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Enjoy stable 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 2.0% p.a.*, with daily guaranteed crediting interest. Fully withdraw your fund and guaranteed return whenever you need with no charge of policy surrender!

*“The 2.0% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term.

guranteed savings insurance plans
Stable 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 2.0% p.a.*. Start saving with us with an entry premium at as low as USD4,000.
savings insurance no surrender charge
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.
savings insurance no surrender charge
Hassle-free application
With our simple and easy application process, you can start your savings 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 Savings Increase in Value?

Try our savings calculator to calculate your return

Savings amount

US$

US$4,000

US$250,000

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.

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Grow Your Wealth with Ease; Plan Your Finances Freely

Take a look at how the Plan can suit different financial needs:
Clara, Career Starter: Flexible Use of Savings
saving insurance no penalty fees

Clara worked for five years after graduation from university. She had a savings habit since she was a kid, and set a savings goal for herself every year. Without much investment knowledge, she hoped to choose a savings plan with a steady return to grow her personal wealth. Therefore, Clara decided to go for WeSave S3 Insurance Plan and paid a single premium of USD15,000 in full. Three years later, Clara’s family needed urgent financial assistance, so she decided to surrender her policy and withdraw the full amount to cater such financial needs. At last, she received USD 15,817 as surrender benefit to cope with the situation without paying any penalty fees.

James, A First-Time Dad: Savings for Family Expenses
savings insurance high guranteed return

James, at the age of 33, had a newborn baby. He reckoned that there could be quite a lot of unexpected expenses, so he set aside some idle cash. He was wondering if he could invest in a flexible low-risk savings plan instead of leaving money with cash depreciating. In the end, James decided to go for WeSave S3 Insurance Plan and paid a single payment of USD 50,000 in full. He withdrew the savings in 3 years later due to an emergency, getting the principal amounts of USD50,000 and a guaranteed return of USD 2,723.

David, Engineer: Guaranteed Return to Accumulate Wealth
savings insurance retirement

David, an engineer aged 55 years old, began planning for his retirement. He planned to save a sufficient amount of money to support his retirement life five years later. In the face of the uncertain market conditions and his busy work schedule, David wanted to build his retirement funds with a guaranteed savings plan providing stable return, and at the same time a plan that would not take him too much time to manage. He decided to apply for WeSave S3 Insurance Plan, paying a single premium of USD150,000 in full. Five years later when the savings plan matured, David successfully got back his principal amounts of USD150,000 and guaranteed return of USD15,690, giving him a perfect start to his carefree retirement.

Key Features and Benefits1

Get to know more about our Plan
Key Summary Key Coverage
Policy Currency USD
Issue Age 18-65
Policy Benefit Term 5 years
Premium Payment Term Single payment
Maximum Cover Age 70
Premium Payment Frequency Single premium
Minimum Premium Amount (per policy) Single premium: USD 4,000
Maximum Premium Amount (per Life Assured individual) Single premium: USD 250,000
The aggregate premium limit across all WeSave S series policies2 is limit to a maximum of USD 250,000.
Premium Change Not Applicable
Partial Withdrawal Not Applicable
Guaranteed Crediting Interest Rate (per annum)
Policy year Guaranteed Crediting Interest Rate (p.a.)
1 1.70%
2 1.70%
3 1.950%
4 2.20%
5 2.50%
Fees and Charges No charges
Surrender Benefit 100% of Account Value
Death Benefit 101% of Account 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 Account Value will be given, subject to a maximum of USD 125,000 per Life Assured under all WeSave S series policies2.
What’s so special about the Plan?
A 2.0% p.a.*return is guaranteed for easy achievement of saving goals.
You can surrender your policy at any time and enjoy the interest earned, so you can manage your wealth with more flexibility.
What item is not covered?
If the Life Assured individual commits suicide within the first year of policy, Death Benefit will not be payable, however, 100% of Account Value 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.

*“The 2.0% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term.

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

Example

Flexible

WeSave S3 Insurance Plan

  • Savings amount up to USD 250,000
  • An average 2.0% 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
Get a quote
VS

High return

WeSave E1 Insurance Plan

  • 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
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
Learn more
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 2.0% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term.