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The Insurance Authority (IA) has been tasked by the Government to issue guidelines to set out the criteria for deferred annuity products to become a Qualifying Deferred Annuity Policy (QDAP). Deferred Annuity as a Retirement Planning Tool
2023年4月2日 · A deferred annuity is an insurance contract that promises to pay the buyer a regular income or a lump sum of money at some date in the future. Immediate annuities, by...
Our Foresight Deferred Annuity Plan is a QDAP certified by the Insurance Authority that helps you save more for retirement through tax deductions. The plan provides stable annuity payments and a promising growth potential up to age 100, helping you to achieve your retirement goals and lifelong financial security.
Qualifying Deferred Annuity Policy (QDAP) 1 What is your current age? 2 Which currency you wish to pay for the premiums? 3 How long (the period of time) would you choose to pay the premiums? 4 What age do you want to start receiving the annuity (income) payment? 5 Would you like to receive the annuity income in a “fixed period” or “whole life”?
What is a qualifying deferred annuity policy (“QDAP”)? QDAP / TVC. Product features. Annuity. Retirement planning. For relevant premiums to qualify for tax deductions, a deferred annuity product must comply with the guideline issued by the Insurance Authority, including: Minimum total premiums of $180,000 and minimum payment period of 5 years.
保誠「雋逸人生」延期年金計劃為獲保險業監管局認證的合資格延期年金保單（QDAP），除了在未來提供長達10或20年穩定的 每月年金入息 ，更可於您累積財富期間，提供 稅務扣除 。 靈活累積退休資金 特設不同保費供款期、積存期及年金期的選擇. 選擇以5或10年繳交保費，並選擇讓保費積存5、10、15、20或30年，我們將為您提供長達10或20年的每月年金. 為身故及意外身故提供財務保障. 為了保障您的摯愛，假如受保人不幸身故，計劃便會提供身故賠償。 假如受保人因意外身故，我們將會連同身故賠償一併支付意外身故額外保障. 智貼心保障. 假如您不幸確診患上特定受保疾病，例如在精神上無行為能力，我們將向您指定的家人提供相等於退保價值的智貼心保障，解決經濟上的燃眉之急. 保費可享扣稅.
主要特點. 穩定退休收入. 於10年、15或20年内，每月可享年金收入 [@monthlyannuitypayment]，以及特別獎賞 [@specialbonus]和累積生息的機會. 迎合您的退休規劃. 自由選擇收取按月支付的年金或一筆過的累積退休金，並可於年金期內隨時切換. 保費可享稅務扣除. 您可就所繳付的保費申請稅務扣除 [@taxdeduction]，每個課稅年度可高達港幣60,000元。 了解更多扣稅貼士. 限時優惠 – 高達14%折扣. 享首年保費高達13.5%折扣，同時投保自願醫保靈活計劃更可享高達14%折扣。 受條款及細則約束. 。 成功申請此計劃可享定期存款優惠利率。 受條款及細則約束. 。 投保此計劃並達到指定保費金額，可獲「滙豐自願醫保靈活計劃」之首年保費豁免。
