KV-E1-3.5

Exclusive offer for selected customers Apply now to enjoy guaranteed rate up to 3.5%*

Grand launch of WeSave E1 Insurance Plan

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 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.

Piggy Bank

Competitive guaranteed return

Our new savings insurance product provides you the 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.

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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 savings calculator to calculate your returns.

Displayed in HK$

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 “3.5% 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.

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

Promotion plan: Single Premium Amount(Fixed)

USD 10,000

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.

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 rate of 3.5% p.a.* after the 5-year plan reaches maturity

  • Invest with a single premium payment to get a competitive return after 5 years

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

*The “3.5% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire 5-year benefit term. Early surrender charges apply during the first 3 policy years.

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

Example

Savings amount: USD100,000

WeSave E1 Insurance Plan

WeSave S3 Insurance Plan

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

118,800

112,094

Maturity Return

Guaranteed rate of up to 3.5% p.a.*, equivalent to a total return of 118.8% of Total Premium Paid

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

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

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

Frequently Asked Questions
Product Features & Benefits
Policy Currency & Premium
Policy Application & Payment
Policy Servicing
What is Guaranteed Cash Value and how can I calculate my Guaranteed Cash Value?
What do “guaranteed rate up to 3.5% p.a.” and “118.8% of total premium paid” refer to?
What is Death Benefit?
What is Accidental Death Benefit?
Can I borrow any cash amount or partially withdraw from Guaranteed Cash Value?
What may happen if I surrender my policy before maturity? How much money can I get back?

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
Terms and Conditions of “WeSave E1 Insurance Plan’s special offer”
Click for important notes and disclaimers

*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.

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