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CNY QDAP plans: Over 5 to 10 years premium term

Compare 2 products sharing CNY / QDAP annuity: currencies CNY/HKD/USD, premium-payment options 5–10 years, issue-age span 18 years to 70 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 2024–2025 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 (16)

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: 2 / 2

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisMinimum premium & basis
BOC Life Deferred Annuity (Lifetime)BOC LifeQDAP annuity Source1HKD / CNY / USD Source2
  • 5 years
  • 10 years
Source2		Whole life Source2
  • 18 years to 70 years / Age basis: Not confirmed / 5-year payment term.
  • 18 years to 65 years / Age basis: Not confirmed / 10-year payment term.
Source2		USD 2,400 / Annual / 10-year payment term: HKD/CNY 18,000 or USD 2,400 annually; 5-year term: HKD/CNY 36,000 or USD 4,800. Source2
Well Enjoy Deferred Annuity Plan Supreme 2Well Link LifeQDAP annuity Source3HKD / CNY / USD Source4
  • 5 years
  • 10 years
Source4		Until the annuity period ends / 10 or 20 annuity years; accumulation to 50 for entry 18–44 (5-pay) or 18–39 (10-pay), otherwise 5 or 10 years. Source4
  • 18 years to 70 years / Age basis: Not confirmed / 5-year premium term.
  • 18 years to 65 years / Age basis: Not confirmed / 10-year premium term.
Source4		HKD 20,000 / Annual / Online, 10-pay: HKD/CNY 20,000 or USD 2,500; 5-pay: 38,000 or 4,900. Monthly: 1,760/220 or 3,344/432 respectively. Source4

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 factsBOC Life Deferred Annuity (Lifetime)Well Enjoy Deferred Annuity Plan Supreme 2
What it pays and when
  • Benefit term: Whole life
  • Recorded features: Qualifying Deferred Annuity Policy with lifelong guaranteed monthly annuity income.
Public source · Checked Public source · Checked
  • Benefit term: Until the annuity period ends / 10 or 20 annuity years; accumulation to 50 for entry 18–44 (5-pay) or 18–39 (10-pay), otherwise 5 or 10 years.
  • Monthly annuity payments run for 10 or 20 years.
Public source · Checked Public source · Checked
Benefit limitsnot publishedDocuments checkedPublic source · Checked not publishedDocuments checkedPublic source · Checked
Guaranteed / non-guaranteedQualifying Deferred Annuity Policy with lifelong guaranteed monthly annuity income.Public source · Checked Monthly annuity equals the guaranteed annuity amount. Amounts left with the insurer accumulate at a non- guaranteed interest rate declared from time to time; cash payment is the default if no option is elected.Public source · Checked
Waiting periodsnot publishedDocuments checkedPublic source · Checked not publishedDocuments checkedPublic source · Checked
Main exclusionsnot publishedDocuments checkedPublic 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.
  • Suicide within 12 months after issue or reinstatement, whichever is later, limits liability to relevant basic- plan premiums paid without interest less indebtedness. For an increased premium, the same period runs from its effective date and applies only to that increase.
Public source · Checked Public source · Checked
Annuity timing / QDAP
  • IA QDAP certification evidence: Published as a Qualifying Deferred Annuity Policy.
  • Annuity payout frequency: Monthly.
  • IA-certified QDAP (QDAP0008, certified )
Public source · Checked Public source · Checked
  • With five-year payment, issue ages 18–44 start annuity after age 50 and ages 45–70 start in policy year six. With ten-year payment, ages 18–39 start after age 50 and ages 40–65 start in policy year 11.
  • IA-certified QDAP (QDAP0038, certified )
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 sourcesBOC Life Deferred Annuity (Lifetime)BOC Life Deferred Annuity (Lifetime)Well Enjoy Deferred Annuity Plan Supreme 2Well Enjoy Deferred Annuity Plan Supreme 2What it pays and whenWhat it pays and whenBenefit term: Whole life · Recorded features: Qualifying Deferred Annuity Policy with lifelong guaranteed monthly annuity income.Benefit term: Whole life ·…Benefit term: Until the annuity period ends / 10 or 20 annuity years; accumulation to 50 for entry 18–44 (5-pay) or 18–39 (10-pay), otherwise 5 or 10 years. · Monthly annuity payments run for 10 or 20 years.Benefit term: Until the an…Benefit limitsBenefit limitsnot publishednot publishednot publishednot publishedGuaranteed / non-guaranteedGuaranteed / non-guarantee…Qualifying Deferred Annuity Policy with lifelong guaranteed monthly annuity income.Qualifying Deferred Annuit…Monthly annuity equals the guaranteed annuity amount. Amounts left with the insurer accumulate at a non- guaranteed interest rate declared from time to time; cash payment is the default if no option is elected.Monthly annuity equals the…Waiting periodsWaiting periodsnot publishednot publishednot publishednot publishedMain exclusionsMain exclusionsnot publishednot publishedPublished key exclusions (not exhaustive): Suicide within 12 months of issue or reinstatement limits payment to premiums less debt. Increases have separate triggers; see wording. · Suicide within 12 months after issue or reinstatement, whichever is later, limits liability to relevant basic- plan premiums paid without interest less indebtedness. For an increased premium, the same period runs from its effective date and applies only to that increase.Published key exclusions (…Annuity timing / QDAPAnnuity timing / QDAPIA QDAP certification evidence: Published as a Qualifying Deferred Annuity Policy. · Annuity payout frequency: Monthly. · IA-certified QDAP (QDAP0008, certified )IA QDAP certification evid…With five-year payment, issue ages 18–44 start annuity after age 50 and ages 45–70 start in policy year six. With ten-year payment, ages 18–39 start after age 50 and ages 40–65 start in policy year 11. · IA-certified QDAP (QDAP0038, certified )With five-year payment, is…
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Sources & verification dates

Sources & verification dates

Checked:

  1. BOC Life Deferred Annuity (Lifetime) — official product page

    Source date: Not confirmed

Checked:

  1. Official product document — Eligibility and plan summary; DAL/L/V08/0325

    Source date: / Page: 4

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

    Source date: Not confirmed

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

    Source date: / Page: 6

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

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