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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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Insurer/ Company15 / 15
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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
Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. 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.

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