• Meet Your Needs
  • Features
  • Apply Now

Meet Your Needs

  • Guaranteed annuity to meet retirement needs

  • Short premium payment period

  • Tax deduction for premiums paid

  • Product Video

The product information here does not contain the full terms of the policy and the full terms and conditions can be found in the policy document.

Online Application Guide


  • Choices of 10 or 20 years guaranteed monthly annuity

    The Plan offers peace of mind by providing a guaranteed monthly Annuity for your selection of either 10 or 20 years that will enable you to accurately plan ahead your retirement budget.
    You may choose to receive the monthly annuities in cash; or leave them with us to accumulate at an interest rate as may be declared by the Company from time to time.

  • Premium payment for 5 years only

    You just need to pay for 5 years and you can choose either USD, HKD or RMB as policy currency.

  • Prepayment option available

    You can choose to pay all five years' premiums in a lump sum. The prepaid premium will be accumulated at a non-guaranteed interest rate of 3.20% (USD-denominated policies) / 3.00% (HKD-denominated policies) / 3.50% (RMB-denominatred policies) per annum.

  • Easy to apply, no health declaration

    You do not need to provide any health information for new applications through online digital platform. Quick and easy!

  • Annualized guaranteed Internal Rate of Return upon policy maturity: 2.16% to 3.17%

    Internal Rate of Return (IRR) is subject to the premium payment mode (i.e. monthly/annual) and policy currency you choose, but all are guaranteed. The above example is based on issue age as 45. IRR will be higher if you start your retirement plan earlier.

  • Tax deduction for premium paid

    You can apply for annual tax deductions under the salaries tax and personal assessment with Inland Revenue Department for your premiums paid with an allowance of up to HK$60,000 per taxpayer for each assessment year.

This product is a long term insurance plan underwritten by Well Link Life and is neither a bank deposit nor a bank savings plan.

This illustration is for male age 45 using annual payment mode


Apply Now

Apply Now

Internal Rate of Return at Maturity HKD 2.75% p.a. 2.80% p.a.
RMB 3.15% p.a. 3.17% p.a.
USD 2.86% p.a. 2.89% p.a.

* You can choose to pay all five years' premiums in a lump-sum during application. The prepaid premium will be accumulated at an interest rate of 3.20% (USD-denominated policies) / 3.00% (HKD-denominated policies) / 3.50% (RMB-denominated policies) per annum, which is not guaranteed and subject to change from time to time.

Product Brochure Product Brochure
Policy Terms and Conditions Policy Terms and Conditions
  • Objectives and nature of the policy
  • Benefit period and premium payment period
  • Important information
  • Major product risks
  • Cooling-off Right


  • Note:
  • 1.This plan is underwritten by Well Link Life Insurance Company Limited and intended for sale in Hong Kong only.
  • 2.The above content contains general information for reference only and does not form part of the policy. Please refer to the product brochure and Policy Terms and Conditions for details.
  • 3.Please note that the actual tax benefits of this policy would depend on your personal tax position. You should always consult with a professional tax advisor if you have any questions or doubts.

For enquiries, please click Contact Us or call our Customer Service Hotline: 
+852 2830 7500

Apply Now

You might also be interested in



More Details



More Details