Introduction
Plan Summary
Crediting Interest Rates

Guaranteed Savings 3 Years

Guaranteed Savings 3 Years will provide you a better way to increase the value of your wealth in a simple, easy and effective way.

Annual Guaranteed Crediting Interest Rate

Capital, with credited interests less any surrenders is 100% guaranteed.

100% Capital Guaranteed

Payment of the guaranteed capital upon completion of the 3 years term.

Potential Extra Return1

Is non-guaranteed and is calculated based on the product's investment return, surrender and claims experiences, etc.

Flexible Surrender

Total or partial surrender is available subject to a fee on premium surrendered.

1 Potential extra return is not guaranteed and is calculated based on the product’s investment return, surrender and claims experience, etc.

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download product flyer here.  Please contact us for further details about the product and how to apply for it.

PREMIUM
  • In MOP/ HKD/ USD
  • Minimum Premium of MOP$25,000/ HKD$25,000/ USD $3,125
  • No subscription fees
  • No maintenance fees
  • Premium Payment Method - Lump sum
ACCIDENTAL DEATH BENEFIT
  • Benefit equal to 5% of the premium 
  • Only applicable to insured aged from 18 to 69 years old with a maximum limit of MOP/HKD100,000 OR USD 12,500 according to the plan currency.
FLEXIBLE SURRENDER
  • Total or partial surrender is available subject to a fee of 10% / 8% / 5% on premium surrendered in policy year 1 / 2 / 3 respectively.
  • Minimum surrender amount is applied.

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download product flyer here.  Please contact us for further details about the product and how to apply for it.

Guaranteed Crediting Interest Rates 1
YEAR MOP HKD USD
1st

3.50%

3.60% 4.00%
2nd 3.55% 3.65% 4.05%
3rd 3.60% 3.70% 4.10%

 1 Compound interest, to be paid into the policy at each Policy Anniversary Date.

This product is underwritten by Fidelidade Macau Life — Insurance Company Limited. The above product information is for reference only.

Download product flyer here.  Please contact us for further details about the product and how to apply for it.