ZA Savings Insurance

Principal protected with guaranteed return. Maturity return as high as 2.5%# p.a.

Early surrender partially or in full anytime, without charges

Minimum Premium amount from HK$1, start your saving plan today!

Guaranteed return accumulates daily, to achieve your short-term savings target⁺

Calculator
Summary of Illustrated Benefits

Benefit Term

3 years

Premium Payment Term

Single Premium

Premium amount (HK$)

Premium should be between HK$ 1 - HK$ {tag}*

2.5% p.a. guaranteed return at policy maturity after 3 years#

@ Death Benefit =
 Whichever is higher below :
1. Total Premium paid x 105%– all partial surrender; or

2. Guaranteed cash value.

Explanation Notes

The table above is only a summary illustration of the major benefits of your basic plan excluding any supplementary benefits (if applicable) and assumes that all premiums are paid in full when due. You should refer to your licensed insurance intermediary or the ZA Insure for more information or, if appropriate, a more detailed proposal.

The amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.

The Guaranteed Cash Value any time before Policy Maturity equals to 100% of your Total Premiums Paid.

When reviewing the values shown in the above illustration in the table above, please note that the cost of living in the future is likely to be higher than it is today due to inflation.

Warning:

You should only apply for this product if you intend to pay the premium for the whole of the premium payment term.

Premium
HK$ --

* Maximum aggregated premium is HK$500,000 per insured, including all in force, cooled-off, surrendered case.

^ The above figures are rounded to the nearest 2 decimal places and are for illustrative purposes only. The figures do not include insurance levy. The guaranteed cash value between years will be interpolated on a daily basis.

# The guaranteed maturity return 2.5% p.a. is equivalent to 107.7% of total premium paid with assuming no partial surrender. Figure may differ slightly due to rounding.

+ The guaranteed return shall accumlate from the premium recevied date and is calculated on a daily compound basis. If you choose to cool-off the policy during the cooling off period, you will receive only the total premium paid as refund.

Product details

ZA Savings Insurance is a long term insurance product with savings elements for the preparation of saving need and financial protection against adversities. I understand that it is an insurance policy underwritten by ZA Insure and it is not a bank deposit or bank savings plan. 

Benefits

  • Maturity benefit

    2.5% p.a. guaranteed maturity return

  • Partial or full surrender

    Can anytime surrender partially or fully after cooling-off period without any charges.

  • Death Benefit

    1. Total Premium paid x 105%– all partial surrender; or
    2.Guaranteed cash value;
    Whichever is higher.

Issue Age

18 – 70 (Age last birthday)

Benefit Term

3 years

Sum Insured

HK$1 to HK$500,000 (Maximum aggregated premium is HK$500,000 per insured, including all in force, cooled-off, surrendered case.)

Premium Payment Term

Single Premium

Currency

HK$