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    Immediate Annuity

    Immediate Annuity is designed for the pre-retirees, with the Government Annuity by HKMCA being an example. The policyholder usually pays a large sum of premium at retirement, in exchange for steady annuity income starting soon after. 10Life assumes the policyholder starts paying premium at age 65 (or nearest).
    We found Immediate Annuity product(s) matching your selected filters.
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    BOC Life | 中銀人壽
    BOC Life Deferred Annuity (Lifetime)
    Product Details
    10-year PremiumQDAPAge 60 StartWhole Life Annuity
    9.2/10
    2.0%
    3.9%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Sun Life | 永明
    Foresight Deferred Annuity Plan
    Product Details
    10-year PremiumQDAPAge 65 Start35-year Annuity
    9.0/10
    2.5%
    3.9%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
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    New
    China Pacific Life | 中國太平洋人壽保險
    Aging with Grace Deferred Annuity Plan (Lifetime)
    Product Details
    10-year PremiumQDAPAge 60 Start60-year Annuity
    8.9/10
    2.2%
    3.9%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Sun Life | 永明
    Foresight Deferred Annuity Plan
    Product Details
    10-year PremiumQDAPAge 65 Start20-year Annuity
    8.2/10
    2.5%
    3.8%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Quote Now
    China Life | 中國人壽
    Graceful Life Deferred Annuity Plan II
    Product Details
    10-year PremiumQDAPAge 60 Start20-year Annuity
    7.5/10
    0.4%
    4.0%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Manulife | 宏利
    ManuLeisure Deferred Annuity
    Product Details
    10-year PremiumQDAPAge 65 Start20-year Annuity
    7.2/10
    1.7%
    4.2%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Generali | 忠意保險
    LionHarvest Pro Deferred Annuity
    Product Details
    10-year PremiumQDAPAge 65 Start10-year Annuity
    7.1/10
    2.5%
    4.0%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Quote Now
    FTLife | 富通
    FTLife prosperous deferred annuity plan 2
    Product Details
    9-year PremiumQDAPAge 65 Start20-year Annuity
    7.1/10
    1.5%
    4.3%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Sun Life | 永明
    Foresight Deferred Annuity Plan
    Product Details
    10-year PremiumQDAPAge 65 Start10-year Annuity
    7.0/10
    2.3%
    3.5%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Quote Now
    AXA | 安盛
    IncomeEnrich Deferred Annuity Plan
    Product Details
    10-year PremiumQDAPAge 65 Start20-year Annuity
    6.9/10
    1.4%
    4.3%
    10Life Rating
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)

    Immediate Annuity

    We found Immediate Annuity product(s) matching your selected filters.
    BOC Life | 中銀人壽
    BOC Life Deferred Annuity (Lifetime)
    10-year PremiumQDAPAge 60 StartWhole Life Annuity
    10Life Rating :
    9.2/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    2.0%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    3.9%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Sun Life | 永明
    Foresight Deferred Annuity Plan
    10-year PremiumQDAPAge 65 Start35-year Annuity
    10Life Rating :
    9.0/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    2.5%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    3.9%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Quote Now
    New
    China Pacific Life | 中國太平洋人壽保險
    Aging with Grace Deferred Annuity Plan (Lifetime)
    10-year PremiumQDAPAge 60 Start60-year Annuity
    10Life Rating :
    8.9/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    2.2%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    3.9%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Sun Life | 永明
    Foresight Deferred Annuity Plan
    10-year PremiumQDAPAge 65 Start20-year Annuity
    10Life Rating :
    8.2/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    2.5%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    3.8%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Quote Now
    China Life | 中國人壽
    Graceful Life Deferred Annuity Plan II
    10-year PremiumQDAPAge 60 Start20-year Annuity
    10Life Rating :
    7.5/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    0.4%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    4.0%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Manulife | 宏利
    ManuLeisure Deferred Annuity
    10-year PremiumQDAPAge 65 Start20-year Annuity
    10Life Rating :
    7.2/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    1.7%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    4.2%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Generali | 忠意保險
    LionHarvest Pro Deferred Annuity
    10-year PremiumQDAPAge 65 Start10-year Annuity
    10Life Rating :
    7.1/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    2.5%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    4.0%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Quote Now
    FTLife | 富通
    FTLife prosperous deferred annuity plan 2
    9-year PremiumQDAPAge 65 Start20-year Annuity
    10Life Rating :
    7.1/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    1.5%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    4.3%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Sun Life | 永明
    Foresight Deferred Annuity Plan
    10-year PremiumQDAPAge 65 Start10-year Annuity
    10Life Rating :
    7.0/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    2.3%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    3.5%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Quote Now
    AXA | 安盛
    IncomeEnrich Deferred Annuity Plan
    10-year PremiumQDAPAge 65 Start20-year Annuity
    10Life Rating :
    6.9/10
    Overall Retirement Annuity Score is based on guaranteed return, projected return, longevity coverage, early surrender coverage and early death coverage. Details
    Guaranteed IRR at age 85 :
    1.4%
    Guaranteed Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
    Projected IRR at age 85 :
    4.3%
    Projected Internal Rate of Return for death at age 85, assuming the policyholder starts receiving annuity at the age of 65 (or nearest)
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    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 company licensed with the Insurance Authority under 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. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any 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, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable 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, claims and losses arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries 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.

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