-Years Pay)
10-year paymentUSD
Guaranteed Return Score :
6.9/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
6.3/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
7.1/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
China Life | 中國人壽
Supreme Wealth (10-year) Whole Life Plan (Simplified)
10-year paymentUSD
Guaranteed Return Score :
6.1/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
2.0/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
8.0/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
BOC Life | 中銀人壽
IncomeShine Whole Life Coupon Plan (12-Yr Pay)
12-year paymentUSD
Guaranteed Return Score :
5.9/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
2.3/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
6.1/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
AXA | 安盛
Flexi Power Saver - 12 Pay 18
12-year paymentUSD
Guaranteed Return Score :
5.9/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
2.3/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
6.6/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Chubb | 安達人壽
Custom Whole Life (100% Life Protection)
10-year paymentUSD
Guaranteed Return Score :
5.8/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
8.2/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
5.7/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Sun Life | 永明金融
LIFE Brilliance
10-year paymentUSD
Guaranteed Return Score :
5.7/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
5.9/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
6.4/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
AIA | 友邦
Admire Life 2
10-year paymentUSD
Guaranteed Return Score :
5.5/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
4.4/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
7.9/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Chubb | 安達人壽
Forever Diamond (Alternative Death Benefit Option)
12-year paymentUSD
Guaranteed Return Score :
5.5/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
2.3/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
6.2/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Manulife | 宏利
ManuGrand Saver 2
10-year paymentUSD
Guaranteed Return Score :
5.4/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
2.1/10
Death Benefit Score is based on the benefit multiplier (equals to death benefit divided by premium paid) received by the beneficiary at selected time horizons. Details
Projected Return Score :
7.5/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details

Further Readings

Comparing Dividend Fulfillment Ratios across Insurers
31/12/2021
10Life Team
Long Term Savings
A Head Start for your Children - Savings Insurance for Overseas Education (Chinese Article)
31/12/2021
10Life Team
Long Term Savings
Is it worth cashing in your life insurance policy in a crisis? (Chinese Article)
04/05/2022
10Life Team
Stable Guarantee vs. Higher Growth - Whole Life Savings Insurance Returns Top 3 Rankings (July 2020)
31/12/2021
10Life Team
Long Term Savings
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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 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.
  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. 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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