What is Guaranteed Cash Value and how can I calculate my Guaranteed Cash Value?

Guaranteed Cash Value is the amount payable to you upon policy surrender or at maturity. It grows over the Policy years and is calculated based on the Total Premium. You may try our savings calculator or refer to the illustrative example in the Product Summary for more details.

What do “guaranteed rate up to 3.5% p.a.” and “118.8% of total premium paid” refer to?

If you hold the WeSave E1 policy for its entire 5-year Benefit Term, you are eligible to the guaranteed rate of return of 3.5% p.a. The amount is equivalent to 118.8% of your total premium paid.

What is Death Benefit?

Death Benefit is payable if the Life Assured individual dies during the Policy’s duration. The benefit is equivalent to 101% of Total Premium Paid or 100% of Guaranteed Cash Value, whichever is higher.

What is Accidental Death Benefit?

If the death of the Life Assured individual is caused by an accident, we will pay an Accidental Death Benefit equivalent to 100% of Total Premium Paid. This is in addition to Death Benefit, and is subject to a maximum of USD125,000 per Life Assured individual across all WeSave E1 policies. If the Life Assured individual sustains an injury resulting in their death within 180 days from the date of the accident, an Accidental Death Benefit will be paid together with Death Benefit to your nominated beneficiary.

Can I borrow any cash amount or partially withdraw from Guaranteed Cash Value?

No, policy loan is not applicable and you could only surrender the policy to get the Guaranteed Cash Value in full before the policy matures.

What may happen if I surrender my policy before maturity? How much money can I get back?

You will receive your surrender benefit which is your Guaranteed Cash Value as of surrender effective date or policy paid-to-date, whichever is earlier. However, please note that if you surrender your policy before maturity, your Surrender Benefit amount may be considerably less than your total premium paid.

High Return Savings Insurance | WeSave E1 Insurance Plan

WeSave E1 Insurance Plan

KEY BENEFITS HOW IT WORKS WHAT’S COVERED COMPARISON FAQS

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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 3.5% p.a., which means you can get a total guaranteed cash value up to 118.8% 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 118.8% of the total premium paid when the policy matures, representing a guaranteed rate of 3.5% 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)

Select your savings amount (Single premium payment)

Displayed in HK$
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 Year	Total 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 “3.5% 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

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	3.5% p.a., equivalent to a total return of 118.8% 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 3.5 % 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.

Product Summary Policy Provisions

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 3.5%※ 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 2.7%※ 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

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※The “3.5% 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.

※ “The 2.7% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term.

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	102,250
2	90,000	104,551
3	100,000	107,164
4	108,000	110,111
5	118,800	114,296
Maturity Return	3.5% p.a.*, equivalent to a total guaranteed cash value of 118.8%^ of Total Premium Paid upon maturity.	2.7% average p.a.#, equivalent to a total account value of 114.29%^ of Total Premium Paid upon maturity.
	Get a Quote	Learn more

*The “3.5% 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 2.7% 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

What payment methods can I choose?

Payment methods are as follows:

Payment method	Currency allowed
Online payment through HSBC	HKD
ATM payment through HSBC	HKD
Phone payment through HSBC	HKD
Bank Transfer	HKD
Cheque	HKD/USD

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.

Key Product Risks

Credit Risk

This product is an insurance policy issued by the Company. Premium(s) paid become assets of the Company and as suchany benefits payable to you are subject to the credit risk of the Company. The Company’s financial strength and solvency will affect its ability to satisfy its financial and contractual obligations. If we are unable to satisfy the financial and contractual obligations of the policy, you may lose your premium paid and benefits.

Inflation Risk

The cost of living in the future is likely to be higher than now, due to inflation. This means that the purchasing power of any Benefit Amount paid in the future may be less than its value today, even if the Company meets all of its contractual obligations.

Early Surrender Risk

For any early surrender before the maturity of the policy, especially at the early stage upon policy inception, you may only receive the Surrender Benefit which may be considerably less than your Total Premium Paid.

Policy Currency Risk

The policy currency is USD. The actual premiums you pay or actual benefit amount you receive in non-policy currency will be subject to the prevailing exchange rate determined by us. During currency conversion, the Guaranteed Cash Value in nonpolicy currency of your policy may be reduced significantly if USD depreciates substantially due to exchange rate fluctuations; or your premium payment including levy payment in non-policy currency may be increased significantly if USD appreciates substantially due to exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.

Risk of Delayed Payment of Surrender Benefit

Upon our receipt of your termination notice, we shall arrange the payment of Surrender Benefit to you. However, the Company may defer the payment for up to six (6) months from the date we receive your termination notice.

Liquidity Risk

The Policy Benefit Term of this Plan is 5 years. If you surrender your policy before the maturity of the policy, you may only receive the Surrender Benefit which may be considerably less than your Total Premium Paid.

Remarks: *The “3.5% 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.

Save for a better tomorrow

Competitive guaranteed return

Hassle-free wealth management

Start your savings insurance plan anytime