Member Sign Up
Member Login
Top 10 Whole Life Savings Insurance (15-30 year payment) - Projected Return
2021Q1
| Rank | Company | Product | Payment Term | 10Life Projected Return Score | 20-year IRR | 30-year IRR |
|---|---|---|---|---|---|---|
| 1 | 富通 FTLife | Regent 2 Insurance Plan (Prestige Version) | 15-year payment | 10.0 | 5.1% | 5.8% |
| 2 | 富通 FTLife | "Joyful Life" Insurance Plan | 15-year payment | 8.7 | 4.5% | 5.2% |
| 3 | 富通 FTLife | "Joyful Life" Insurance Plan | 20-year payment | 8.5 | 4.3% | 5.2% |
| 4 | 永明金融 Sun Life | LIFE Brilliance | 15-year payment | 8.4 | 4.6% | 4.8% |
| 5 | 安達人壽 Chubb | Chubb Platinum Plus Insurance Plan | 18-year payment | 8.2 | 3.3% | 5.5% |
| 6 | 富衛 FWD | Easy Achiever Savings Insurance Plan 20 | 20-year payment | 8.2 | 4.5% | 4.7% |
| 7 | 中國人壽 China Life | Supreme Wealth (20-year) Whole Life Plan (Simplified) | 20-year payment | 8.1 | 4.2% | 4.9% |
| 8 | 中國人壽 China Life | Supreme Wealth (15-year) Whole Life Plan (Simplified) | 15-year payment | 7.9 | 4.1% | 4.7% |
| 9 | 永明金融 Sun Life | LIFE Brilliance | 20-year payment | 7.6 | 3.9% | 4.6% |
| 10 | 中國太平 China Taiping | Taiping EliteLife Protection Plan | 20-year payment | 7.5 | 3.9% | 4.5% |
Company
Product
Product
富通 FTLife
富通 FTLife
永明金融 Sun Life
安達人壽 Chubb
中國人壽 China Life
中國人壽 China Life
永明金融 Sun Life
中國太平 China Taiping
Rank
Payment
Term
Term
10Life Projected Return Score
20-year
IRR
IRR
30-year
IRR
IRR
1
15-year payment
10.0
5.1%
5.8%
2
15-year payment
8.7
4.5%
5.2%
3
20-year payment
8.5
4.3%
5.2%
4
15-year payment
8.4
4.6%
4.8%
5
18-year payment
8.2
3.3%
5.5%
6
20-year payment
8.2
4.5%
4.7%
7
20-year payment
8.1
4.2%
4.9%
8
15-year payment
7.9
4.1%
4.7%
9
20-year payment
7.6
3.9%
4.6%
10
20-year payment
7.5
3.9%
4.5%
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, 15 to 30 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
