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

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

High interest rate, flexibility, guaranteed return - all in one go!

High interest rate, flexibility, and guaranteed return – you can get them all with our WeSave S3 Insurance Plan (Mini) Promotion (“the Promotion”)! With this Promotion, you can enjoy up to 10% p.a. of guaranteed crediting interest rate in the first 3 months of the policy (Guaranteed Crediting Interest Rate of 2% p.a. in the first Policy year, plus an extra 8% p.a. of Bonus Guaranteed Crediting Interest Rate in the first 3 months). Furthermore, the guaranteed average crediting interest rate of the Promotion is up to 2.69% p.a.*. Start saving with as low as USD200 premium and enjoy the offer!

*“Up to 2.69% p.a.” refers to the guaranteed average annualised rate of return, in which the extra 8% p.a. Bonus Guaranteed Crediting Rate for the first 3 months has been included in the calculation, should the policy be held for its entire five years benefit term subject to the policy effective date.

Lower Premium Requirement
The minimum premium requirement of the Promotion is as low as USD200, making it easier for you to develop a saving habit.
High Return Rate
You can enjoy a guaranteed average interest rate up to 2.69% p.a.* during the policy period!
Withdraw your money in times of need
Unexpected events may happen at any time! With WeSave S3 Insurance Plan (Mini) Promotion, you can entirely withdraw your funds and guaranteed returns at no charge, even if you surrender your policy before the policy ends.

*“Up to 2.69% p.a.” refers to the guaranteed average annualised rate of return, which the extra 8% p.a. Bonus Guaranteed Crediting Rate for the first 3 months has been included in the calculation, should the policy be held for its entire five years benefit term subject to the policy effective date.

Grow Your Wealth with Ease; Plan Your Finances Freely

Take a look at how the Promotion can suit different financial needs:
(The following examples are hypothetical and are for illustrative purposes only)
Ray, College Sophomore: Invest Early and Wisely

After his freshman year, Ray decided to spend his part-time job income to apply for the WeSave S3 Insurance Plan (Mini) Promotion on 1 Aug 2021 with a single premium of USD2,000 and enjoyed an extra 8% p.a. Bonus Guaranteed Crediting Interest Rate for the first 3 months. At the 3rd policy anniversary, he decided to terminate the policy and withdraw the total amount to support his graduation trip. Ray received USD2,168 as surrender benefit without paying extra fees. It accomplished his goal of going on a dream graduation trip.

Vicki, Investment Apprentice: Saving for Family

Vicki, as a young housewife, had been saving for unexpected incidents expenses for her family. To safeguard her savings against inflation with flexibility, she applied for the Promotion on 1 Sep 2021 with a single premium of USD3,999 and enjoyed an extra 8% p.a. Bonus Guaranteed Crediting Interest Rate for the first 3 months. Five years later, Vicki got the policy maturity benefit of USD4,567, which made her financially well-prepared for unexpected incidents.

Vince, Active Investor: Safeguard Option

As an amateur investor, Vince hesitated to invest in the turbulent stock market, and was looking for more stable investment options with a better return than most time deposits. On 1 Sep 2021, Vince applied for the Promotion with USD3,999 premium and enjoyed an extra 8% p.a. Bonus Guaranteed Crediting Interest Rate for the first 3 months. At the 2nd policy anniversary, she saw an opportunity in the stock market and decided to terminate her policy and withdraw the total amount to subsidise her investment. Vince received USD4,239 surrender benefit. She evaded the market volatility while enjoying wealth increment, leaving her more capital to invest.

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 Term Single Premium
Minimum Premium Amount (per policy) Single Premium: USD200
Maximum Premium Amount (per policy) Single Premium: USD3,999
Under WeSave S3 (Mini) Promotion, the aggregate number of policies per Life Assured is limited to 3 and the aggregate premium cannot exceed USD11,997.
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 (p.a.)
Policy year Guaranteed Crediting Interest Rate (p.a.)
1 2.00%
2 2.00%
3 2.25%
4 2.50%
5 2.80%
Bonus Guaranteed Crediting Interest Rate Extra 8% p.a. of Bonus Guaranteed Crediting Interest Rate will be applied to the account value for the first 3 months after policy effective date while the policy is in force. The interest shall accumulate from the premium received date and be calculated on a daily compound basis; and be credited to the account value on the third monthiversary of the policy. If the policy is terminated within the first 3 months from the policy effective date, the extra 8% p.a. of Bonus Guaranteed Crediting Interest Rate will not be applied.
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 USD125,000 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 2.69% p.a.* return is guaranteed, allowing you to achieve saving goals easily.
Offering an extra 8% p.a. of Bonus Guaranteed Crediting Interest Rate in the first 3 months of the policy for higher return.
What items are not covered/applied?
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.
If the policy is terminated within the first 3 months from the policy effective date, the extra 8% p.a. of Bonus Guaranteed Crediting Interest Rate will not be applied.

*“Up to 2.69% p.a.” refers to the guaranteed average annualised rate of return, which the extra 8% p.a. Bonus Guaranteed Crediting Rate for the first 3 months has been included in the calculation, should the policy be held for its entire five years benefit term subject to the policy effective date.

Frequently Asked Questions about WeSave S3 Insurance Plan (Mini) Promotion:
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 (Mini) Promotion, Limited Offer”:

  1. The “WeSave S3 Insurance Plan (Mini) Promotion” entitles applicants to a Bonus Guaranteed Crediting Interest Rate of 8% p.a. in the first 3 months of their policy 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 31st 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 through the Company’s website within the Promotional Period ("Eligible Applicant").
  4. This Promotion is subject to limited quota for the first 1,000 applications within the Promotional Period.
  5. Under the Promotion, the minimum premium amount (per policy) would be USD200; the maximum premium amount (per policy) would be USD3,999.
  6. Each Eligible Applicant can apply for the Plan under this Promotion for three times only.
  7. The Plan is a savings insurance plan, not a bank savings product.
  8. During the first three months from the policy effective date, the Bonus Guaranteed Crediting Interest Rate of 8% p.a. will be applied to the policy account value. The interest shall be accumulated from the premium received date and be calculated on a daily compound basis. The extra 8% p.a. Bonus Guaranteed Crediting Interest Rate will not be paid if you terminate the policy within the first 3 months from policy effective date.
  9. All policy provisions of the Plan remain unchanged. Please see the policy provisions for details.
  10. The total premium includes insurance levy to be collected by the Insurance Authority.
  11. This Promotion is only applicable to the policies issued in Hong Kong.
  12. This Promotion cannot be exchanged for cash or its equivalent.
  13. The Company reserves the right to amend the terms and conditions of this Promotion or discontinue them at any time without prior notice.
  14. 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.
  15. 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.
  16. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.