WeSave E1 Insurance Plan

Limited offer. Apply now to enjoy guaranteed rate up to 3.1% p.a. *

and a free "WeCare Personal Accident Protection Plan 1"^

Save for a better tomorrow

Want to achieve different goals after 5 years? WeSave E1 Insurance Plan (the "Plan" or “WeSave E1”) guarantees a rate 3.1% p.a., which means you can get a total guaranteed cash value up to 116.5% of total premium paid upon maturity, getting you closer to your goals. You can enjoy a 5-year guaranteed return when the Plan reaches maturity with just a single premium payment.

Competitive guaranteed return

Our new savings insurance product provides you the total guaranteed cash value up to 116.5% of the total premium paid when the policy matures, representing a guaranteed rate of 3.1% p.a., making the most of your investment with minimum risk.

Hassle-free wealth management

Too busy to manage your investments? Live in the moment and leave the wealth management to us. You can simply sit back and await our great return to help you achieve your goals. The maximum savings amount is USD1 million.

Start your savings insurance plan anytime

The Plan is simple and straightforward. You can apply for the Plan anytime by making a single premium payment through online transfer¹.

Want to know how much you can get after 5 years?

Try our calculator to calculate your return (Policy currency is US Dollar; exchange rate for reference only)

Displayed in HK$
$4,000
$1,000,000
Reference exchange rate: 1.00 US$ = 0 HK$Policy currency is US Dollar,the exchange rate is for reference only

Estimated value in 5 years

End of Policy YearTotal Premiums Paid (US$)Guaranteed Cash Value (US$)

The calculator is for illustration only and does not account for levy payment. The Guaranteed Cash Value illustrated may differ slightly from the actual benefit amount payable due to rounding differences. *The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.

Kick start a bright future ahead - Live outside the box with a steady return

Charlotte ( 25-year-old )
Charlotte ( 25-year-old )

Begin early to aim for more

25-year-old Charlotte is having a stable income. She wishes to accumulate wealth through steady return but does not have much investment knowledge. She applies for WeSave E1 Insurance Plan and pays a single premium of USD20,000. After 5 years when the Plan matures, she gets all principal amount and guaranteed returns of USD 3,300. She gains a total return of 16.5% with the guaranteed rate of 3.1% per annum.

Tommy(30-year-old)
Tommy(30-year-old)

Plan now for the new journey

Tommy, at the age of 30, is taking on more obligations and strives for financial freedom. Amidst market uncertainty, Tommy hesitates in taking risks in the stock market. He plans to keep a part of capital as savings for stable wealth accumulation. He applies for WeSave E1 Insurance Plan and pays a single premium of USD50,000. After 5 years when the Plan ends, he gets all principal amount and USD8,250 guaranteed returns.

Peter(55-year-old)
Peter(55-year-old)

Prepare for the next adventure

Peter, at the age of 55, is planning for retirement. He sold his property as retirement funds. Due to market conditions, he aims at getting a stable guaranteed return to accumulate wealth. Therefore, he applies WeSave E1 Insurance Plan and pays a single premium of USD800,000. When the Plan matures after 5 years, he gets all principal amount and USD132,000 guaranteed returns to start his retirement life earlier.

Key Features and Benefits²

Key Summary

Key Coverage

Basic Information

Policy Currency

USD

Issue Age

18-70

Policy Benefit Term

5 years

Premium Payment Term

Single payment

Maximum Cover Age

75

Premium Payment Frequency

Single premium

Minimum Premium Amount (per policy)

USD 4,000

Maximum Premium Amount (per Life Assured)

USD 1,000,000 The aggregate premium limit across all WeSave E1 policies is limited to a maximum of USD 1,000,000.

Partial Surrender

Not applicable

Guaranteed Maturity Return

3.1% p.a., equivalent to a total return of 116.5% of Total Premium Paid

Benefits

Surrender Benefit

100% of Guaranteed Cash Value

Maturity Benefit

100% of Guaranteed Cash Value

Death Benefit

The higher of the following:
.101% of Total Premium Paid
.100% of Guaranteed Cash Value

Accidental Death Benefit

If the death of the Life Assured individual is caused by an accident, in addition to Death Benefit, an extra 100% of Total Premium Paid will be given, subject to a maximum of USD 125,000 per Life Assured under all WeSave E1 policies.

What’s so special about the Plan?

What’s not covered?

  • A rate of up to 3.1 % p.a.* is guaranteed to make all dreams possible.
  • Enjoy a 5-year protection with a single premium payment and live in the moment!
  • If the Life Assured individual commits suicide within the first year of policy, Death Benefit will not be payable; however, 100% of Total Premium Paid will be payable.
  • Accidental Death Benefit will not be payable for the Life Assured individual’s participation in semi-professional or professional sport, whether practice, training or competition.

No matter what savings goals you have, we offer different plans to help you achieve them!

Plan comparison

WeSave E1 Insurance Plan

High return

Features

  • Savings amount up to USD 1 million

  • A guaranteed annualized rate of return of 3.1%※ after the 5-year plan reaches maturity

  • Invest with a single premium payment to get a competitive return after 5 years (Early surrender charges apply)

This plan works best for you, if …

  • You have relatively low financial burden (e.g. paid off mortgage loan, personal loan and debt)

  • You have sufficient funds to deal with emergency needs

VS

WeSave S3 Insurance Plan

Flexible

Features

  • Savings amount up to USD 1 million

  • An average 2.3%※ guaranteed annualized rate of return during the 5-year plan

  • Principal and return guaranteed with no early surrender charge

This plan works best for you, if …

  • You have relatively high financial burden (e.g. haven’t paid off mortgage loan, personal loan and debt)

  • You are lack of sufficient funds to deal with emergency needs

※ “The 2.3% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term.  The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.

Example

Savings amount: USD100,000

WeSave E1 Insurance Plan Guaranteed Cash Value (USD)

WeSave S3 Insurance Plan Account Value (USD)

End of Policy Year

Guaranteed Cash Value (USD)

Account Value (USD)

0

70,000

100,000

1

80,000

102,000

2

90,000

104,040

3

100,000

106,381

4

108,000

109,040

5

116,500

112,094

Maturity Return

3.1% p.a.*, equivalent to a total guaranteed cash value of 116.5%^ of Total Premium Paid upon maturity.

2.3% average p.a.#, equivalent to a total account value of 112.09%^ of Total Premium Paid upon maturity.

  • *The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.

  • ^It may differ slightly from the actual percentage due to rounding differences.

  • #“The 2.3% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term.

Frequently Asked Questions
Product Features & Benefits
Policy Currency & Premium
Policy Application & Payment
Policy Servicing

This FAQ is provided for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Blue Insurance Limited reserves the right of final approval and decision on all matters.

Remarks: *The “3.1% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term. Early surrender charges apply during the first 3 policy years.