92% respondents underestimate lifespan – by 10.6 years on average1
Respondents believe that their average expected lifespan is 82 years¹, which is significantly lower than the average expected lifespan provided by the Census and Statistics Department of Hong Kong
Respondents believe that their average expected lifespan is 82 years¹, which is significantly lower than the average expected lifespan provided by the Census and Statistics Department of Hong Kong
With an average annual inflation rate of 3%, the purchasing power of HKD1,000,000 today will be equivalent to HKD410,000 in 30 years
From 2009 to 2018, the average inflation rate in Hong Kong was 3.03%³
From 2009 to 2018, the average inflation rate in Hong Kong was 3.03%³
Among people aged 65 or above, around 70% of them are suffering from chronic illness4
1 out of 4 people will have chances of developing cancer by 75 years old5
1 out of 4 people will have chances of developing cancer by 75 years old5
Retirement Savings Golden Ratio is 2:17
On average, for every 2 years of work, you should save at least 1 year of retirement expenses7
On average, for every 2 years of work, you should save at least 1 year of retirement expenses7
Building wealth through passive income is an essential part of retirement planning. You can create steady monthly income for retirement while pass on wealth to the next generation
By leveraging life insurance, you can enhance the quality of retirement life without affecting the wealth that heirs can enjoy
By leveraging life insurance, you can enhance the quality of retirement life without affecting the wealth that heirs can enjoy
Qualifying deferred annuity policy (“QDAP”) allows tax deduction claim for qualifying premiums paid. Designed to receive 10 or 20 years of monthly annuity and lump-sum amount against covered diseases paid to designated family member for financial relief. Plan early to enjoy financial freedom in retirement.
Single Premium policy for long-term monthly income and legacy planning. Designed to receive monthly income for better financial liquidity, also allow to pass on your wealth and the monthly income to your loved ones. Different death benefit settlement options to safeguard your family.
Regular Premium policy for long-term monthly income and legacy planning. Designed to receive monthly income for better financial liquidity, also allow to pass on your wealth and the monthly income to your loved ones. Distribute your wealth flexibly as your family grows.
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1. Prudential “Longevity Resilience Survey” September 27, 2022
2. Average life expectancy data from the Census and Statistics Department of the HKSAR Government
3. Statistical Reports on the Consumer Price Index from the Census and Statistics Department of the HKSAR Government
4. 2021 Population Census: Key Findings from the Census and Statistics Department of the HKSAR Government
5. “Cancer Statistics in 2021.” Hong Kong Cancer Registry, Hospital Authority. Nov. 2023
6. Prudential “2022 Individual Life Claims Report”
7. “積金Secrets” by the Mandatory Provident Fund Schemes Authority (MPFA)
8. Hong Kong Investment Funds Association
9. Assumed example: The policyholder is a 50-year-old non-smoking male, mainly residing in Hong Kong, with a health rating of standard. After completing a financial needs analysis, he undertook a designated single premium whole life insurance place. All reference numbers are rounded for illustrative purposes. All prospective policyholders must complete a financial needs analysis and pass the underwriting process before determining the final approval result for insurance. The above example is for illustrative purposes only and has no sales purpose. All information about this example is subject to the terms and conditions of the policy contract and may change in the future.
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