WeSave S3 Insurance Plan
Flexible, surrender anytime at no charge
Guarantees an average crediting interest rate of 2.7% p.a.*
Remarks
Enjoy high returns and flexible withdrawal in one go!
In light of low bank interest rates, how to grow your money with ease? WeSave S3 Insurance Plan (the “Plan”) guarantees an average crediting interest rate of 2.7% p.a.*, with daily guaranteed crediting interest. Fully withdraw your fund and guaranteed return whenever you need with no charge of policy surrender!
*“The 2.7% p.a.” refers to the guaranteed average annualized rate of return should the policy be held for its entire five-year benefit term.
High returns and low entry premium
Receive guaranteed returns starting from the day your policy begins and during the entire five-year benefit term. With the Plan, you can enjoy the guaranteed average interest rate of 2.7% p.a.*. Start the Plan with us with an entry premium at as low as USD4,000.
Withdraw your money whenever you need
Unexpected events happen more than you think! With the Plan, you can fully withdraw your funds and guaranteed returns at no charge, even if you surrender your policy before the policy ends.
Hassle-free application
With our simple and easy application process, you can apply for the Plan in as fast as 5 minutes. To complete the application, you can manage your premium payment through online banking, phone banking or ATM.
Want to Know How Your Wealth Increase in Value?
Try our calculator to calculate your return (Policy currency is US Dollar; exchange rate for reference only)
Displayed in HK$
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$) |
|---|
Year End Guaranteed Crediting Interest Rate (p.a)
The table above states your benefit amount with the assumption that all premiums are received by the Company in full. The savings calculator is for illustration only and does not account for the levy to be collected by the Insurance Authority. The Account Value indicated above may differ from the actual benefit amount due to rounding differences.
Key Features and Benefits¹
*“The 2.7% p.a.” refers to the guaranteed average annualized rate of return should the policy be held for its entire five-year benefit term.
Plan comparison
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
VS
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
* “The 2.7% p.a.” refers to the guaranteed average annualized rate of return should the policy be held for its entire five-year benefit term.
#The “3.2% 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
^ It may differ slightly from the actual percentage due to rounding differences.
*“The 2.7% p.a.” refers to the guaranteed average annualized rate of return should the policy be held for its entire five-year benefit term.
#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.
Frequently Asked Questions
Why should I buy “WeSave S3 Insurance Plan”?
Is the crediting interest rate guaranteed?
What does “2.7% p.a.” refer to?
How is interest calculated?
Is it necessary to hold the plan until maturity in order to get the guaranteed return?
What is Death Benefit?
What is Accidental Death Benefit?
What is Account Value and how is it calculated?
What is the policy currency?
Can I choose which currency to make premium payments and receive my money amount?
What exchange rate does Blue use to determine the premium payments and benefit amount? Where can I find the latest exchange rate?
Can I change the policy currency?
Can I make additional regular payments?
Are there any premium limits?
How long does it take to process an application and begin a plan?
Why do you need face-to-face identity verification, and what is the procedure of this verification? Can this be arranged outside of your company?
What payment methods can I choose?
Will I receive an official receipt after my premium payment?
What if I change my mind after purchasing the plan?
How can I terminate my policy and get back my savings? When and how will the benefit be paid?
How can I keep track of my Account Value?
How can I claim back my savings when the policy ends after five years?
Can I apply for a policy loan?
How can I designate a beneficiary?
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.
Other Information
Key Product Risks
Click for important notes and disclaimers
Disclaimer on fraudulent Blue Insurance Limited’s social media account