Top 10 Deferred Annuity (HKD)
2021Q1
RankCompanyProductQDAP (Tax Deductible)10Life ScoreGuaranteed
IRR at
age 85
Projected
IRR at
age 85
Income Period
1中銀人壽 BOC LifeBOC Life Deferred Annuity (Lifetime)9.71.9%3.9%Age 60 to whole life
2中國人壽 China LifeGraceful Life Deferred Annuity Plan9.42.7%4.0%Age 60 - 108
3中國人壽 China LifeEndowment 65 (Annuity Version)9.22.7%4.8%Age 65 - 85
4永明金融 Sun LifeFlexiRetire Annuity Plan8.22.3%3.7%Age 65 - 85
5中銀人壽 BOC LifeSmartRetire Annuity Insurance Plan7.80.7%4.5%Age 65 - 100
6宏利 ManulifeManuDelight Annuity Plan7.11.3%4.6%Age 65 - 85
Company
Product
中國人壽 China Life
中國人壽 China Life
永明金融 Sun Life
宏利 Manulife
Rank
QDAP (Tax Deductible)
10Life Score
Guaranteed
IRR at
age 85
Projected
IRR at
age 85
Income Period
1
9.7
1.9%
3.9%
Age 60 to whole life
2
9.4
2.7%
4.0%
Age 60 - 108
3
9.2
2.7%
4.8%
Age 65 - 85
4
8.2
2.3%
3.7%
Age 65 - 85
5
7.8
0.7%
4.5%
Age 65 - 100
6
7.1
1.3%
4.6%
Age 65 - 85
Remarks: 1. The above information as of 2021-1-1. 2. 10Life sources product information from external resources and applies assumptions and mathematical calculations to arrive at the above scores. All information is intended for general education purpose and reference only, and does not constitute any insurance purchase advice. You should seek independent advice before purchasing any policy. 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. 3. The insured is age 45 male 10-year (or closest) payment term.
Disclaimer
10Life strives to use unbiased scoring methodologies to compare insurance products. We obtain public information of insurance companies from different sources and apply data analytics to derive scores and ratings. The information for reference only and does not take into account your personal needs or constitute any sales advice. You should seek advice from licensed insurance advisors before purchasing insurance products. 10Life may review and revise the scoring methodologies regularly to enhance the product comparisons. If you have any enquiries or suggestions on our scoring methodologies, please email us at enquiries@10life.com
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