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Top 10 Whole Life Savings Insurance (4-8 year payment) - Guaranteed Return
2021Q1
| 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 EliteLife Protection Plan | 5-year payment | 10.0 | 2.9% | 2.8% | 2.7% |
| 2 | 中國太平 China Taiping | Taiping Elite Delight Whole Life Coupon Plan | 5-year payment | 7.4 | 0.3% | 1.3% | 1.5% |
| 3 | 中國人壽 China Life | Superior Wealth Plus (5-Year) Whole Life Plan | 5-year payment | 6.8 | 0.5% | 0.8% | 0.9% |
| 4 | 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% |
| 5 | 泰禾人壽 Tahoe Life | Prime Fortune Savings Protection Plan | 6-year payment | 6.7 | -1.0% | 0.9% | 1.2% |
| 6 | 中國人壽 China Life | Superior Wealth Plus (8-Year) Whole Life Plan | 8-year payment | 6.7 | 0.1% | 0.8% | 0.9% |
| 7 | 永明金融 Sun Life | Vision (5-Years Pay) | 5-year payment | 6.6 | -1.4% | 1.0% | 1.3% |
| 8 | 富衛 FWD | Eternity Savings Insurance Plan 6 | 6-year payment | 6.6 | -7.2% | 1.8% | 2.0% |
| 9 | 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% |
| 10 | 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% |
Company
Product
Product
中國太平 China Taiping
中國太平 China Taiping
中國人壽 China Life
中銀人壽 BOC Life
泰禾人壽 Tahoe Life
中國人壽 China Life
永明金融 Sun Life
立橋人壽 Well Link Life
中銀人壽 BOC 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
10.0
2.9%
2.8%
2.7%
2
5-year payment
7.4
0.3%
1.3%
1.5%
3
5-year payment
6.8
0.5%
0.8%
0.9%
4
5-year payment
6.8
0.2%
1.0%
0.9%
5
6-year payment
6.7
-1.0%
0.9%
1.2%
6
8-year payment
6.7
0.1%
0.8%
0.9%
7
5-year payment
6.6
-1.4%
1.0%
1.3%
8
6-year payment
6.6
-7.2%
1.8%
2.0%
9
5-year payment
6.6
0.1%
0.3%
1.0%
10
8-year payment
6.5
-0.7%
0.9%
0.9%
Remarks: 1. The above information is as of 2021-1-1. 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
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
