Enjoy up to a 5% premium discount every policy year#
# For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
IncomeBliss Deferred Annuity Plan (“IncomeBliss”) is certified by the Insurance Authority as a Qualifying Deferred Annuity Policy (“QDAP”). Beyond giving you the advantages of tax deduction and a reliable stream of annuity payments in retirement, IncomeBliss empowers you with options to craft your own vision for your golden years.
Why choose IncomeBliss Deferred Annuity Plan ?
Having devoted years of hard work to hone your expertise or nurture your family, it’s time to plan the well-deserved retirement you have always envisioned. While securing a steady income stream is a smart move, having choice can make a difference.
A participating deferred annuity insurance plan, IncomeBliss not only offers a reliable stream of monthly annuity payments and tax deduction1, but also empowers you with choices to fully realise your vision of a blissful future.
IncomeBliss received:
“5-Star QDAP Growth Income Award” from 10Life 5-Star Insurance Award 2025
IncomeBliss’s Key Advantages
- A choice of premium payment term, annuity period and policy currency of HKD / USD for maximum flexibility
- Receive monthly annuity payments as early as age 502
- Enjoy steady of monthly annuity income and potential for extra wealth growth3
- Take advantage of tax savings to accumulate more for the future
- Stay protected during challenging times with accident premium waivers4 or extended grace periods5 for premium payments
- Peace of mind with life coverage and dementia advance benefit6
See how IncomeBliss can help you shape the retirement plan
Are you an office professional struggling to balance your busy working schedule? We’re here to remind you that it’s not just about working smart — it’s also about saving smart and planning smart.
Explore the unique savings advantages offered by IncomeBliss across the policy period and see how it can enrich your financial future.
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Disclaimer
Reward 3C - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3C of the Promotion provides customers an offer of guaranteed preferential interest rate of 4.5% per annum△ on the prepaid amount for the 1st policy year.
To enjoy this offer, simply opt for lump sum payment arrangement and pay a lump sum payment with levy at the time of application of your Max Wealth Insurance Plan. The lump sum payment with levy to be applied as follows:
(i) pay for annual premium of the 1st policy year and the corresponding levy ; and
(ii) deposit fund in advance into the future premium deposit account for premium payment of the 2nd policy year (“Prepaid Amount”) and the corresponding levy. The Prepaid Amount will accumulate interest in the 1st policy year at a guaranteed preferential interest rate of 4.5% per annum in the future premium deposit account. At the end of the 1st policy year, the interest accrued will be credited to the future premium deposit account, and the Prepaid Amount and its accrued interest will be equal to the annual premium of the 2nd policy year and will be automatically deducted from the future premium deposit account to settle the annual premium for the 2nd policy year and the corresponding levy when due.
Table 3C
Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate | |
Designated Basic Plan | |
Designated Basic Plan | Max Wealth Insurance Plan ^ |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | 4.5% per annum△,9 |
“First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers
If a customer (i) is a holder of and / or an insured under a basic plan of Max Wealth Insurance Plan and (ii) successfully applies for a TotalAssure Critical Illness Plan / TotalAssure Plus Critical Illness Plan within the Promotion Period, the customer may be entitled to the “First 10 Years TotalAssure Coverage Benefit” , subject to relevant terms and conditions as set out in the leaflet for the “First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
△The guaranteed preferential interest rate of 4.5% per annum is applicable to the Prepaid Amount only.
^ Only applicable to Max Wealth Insurance Plan with the Lump Sum Payment arrangement selected.
9. For details of Reward 3C, please refer to the section of Reward 3C of the Terms and Conditions stated in the promotion leaflet.
Max Goal II Insurance Plan Premium Discount
Table 3D
Max Goal II Insurance Plan Premium Discount | ||||||||
Designated Basic Plan | ||||||||
Designated Basic Plan | Designated Basic Plan | Max Goal II Insurance Plan | ||||||
Single Premium of Designated Basic Plan | ||||||||
Single Premium of Designated Basic Plan | Single Premium of Designated Basic Plan | Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | ||||||
Below USD500,000 | ||||||||
Below USD500,000 | Below RMB3,250,000 | Below HKD4,000,000 | 1%11 | |||||
USD500,000 - USD999,999 | ||||||||
USD500,000 - USD999,999 | RMB3,250,000– RMB6,499,999 | HKD4,000,000– HKD7,999,999 | 2%11 | |||||
USD1,000,000 or above | ||||||||
USD1,000,000 or above | RMB6,500,000 or above | HKD8,000,000 or above | 3%11 | |||||
11. For details of Reward 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3A – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, customer may be entitled to premium refund on future premium(s).
Table 3A
Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan Premium Refund | |||||
Designated Basic Plans | |||||
Designated Basic Plans | Designated Basic Plans | Wealth Advance Savings Series II – Ultimate | Wealth Ultra Savings Plan | ||
Premium Payment Term | |||||
Premium Payment Term | Premium Payment Term | 5 years | 10 years | 8 years | |
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | |||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | USD5,000 or above | |||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | 5%7 | 10%7 | 7%7 | |
7. For details of Reward 3A, please refer to the section of reward 3A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 2A – Designated Critical Illness Products Premium Refund
Table 2A
Designated Critical Illness Products Premium Refund | ||||
Designated Basic Plans | ||||
Designated Basic Plans | - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | |||
Premium Payment Term | ||||
Premium Payment Term | 10 years | 15 years | 20 years | 25 years |
Premium Refund on Each Eligible Basic Plan of Reward 2A# | ||||
Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months6 | 2 months6 | 3 months6 | 3 months6 |
6. For details of Reward 2A, please refer to the section of Reward 2A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
IncomeBliss Deferred Annuity Plan – Product Marketing Video
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