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Well Link Life Savings plans compared

Compare 3 products sharing Well Link Life / Participating savings: currencies CNY/HKD/USD, premium-payment options 5–25 years, Single premium, issue-age span 15 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

Insurers (17)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 3 / 3

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisMinimum premium & basisPublished key exclusions (not exhaustive)
Target Saving Pro Insurance PlanWell Link LifeParticipating savings Source1HKD / USD Source2Single premium Source220 years / 20 or 25 years. Source215 days to 80 years / Age basis: Not confirmed Source2HKD 100,000 / Single premium / Single premium: HKD 100,000 or USD 12,500. Source2Suicide within 24 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording. Source3
Well Save Annual Coupon Insurance Plan 3Well Link LifeParticipating savings Source4HKD / CNY / USD Source5
  • Single premium
  • 5 years
Source5		20 years / 20 or 30 years. Source515 days to 80 years / Age basis: Not confirmed Source5HKD 20,000 / Annual / 5-pay annual: HKD/CNY 20,000 or USD 2,500; single: HKD/CNY 100,000 or USD 12,500. Source5Suicide within 24 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording. Source6
Well Save Future Coupon Insurance PlanWell Link LifeParticipating savings Source7HKD / USD Source8
  • 5 years
  • 10 years
  • 15 years
Show all 5
  • 20 years
  • 25 years
Source8		To age 100 Source8
  • 18 years to 50 years / Age basis: Age last birthday / 5-year premium term.
  • 18 years to 50 years / Age basis: Age last birthday / 10-year premium term.
  • 18 years to 45 years / Age basis: Age last birthday / 15-year premium term.
Show all 5
  • 18 years to 40 years / Age basis: Age last birthday / 20-year premium term.
  • 18 years to 35 years / Age basis: Age last birthday / 25-year premium term.
Source8

No public field citation recorded

  • Suicide within 12 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording.
  • Premium waiver excludes pre-existing conditions; full wording and exceptions apply.
Source9

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsTarget Saving Pro Insurance PlanWell Save Annual Coupon Insurance Plan 3Well Save Future Coupon Insurance Plan
What it pays and when
  • Benefit term: 20 years / 20 or 25 years.
  • Policy terms are 20 or 25 years. A non-guaranteed terminal dividend may be payable from the sixth policy anniversary on surrender, death or maturity.
Public source · Checked Public source · Checked
  • Benefit term: 20 years / 20 or 30 years.
  • Guaranteed cash coupons are payable annually from the first policy anniversary to maturity.
Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Monthly cash coupons and non-guaranteed dividends start from the policy anniversary following the insured’s 60th birthday and continue to maturity.
Public source · Checked Public source · Checked
Benefit limitsAcross the insurer’s Endowment Insurance Plan series, the 102%-premium death benefit component is capped per insured at premiums paid plus HKD 100,000 or USD 12,500.Public source · Checked For the 102% paid-premium death-benefit component, the aggregate across the Endowment Insurance Plan Series is capped at total premiums paid plus HK$100,000 / RMB100,000 / US$12,500, using the higher cap for mixed policy currencies.Public source · Checked The extended grace period can be claimed once per policy and is capped at 365 days.Public source · Checked
Guaranteed / non-guaranteedCash value is guaranteed; the terminal dividend is not guaranteed.Public source · Checked Annual and terminal dividends and interest on accumulated payments are non-guaranteed.Public source · Checked Cash coupons are guaranteed; dividends and accumulation interest are not guaranteed.Public source · Checked
Waiting periodsnot publishedDocuments checkedPublic source · Checked not publishedDocuments checkedPublic source · Checked The extended grace period for redundancy or dismissal is available only after the policy has been in force for more than one year.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Suicide within 24 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording.
  • For suicide within 24 months of issue or reinstatement, whichever is later, liability is limited to premiums refunded without interest, less indebtedness.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Suicide within 24 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording.
  • For suicide within 24 months of issue or reinstatement, whichever is later, liability is limited to premiums refunded without interest, less indebtedness.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Suicide within 12 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording.
  • Published key exclusions (not exhaustive): Premium waiver excludes pre-existing conditions; full wording and exceptions apply.
  • For suicide within 12 months of issue or reinstatement, whichever is later, payment is limited to premiums refunded without interest, less indebtedness; an increase in premium has its own applicable start date.
Public source · Checked Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesTarget Saving Pro Insurance PlanTarget Saving Pro Insurance PlanWell Save Annual Coupon Insurance Plan 3Well Save Annual Coupon Insurance Plan 3Well Save Future Coupon Insurance PlanWell Save Future Coupon Insurance PlanWhat it pays and whenWhat it pays and whenBenefit term: 20 years / 20 or 25 years. · Policy terms are 20 or 25 years. A non-guaranteed terminal dividend may be payable from the sixth policy anniversary on surrender, death or maturity.Benefit term: 20 years / 2…Benefit term: 20 years / 20 or 30 years. · Guaranteed cash coupons are payable annually from the first policy anniversary to maturity.Benefit term: 20 years / 2…Benefit term: To age 100 · Monthly cash coupons and non-guaranteed dividends start from the policy anniversary following the insured’s 60th birthday and continue to maturity.Benefit term: To age 100 ·…Benefit limitsBenefit limitsAcross the insurer’s Endowment Insurance Plan series, the 102%-premium death benefit component is capped per insured at premiums paid plus HKD 100,000 or USD 12,500.Across the insurer’s Endow…For the 102% paid-premium death-benefit component, the aggregate across the Endowment Insurance Plan Series is capped at total premiums paid plus HK$100,000 / RMB100,000 / US$12,500, using the higher cap for mixed policy currencies.For the 102% paid-premium …The extended grace period can be claimed once per policy and is capped at 365 days.The extended grace period …Guaranteed / non-guaranteedGuaranteed / non-guarantee…Cash value is guaranteed; the terminal dividend is not guaranteed.Cash value is guaranteed; …Annual and terminal dividends and interest on accumulated payments are non-guaranteed.Annual and terminal divide…Cash coupons are guaranteed; dividends and accumulation interest are not guaranteed.Cash coupons are guarantee…Waiting periodsWaiting periodsnot publishednot publishednot publishednot publishedThe extended grace period for redundancy or dismissal is available only after the policy has been in force for more than one year.The extended grace period …Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Suicide within 24 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording. · For suicide within 24 months of issue or reinstatement, whichever is later, liability is limited to premiums refunded without interest, less indebtedness.Published key exclusions (…Published key exclusions (not exhaustive): Suicide within 24 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording. · For suicide within 24 months of issue or reinstatement, whichever is later, liability is limited to premiums refunded without interest, less indebtedness.Published key exclusions (…Published key exclusions (not exhaustive): Suicide within 12 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording. · Published key exclusions (not exhaustive): Premium waiver excludes pre-existing conditions; full wording and exceptions apply. · For suicide within 12 months of issue or reinstatement, whichever is later, payment is limited to premiums refunded without interest, less indebtedness; an increase in premium has its own applicable start date.Published key exclusions (…
A–Z (3)

Products

Comparison groups

Comparison groups

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Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  2. Official brochure, physical PDF page 6, Product Summary; printed edition code, not effective date

    Source date: / Page: 6

  3. Official brochure, physical PDF pages 10, selected exclusions / suicide section

    Source date: / Page: 10

  4. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  5. Official brochure, physical PDF page 5, Product Summary; printed edition code, not effective date

    Source date: / Page: 5

  6. Official brochure, physical PDF pages 10, selected exclusions / suicide section

    Source date: / Page: 10

  7. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  8. Official brochure, physical PDF page 8, Product Summary; printed edition code, not effective date

    Source date: / Page: 8

  9. Official brochure, physical PDF pages 13–14, selected exclusions / suicide section

    Source date: / Page: 13

Information, not advice; we refer to a licensed Hong Kong broker.

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