Top 10 Deferred Annuity (HKD)
2021Q3
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)9.81.9%3.9%Age 60 to whole life
2中國人壽 China LifeEndowment 65 (Annuity Version)9.32.7%4.8%Age 65 - 85
3永明金融 Sun LifeFlexiRetire Annuity Plan8.32.3%3.7%Age 65 - 85
4中銀人壽 BOC LifeSmartRetire Annuity Insurance Plan7.90.7%4.5%Age 65 - 100
5宏利 ManulifeManuDelight Annuity Plan7.11.3%4.6%Age 65 - 85
Company
Product
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
9.8
1.9%
3.9%
Age 60 to whole life
2
9.3
2.7%
4.8%
Age 65 - 85
3
8.3
2.3%
3.7%
Age 65 - 85
4
7.9
0.7%
4.5%
Age 65 - 100
5
7.1
1.3%
4.6%
Age 65 - 85
Remarks: 1. The above information as of 2021-6-30. 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
  1. 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.
  2. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.
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