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Top 10 Whole Life Savings Insurance (4-8 year payment) - Guaranteed Return
2021Q3
| Rank | Company | Product | Payment Term | 10Life Guaranteed Return Score | 10-year IRR | 20-year IRR | 30-year IRR |
|---|---|---|---|---|---|---|---|
| 1 | 中國太平 China Taiping | Taiping Elite Delight Whole Life Coupon Plan | 5-year payment | 7.4 | 0.3% | 1.3% | 1.5% |
| 2 | 中銀人壽 BOC Life | IncomeShine Whole Life Coupon Plan (5-Yr Pay) | 5-year payment | 6.8 | 0.2% | 1.0% | 0.9% |
| 3 | 永明金融 Sun Life | Vision (5-Years Pay) | 5-year payment | 6.6 | -1.4% | 1.0% | 1.3% |
| 4 | 富衛 FWD | Eternity Savings Insurance Plan 6 | 6-year payment | 6.6 | -7.2% | 1.8% | 2.0% |
| 5 | 立橋人壽 Well Link Life | Well Protect Whole Life (5-Years Pay) | 5-year payment | 6.6 | 0.1% | 0.3% | 1.0% |
| 6 | 中銀人壽 BOC Life | IncomeShine Whole Life Coupon Plan (8-Yr Pay) | 8-year payment | 6.5 | -0.7% | 0.9% | 0.9% |
| 7 | 中國人壽 China Life | Eminent Fortune Wealth Planner | 5-year payment | 6.5 | 0.0% | 0.6% | 0.8% |
| 8 | 富衛 FWD | Life Promise Insurance Plan | 5-year payment | 6.4 | -0.2% | 0.3% | 1.0% |
| 9 | 中國人壽 China Life | Supreme Wealth (05-year) Whole Life Plan (Simplified) | 5-year payment | 6.4 | -0.1% | 0.6% | 0.7% |
| 10 | 永明金融 Sun Life | LIFE Brilliance | 5-year payment | 6.4 | -4.9% | 1.2% | 1.7% |
Company
Product
Product
中國太平 China Taiping
中銀人壽 BOC Life
永明金融 Sun Life
立橋人壽 Well Link Life
中銀人壽 BOC Life
中國人壽 China Life
富衛 FWD
中國人壽 China Life
永明金融 Sun Life
Rank
Payment Term
10Life Guaranteed Return
Score
Score
10-year
IRR
IRR
20-year
IRR
IRR
30-year
IRR
IRR
1
5-year payment
7.4
0.3%
1.3%
1.5%
2
5-year payment
6.8
0.2%
1.0%
0.9%
3
5-year payment
6.6
-1.4%
1.0%
1.3%
4
6-year payment
6.6
-7.2%
1.8%
2.0%
5
5-year payment
6.6
0.1%
0.3%
1.0%
6
8-year payment
6.5
-0.7%
0.9%
0.9%
7
5-year payment
6.5
0.0%
0.6%
0.8%
8
5-year payment
6.4
-0.2%
0.3%
1.0%
9
5-year payment
6.4
-0.1%
0.6%
0.7%
10
5-year payment
6.4
-4.9%
1.2%
1.7%
Remarks: 1. The above information is as of 2021-6-30. 2. 10Life obtains product information from public sources and applies assumptions and calculations to arrive at the above scores. All information is intended for general education and reference only and does not constitute any insurance purchase advice. 10Life will not make warranty or guarantee on the accuracy, completeness and timeliness of the information. 3. The insured is age 35 male, non-smoker, 4 to 8 year payment term.
Disclaimer
- 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.
- 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.
