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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.
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    FTLife | “On Your Mind” Insurance Plan (Smart Version)
    12-year paymentUSD
    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
    Guaranteed Return : 2.4/10
    Projected Return : 4.7/10
    Death Benefit : 10.0/10
    AXA | LifeDelight Insurance Plan
    10-year paymentUSD
    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
    Guaranteed Return : 3.0/10
    Projected Return : 3.5/10
    Death Benefit : 10.0/10
    FTLife | My Love Insurance Plan I
    10-year paymentUSD
    9.3/10
    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
    Guaranteed Return : 4.0/10
    Projected Return : 4.5/10
    Death Benefit : 9.3/10
    FTLife | “On Your Mind” Insurance Plan (Supreme Version)
    12-year paymentUSD
    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
    Guaranteed Return : 3.6/10
    Projected Return : 7.5/10
    Death Benefit : 9.2/10
    China Taiping | Taiping EliteLife Protection Plan
    10-year paymentUSD
    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
    Guaranteed Return : 10.0/10
    Projected Return : 8.5/10
    Death Benefit : 8.9/10
    Prudential | PRUlife Protector 2
    10-year paymentUSD
    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
    Guaranteed Return : 1.2/10
    Projected Return : 6.8/10
    Death Benefit : 8.8/10
    FTLife | Regal Premier Saver (12-Years Pay)
    12-year paymentUSD
    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
    Guaranteed Return : 3.0/10
    Projected Return : 4.1/10
    Death Benefit : 7.6/10
    FTLife | My Love Insurance Plan 2
    10-year paymentUSD
    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
    Guaranteed Return : 4.0/10
    Projected Return : 4.5/10
    Death Benefit : 7.5/10
    China Life | Perfect Wealth (12-Year) Whole Life Plan
    12-year paymentUSD
    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
    Guaranteed Return : 4.8/10
    Projected Return : 5.3/10
    Death Benefit : 7.4/10
    China Life | Perfect Wealth (10-Year) Whole Life Plan
    10-year paymentUSD
    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
    Guaranteed Return : 5.1/10
    Projected Return : 5.6/10
    Death Benefit : 7.2/10
    Whole Life Savings Insurance
    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
    FTLife | “On Your Mind” Insurance Plan (Smart Version)
    12-year paymentUSD
    Guaranteed Return : 2.4/10
    Projected Return : 4.7/10
    Death Benefit : 10.0/10
    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
    AXA | LifeDelight Insurance Plan
    10-year paymentUSD
    Guaranteed Return : 3.0/10
    Projected Return : 3.5/10
    Death Benefit : 10.0/10
    9.3/10
    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
    FTLife | My Love Insurance Plan I
    10-year paymentUSD
    Guaranteed Return : 4.0/10
    Projected Return : 4.5/10
    Death Benefit : 9.3/10
    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
    FTLife | “On Your Mind” Insurance Plan (Supreme Version)
    12-year paymentUSD
    Guaranteed Return : 3.6/10
    Projected Return : 7.5/10
    Death Benefit : 9.2/10
    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
    China Taiping | Taiping EliteLife Protection Plan
    10-year paymentUSD
    Guaranteed Return : 10.0/10
    Projected Return : 8.5/10
    Death Benefit : 8.9/10
    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
    Prudential | PRUlife Protector 2
    10-year paymentUSD
    Guaranteed Return : 1.2/10
    Projected Return : 6.8/10
    Death Benefit : 8.8/10
    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
    FTLife | Regal Premier Saver (12-Years Pay)
    12-year paymentUSD
    Guaranteed Return : 3.0/10
    Projected Return : 4.1/10
    Death Benefit : 7.6/10
    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
    FTLife | My Love Insurance Plan 2
    10-year paymentUSD
    Guaranteed Return : 4.0/10
    Projected Return : 4.5/10
    Death Benefit : 7.5/10
    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
    China Life | Perfect Wealth (12-Year) Whole Life Plan
    12-year paymentUSD
    Guaranteed Return : 4.8/10
    Projected Return : 5.3/10
    Death Benefit : 7.4/10
    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
    China Life | Perfect Wealth (10-Year) Whole Life Plan
    10-year paymentUSD
    Guaranteed Return : 5.1/10
    Projected Return : 5.6/10
    Death Benefit : 7.2/10
    Further Readings
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    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 ... >>

    27/08/2020
    Whole Life Savings
    A Head Start for your Children - Savings Insurance for Overseas Education (Chinese Article)

    港版國安法立法再次燃起香港人移民熱潮，但舉家移民資金門檻非常高、也要重新適應新環境，實在談何容易，所 ... >>

    13/08/2020
    Whole Life Savings
    Is it worth cashing in your life insurance policy in a crisis? (Chinese Article)

    新冠肺炎嚴重打擊本地經濟，根據今年6月公布的數據，香港最新失業率為6.2%，創15年來的新高，當中旅 ... >>

    07/08/2020
    Whole Life Savings
    Stable Guarantee vs. Higher Growth - Whole Life Savings Insurance Returns Top 3 Rankings (July 2020)

    終身儲蓄保險旨在財富增值，透過複息效應及紅利滾存，讓時間釀出金錢，為投保人實現長遠的理財目標。保險顧 ... >>

    09/07/2020
    Whole Life Savings
    Comparing Dividend Fulfillment Ratios across Insurers
    27/08/2020
    Whole Life Savings
    A Head Start for your Children - Savings Insurance for Overseas Education (Chinese Article)
    13/08/2020
    Whole Life Savings
    Is it worth cashing in your life insurance policy in a crisis? (Chinese Article)
    07/08/2020
    Whole Life Savings
    Stable Guarantee vs. Higher Growth - Whole Life Savings Insurance Returns Top 3 Rankings (July 2020)
    09/07/2020
    Whole Life Savings
    Remarks:

    1. The above premium excludes insurance levy collected by the Insurance Authority.
    2. 10Life obtains public product information from different sources and applies assumptions and mathematical calculations to arrive at the product scores. All information is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice. 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 advice before purchasing any insurance products.

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