Comparing Dividend Fulfillment Ratios across Insurers
投資，要做功課，考眼光。坊間有儲蓄保險，報稱總回報達每年6%，就算「懶人」，無須緊貼市況，也可得到遠 ... >>
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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.
Sort by
10-year paymentUSD
| 3.0/10 | 9.9/10 | 3.5/10 |
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 |
10-year paymentUSD
| 5.3/10 | 9.9/10 | 6.8/10 |
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 |
12-year paymentUSD
| 2.4/10 | 9.9/10 | 4.7/10 |
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 |
12-year paymentUSD
| 3.6/10 | 8.9/10 | 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 |
10-year paymentUSD
| 4.9/10 | 8.5/10 | 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 |
10-year paymentUSD
| 1.2/10 | 8.5/10 | 6.8/10 |
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 |
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 |
10-year paymentUSD
| 4.0/10 | 7.0/10 | 4.5/10 |
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 |
12-year paymentUSD
| 4.8/10 | 7.0/10 | 5.3/10 |
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 |
10-year paymentUSD
| 1.4/10 | 7.0/10 | 5.5/10 |
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 |
We found Whole Life Savings Insurance product(s) matching your selected filters.
AXA | 安盛
LifeDelight Insurance Plan
Guaranteed Return Score :
3.0/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
9.9/10
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 :
3.5/10
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
CoverU Whole Life Insurance Plan
Guaranteed Return Score :
5.3/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
9.9/10
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 :
6.8/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
FTLife | 富通
“On Your Mind” Insurance Plan (Smart Version)
Guaranteed Return Score :
2.4/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
9.9/10
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 :
4.7/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
FTLife | 富通
“On Your Mind” Insurance Plan (Supreme Version)
Guaranteed Return Score :
3.6/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
8.9/10
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 :
7.5/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
FWD | 富衛
Glorious Fortune - Wealth
Guaranteed Return Score :
4.9/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
8.5/10
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
Prudential | 保誠保險
PRUlife Protector 2
Guaranteed Return Score :
1.2/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
8.5/10
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 :
6.8/10
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)
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
FTLife | 富通
My Love Insurance Plan 2
Guaranteed Return Score :
4.0/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
7.0/10
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 :
4.5/10
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
Perfect Wealth (12-Year) Whole Life Plan
Guaranteed Return Score :
4.8/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
7.0/10
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 :
5.3/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Prudential | 保誠保險
LiveFree Protector
Guaranteed Return Score :
1.4/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score :
7.0/10
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 :
5.5/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Further Readings
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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