Respective terms and conditions apply to the above product and offer.

Respective terms and conditions apply to the above product and offer.

Flexible Policy and High Returns

What’s more, we’ve launched a limited-time promotional that can help you attain even higher returns – with an average crediting interest rate reaching up to 3% p.a.*. Maximum premium amount is up to US$1,000,000. And of course,you can fully withdraw your funds and guaranteed returns at no charge. Don’t miss this exclusive offer!
Higher Return Rate
Enjoy a guaranteed average crediting interest rate of 3% p.a.* during the 5-year policy period!
Take Back Control of Your Savings
Achieve your financial goals with premiums ranging from US$8,000 to US$1,000,000!
Flexible Policy Surrender
Withdraw your principal and guaranteed returns in one lump sum to meet your emergency needs with no penalty.

Debunking the Myth of “High Yield Savings = Long Lock-in Period”

Generally speaking, high-interest savings insurance plans often require you to lock in your premium for a long period of time. In the case of an emergency where you need to withdraw your funds before it reaches maturity, you may lose your principal amount. The Promotion gives you the 3 advantages of “high yields”, “flexibility” and “steady returns” to safeguard your future cashflow. You can withdraw your total amount of funds and enjoy your guaranteed returns in a lump sum with no penalty or charges whenever you decide to surrender your policy.

Undaunted Market Changes, Daily Guaranteed Crediting Interest

Combatting the low bank interest rates and an unstable investment market, the Promotion provides a daily interest pay-out with a guaranteed average crediting interest rate of as high as 3% p.a*.

Complete your application in as fast as 5 Minutes

You can complete your application online anytime, in as quick as 5 minutes! Pay your premium online, via phone banking or ATMs. The policy could be issued in as fast as a day after Blue receives the related premium.

Jasmine, Experienced Accountant - Planning for Early Retirement

Jasmine has a high and stable income, savvy investment habits, and a high-risk investment tolerance. Due to the volatile stock market, she chooses to be more conservative, leaning towards a secure insurance savings plan to manage her personal wealth. Jasmine applied for the Promotion with a single premium of US$100,000. Upon maturity, Jasmine successfully received her principal of US$100,000 and guaranteed return of US$15,950 to start her planning for early retirement.

Jeff, Start-up Founder - Saving to Start a Family

Jeff has accumulated wealth after getting his start-up company on track. He started saving up to start a family and had considered various savings products in the market, looking for one that would provide a flexible cash flow plan. Jeff ultimately applied for two insurance savings policies under the Promotion, each with a single premium of US$20,000 to cater for any sudden expenses. Two years later, Jeff decided to surrender one of his policies and withdrew the total amount. He eventually received US$20,808 without any surrender charges.

Key Features and Benefits 1

Get to know more about our Promotion
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: US$8,000
Maximum Premium Amount (per policy) Single Premium: US$1,000,000
The aggregate premium limit across all WeSave S series policies2 is limited to a maximum of US$1,000,000.
Premium Change Not applicable
Partial Withdrawal Not applicable
Guaranteed Crediting Interest Rate (p.a.)
Policy year Guaranteed Crediting Interest Rate (p.a.)
1 2.00%
2 2.00%
3 3.00%
4 3.00%
5 5.05%
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 US$125,000 per Life Assured under all WeSave S series policies2.
Highlights of the Promotion
You can surrender the policy at any time and enjoy the interest earned so that you can manage your wealth with more flexibility.
Up to 3% p.a.* return is guaranteed, allowing you to achieve saving goals easily.
What items are not covered?
If the life assured individual commits suicide within the first year of the 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 3% p.a.” refers to the guaranteed annualized rate of return should the policy be held for its entire five-year benefit term.
Above information is for reference only. Please refer to the plan’s Product Summary and Policy Provision for detail.

Frequently Asked Questions about WeSave S3 Insurance Plan (Plus) Limited Offer
For details about WeSave S3 Insurance Plan, please refer to the WeSave S3 Insurance Plan product introduction web page.

Terms and conditions of “WeSave S3 Insurance Plan (Plus) Limited Offer”:

  1. The “WeSave S3 Insurance Plan (Plus) Limited Offer” entitles applicants to an average 3% p.a.* guaranteed annualized rate upon successful application of WeSave S3 Insurance Plan (the “Plan”) within the Promotional Period (this “Promotion").
  2. This Promotion is offered by Blue Insurance Limited (the “Company”).
  3. This Promotion is available from now until 17th December 2021 (inclusive) (“Promotional Period”). To be eligible for this Promotion, applicant must successfully complete the application and payment for WeSave S3 Insurance Plan, using the designated promo code, (“WeSave S3 (Plus)”) through the Company’s website within the Promotional Period ("Eligible Applicant").
  4. This Promotion is subject to limited quota for the first 1,000 successful applications within the Promotional Period.
  5. Under the Promotion, the minimum premium amount (per policy) is US$8,000; the maximum premium amount (per policy) is US$1,000,000. The aggregate premium limit across all WeSave S series policies2 is limited to a maximum of US$1,000,000.
  6. The Plan is a savings insurance plan, not a bank savings product.
  7. All policy provisions of the Plan remain unchanged. Please see the policy provisions for details.
  8. The total premium includes insurance levy to be collected by the Insurance Authority.
  9. This Promotion is only applicable to the policies issued in Hong Kong.
  10. This Promotion cannot be exchanged for cash or its equivalent.
  11. The Company reserves the right to amend the terms and conditions of this Promotion or discontinue them at any time without prior notice.
  12. The above information is for general reference only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of the Company. Details of the coverage of the Plan are subject to the policy provisions stipulated in the policy by the Company.
  13. This Promotion is subject to these terms and conditions. The Company has the right to reject any applications and if there are any disputes, the Company's decision is final and conclusive.
  14. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.