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 ... >>
26/08/2020
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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.
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12-year paymentUSD
| 2.4/10 | 10.0/10 | 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 |
10-year paymentUSD
| 3.0/10 | 10.0/10 | 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 |
12-year paymentUSD
| 3.6/10 | 9.2/10 | 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
| 5.8/10 | 8.8/10 | 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
| 1.2/10 | 8.8/10 | 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
| 3.0/10 | 7.6/10 | 4.1/10 |
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
| 4.0/10 | 7.5/10 | 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 | 7.4/10 | 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
| 5.1/10 | 7.2/10 | 5.6/10 |
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 |
10-year paymentUSD
| 2.5/10 | 7.2/10 | 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 |
We found Whole Life Savings Insurance product(s) matching your selected filters.
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 : 10.0/10
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 : 4.7/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
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 : 10.0/10
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 : 3.5/10
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 : 9.2/10
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 : 7.5/10
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 : 8.8/10
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
Prudential | 英國保誠
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 : 8.8/10
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
Regal Premier Saver (12-Years Pay)
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 : 7.6/10
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 : 4.1/10
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 : 7.5/10
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 : 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 : 7.4/10
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 : 5.3/10
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 (10-Year) Whole Life Plan
Guaranteed Return Score : 5.1/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score : 7.2/10
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 : 5.6/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
AXA | 安盛
Fortune Protector Life
Guaranteed Return Score : 2.5/10
Guaranteed Return Score is based on the guaranteed internal rate of return (Guaranteed IRR) at selected time horizons. Details
Death Benefit Score : 7.2/10
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 : 5.3/10
Projected Return Score is based on the projected internal rate of return (Projected IRR) at selected time horizons. Details
Further Readings
Remarks:
- The above premium excludes insurance levy collected by the Insurance Authority.
- The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
- 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.
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