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 ... >>
27/08/2020
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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.
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FTLife | “On Your Mind” Insurance Plan (Smart Version)
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
10.0/10
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
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)
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
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
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)
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
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
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
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
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)
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
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
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)
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
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
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)
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
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
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
Guaranteed Return : 5.1/10
Projected Return : 5.6/10
Death Benefit : 7.2/10
Further Readings
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
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
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
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- The above premium excludes insurance levy collected by the Insurance Authority.
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