Easysaver Insurance Plan
To achieve our goals in life may not come easy. You need to get well prepared with a financial plan that helps to build stable and desirable savings for your future. Fidelidade Life understands your need and so we have specially designed the “EasySaver Insurance Plan” to help you take the first step towards your goals. EasySaver is a flexible insurance savings plan that features a guaranteed crediting interest rate declared every year to grow your savings. It can help to support your retirement; build an education fund for your children; supplement your medical expense reserve; or as simple as saving up for going on a long vacation.
| YEAR | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| GUARANTEED CREDITING INTEREST RATE | 2.55% | 1.50% | 1.55% | 3.00% | 3.10% | 2.75% |
| TOTAL CREDITING INTEREST RATE | 2.60% | 1.55% | 1.65% | 3.10% | 3.20% | TBC |
It also provides an accidental death benefit you want so you and your loved ones can enjoy peace of mind.
Notes:
1. The guaranteed annual crediting interest rate is declared by Fidelidade Macau Life - Insurance Company Limited for each calendar year. The “Guaranteed Annual Crediting Interest Rates” and “Total Annual Crediting Interest Rates” for 2026 onwards may be lower or higher than the historical crediting interest rates and the declared 2025 rate.
2. The actual interest amounts credited into your policy, as shown in your annual statement, are based on the crediting interest rates shown above.
This product is underwritten by Fidelidade Macau Life - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
WORRY-FREE WITH SAVINGS PROTECTED Your savings are 100% guaranteed by Fidelidade Life. There is no absolute foolproof way to avoid market fluctuations but EasySaver is designed to protect your savings so you do not need to worry about any adverse financial impact due to market fluctuations.
EASY APPLICATION Anyone aged 18 or above may apply for EasySaver. Application is easy. No medical examination is required.
ACCUMULATE YOUR WEALTH WITH A GUARANTEED CREDITING INTEREST EasySaver features a guaranteed crediting interest rate declared at the beginning of each calendar year. This guaranteed return aims at beating other short term savings instruments. This guaranteed benefit allows you to continuously accumulate your wealth with stable growth.
BOOST YOUR SAVINGS WITH AN ADDITIONAL NON-GUARANTEED CREDITING INTEREST In addition to the guaranteed interest1, EasySaver features a non-guaranteed crediting interest rate, that Fidelidade Life will declare after considering the product's investment return, claims and surrender experiences, etc. This helps to boost your savings and can achieve your goals at ease.
EXTRA PROTECTION WITH PEACE OF MIND EasySaver provides accidental death benefit2 . The benefit amount equals to 5% of the Account Value3 subject to a maximum of MOP/HKD100,000.
FLEXIBLE CHOICE OF PREMIUM PAYMENT OPTIONS You can choose to build up your savings by paying regular monthly premiums or by a single premium. Depending on your individual lifestyle and financial situation, you can choose to boost your savings by paying a top-up premium.
FLEXIBLE CHOICE OF PARTIAL SURRENDERS IN TIMES OF NEED It takes time and probably a persistent habit of making savings to build up wealth. But you may want to draw on your savings in times of need. EasySaver allows flexible choice for you to partial or total surrender depending on your needs. Partial or total surrender is subject to a minimum surrender amount and charge.
| Minimum Surrender Amount | |
| Single Surrender | MOP/HKD 5,000 |
| Monthly Surrender | MOP/HKD 2,500 |
| Before the 1st policy anniversary date | 5% of surrender amount |
| On or after the 1st policy anniversary date but before the 5th policy anniversary date | 1% of surrender amount |
| On or after the 5th policy anniversary date but before the policy maturity date | No surrender charge |
Remarks:
- The actual interest amounts credited into your policy, as shown in your annual statement, are based on the crediting interest rates shown above.
- Age limit for the accidental death benefit: 18-69 years of age. Benefit subject to Policy exclusions.
- Account Value shall mean the sum of all premiums paid, plus all interest, less all partial surrender benefit amount.
This product is underwritten by Fidelidade Macau Life - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
| PLAN CURRENCY | MOP/HKD | ||
| MINIMUM ENTRY AGE | 18 YEARS OLD | ||
| MAXIMUM ENTRY AGE | 55 YEARS OLD | ||
| PREMIUM PAYMENT MODE | INITIAL | MONTHLY | TOP-UP |
| MINIMUM PREMIUM AMOUNT | $5,000 | $500 | $2,500 |
This product is underwritten by Fidelidade Macau Life - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.