Internal Rate of Return (IRR)

The result of QDAP available options is sorted in descending order determined by the primary parameter of the maximum percentage of guaranteed IRR is based upon information provided by the relevant insurers without independent verification, and is disclosed on an assumed non-smoking male policyholder at age 45 for the guaranteed portion and the total return. In spite of that, the IRR of the product options that are not available for age 45 will be calculated based on the highest available age among such particular options to achieve a relatively prudent IRR for presentation. For whole life policy, 30 years as the annuity period will be adopted in the calculation of IRR.

The IRR may also vary depending on the policy currency, premium payment period, premium payment mode and annuity (income) payment period and annuity commencement age, etc. As such, they are for reference only and shall not constitute an indication of future performance.

In addition, the projected total IRRs include non-guaranteed portion of return, therefore such rates are not guaranteed and may be changed by the insurer from time to time. The actual total IRRs may be higher or lower than those illustrated on the webpage. Please consult the relevant insurer before you make any decision to apply for or purchase any insurance product.

The IRR illustrated assumes that no cash withdrawals or no policy loans are taken throughout the policy term, and all premiums are paid in full when due of the policy.

Age Definition

The ages presented in this webpage are all actual ages. However, there may be age variances across different QDAPs due to diverse age basis/definitions adopted by different insurers. Therefore, you may see a +/- one-year difference of age than the product brochures.