Confirm to leave?

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.
Sort by
AXA | 安盛
LifeDelight Insurance Plan
Product Details
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
BOC Life | 中銀人壽
CoverU Whole Life Insurance Plan
Product 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
FTLife | 富通
“On Your Mind” Insurance Plan (Smart Version)
Product 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
FTLife | 富通
“On Your Mind” Insurance Plan (Supreme Version)
Product 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
New
FWD | 富衛
Glorious Fortune - Wealth
Product 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
Prudential | 保誠保險
PRUlife Protector 2
Product 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
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
FTLife | 富通
My Love Insurance Plan 2
Product 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
China Life | 中國人壽
Perfect Wealth (12-Year) Whole Life Plan
Product 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
Prudential | 保誠保險
LiveFree Protector
Product 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

Whole Life Savings Insurance

We found Whole Life Savings Insurance product(s) matching your selected filters.
AXA | 安盛
LifeDelight Insurance Plan
10-year paymentUSD
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
10-year paymentUSD
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)
12-year paymentUSD
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)
12-year paymentUSD
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
New
FWD | 富衛
Glorious Fortune - Wealth
10-year paymentUSD
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
10-year paymentUSD
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)
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
FTLife | 富通
My Love Insurance Plan 2
10-year paymentUSD
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
12-year paymentUSD
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
10-year paymentUSD
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

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

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.

×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details please read our Cookie Policy.