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

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

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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 2.3% p.a.*, with daily guaranteed crediting interest. Fully withdraw your fund and guaranteed return whenever you need with no charge of policy surrender!

*“The 2.3% 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
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 2.3% p.a.*, higher than that of the fixed deposit. 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 15,957 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 3,190.

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 USD18,140, giving him a perfect start to his carefree retirement.

Key Features and Benefits2

Get to know more about our Plan
Key SummaryKey Coverage
Policy CurrencyUSD
Issue Age18-65
Policy Benefit Term5 years
Premium Payment TermSingle payment
Maximum Cover Age70
Premium Payment FrequencySingle 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 policies3 is limit to a maximum of USD 250,000.
Premium ChangeNot Applicable
Partial WithdrawalNot Applicable
Guaranteed Crediting Interest Rate (per annum)
Policy yearGuaranteed Crediting Interest Rate (p.a.)
12.00%
22.00%
32.25%
42.50%
52.80%
Fees and ChargesNo charges
Surrender Benefit100% of Account Value
Death Benefit101% of Account Value
Accidental Death BenefitIf 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 policies3.
What’s so special about the Plan?
A 2.3% 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 2.3% 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!
compare savings insurance plans

Plan comparison

Example

Flexible

WeSave S3 Insurance Plan

  • Savings amount up to USD 250,000
  • 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

# “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.  

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

Terms and conditions of “WeSave S3 Insurance Plan, Limited Offer”

  1. The “WeSave S3 Insurance Plan, Limited Offer” entitles applicants to HK$500 Watsons HK eVoucher upon successful application of “WeSave S3 Insurance Plan” (this “Promotion").
  2. This Promotion is offered by Blue Insurance Limited (the “Company”).
  3. This Promotion is available from now until 30th April 2021 (inclusive) (“Promotional Period”). To be eligible for this Promotion, applicant must successfully complete the application and payment for “WeSave S3 Insurance Plan” ("the 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 200 Eligible Applicants within the Promotional Period.
  5. Each Eligible Applicant can only entitle this Promotion once.
  6. The Plan is a savings insurance plan, not a Bank savings product.
  7. For HK$500 Watsons HK eVoucher (“eVoucher”) promotion: i. Each Eligible Applicant’s “WeSave S3 Insurance Plan” policy must still be in force on 30th September 2021.
    ii. The eVoucher will be sent by email before 31st October 2021.
    iii. The eVoucher is provided by A. S. Watson Retail (HK) Limited (“Watsons HK”). Watsons HK is responsible for all obligations and liabilities in relation to such products or services. The Company accepts no liability in respect of the quality of the products or services provided by Watsons HK.
  8. All policy provisions of the Plan remain unchanged. Please see the policy provisions for details.
  9. The total premium includes insurance levy to be collected by the Insurance Authority.
  10. This Promotion is only applicable to the policies issued in Hong Kong.
  11. This Promotion cannot be exchanged for cash or its equivalent.
  12. The Company reserves the right to amend the terms and conditions of this Promotion or discontinue them at any time without prior notice.
  13. 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.
  14. 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.
  15. Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.