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Manulife
ManuPremier Protector
Participating Whole Life Insurance — Lifetime Protection + Long-term Savings Growth + Wealth Transfer
宏利「優越終身保（ManuPremier Protector）」是香港宏利推出的美元 / 港幣分紅終身壽險，主打終身人壽保障、長期儲蓄增值與財富傳承。保單結合保證現金價值與非保證終期紅利，並提供終期紅利鎖定、通脹加保等選項，適合追求穩健增值與跨代傳承的客戶。
- 分紅終身壽險
- 終身保障
- 終期紅利鎖定
- 通脹加保
- 財富傳承
Latest Insurance Promotions
Find out the limited-time premium rebate & discount of this plan
Information shown is for reference. Actual premiums and promotions depend on individual status.
Key Figures
Protection first, stability at heart — a participating whole life plan designed for long-term ownership.
Age at Entry
15 days to age 75
Policy Term
up to age 128
Long-term Projected IRR
approx. 5% – 5.4%
Guaranteed IRR
approx. 1.7% – 1.8%
產品功能亮點
- 分紅式終身壽險（Whole Life）：保證現金價值 + 非保證終期紅利
- 保障期：終身，一般至 128 歲
- 繳費期：躉繳（一次性）、5 / 10 / 20 / 25 年
- 身故賠償：保證名義金額 100% + 累積紅利
- 可附加通脹加保：每年自動加保 10% 名義金額，最多 10 年
- 貨幣：美元、港幣（主流以美元計價）
- 投保年齡：15 天 – 75 歲
- 繳費方式：年繳 / 半年繳 / 季繳 / 月繳
- 第 15 個保單周年日起可鎖定高達 50% 已公佈終期紅利
- 支援保單貸款、部分退保及保單逆按
Highlights
Product Benefits
From lifetime coverage to dividend lock-in — security and long-term growth in perfect balance.
Lifetime Protection with Flexible Premiums
Receive a death benefit of up to 100% of the guaranteed sum assured, plus accumulated dividends. Pay once in a single premium, or spread it over 5, 10, 20 or 25 years — with annual, semi-annual, quarterly or monthly instalments to fit your budget.
Targeted Legacy Planning
Death benefits offer flexible payout options including lump sum, instalments and scheduled disbursements. Supported by the insurer’s robust financial foundation, it secures family protection and reliable intergenerational wealth inheritance.
Terminal Dividend Lock-in Option
Starting from the 15th policy anniversary, up to 50% of the declared terminal dividend can be converted and locked into guaranteed dividend each year, effectively stabilising returns and mitigating risks from market fluctuations.
Inflation-fighting Top-up Option
You may add this rider if you select a 10-, 20- or 25-year premium payment term. Nominal sum assured rises automatically by 10% each year for the first decade to counter inflation and retain your coverage’s purchasing power.
Liquidity & Policy Reverse Mortgage
Flexible fund utilisation with policy loan and partial surrender available. Eligible for Hong Kong Policy Reverse Mortgage Programme. In retirement, pledge your policy to a bank and secure lifelong steady monthly cash flow.
Prudent Dividends, Multi-Currency Flexibility
Choose between USD or HKD. Combining a guaranteed cash value with terminal bonuses, the plan targets a long-term projected IRR of around 5%–5.4% and a guaranteed IRR of around 1.7%–1.8% — steady, dependable growth.
Version Comparison
宏利優越終身保 VS 周大福匠心・飛越
兩者同屬香港長期儲蓄 / 保障型保單，但側重點各有不同。
| 比較項目 | 宏利優越終身保 | 周大福匠心・飛越 |
|---|---|---|
| 產品定位 | 保障 + 穩健儲蓄，身故保障更強 | 高增長儲蓄 + 靈活提領，保障成分較弱 |
| 長期預期 IRR | 約 5% – 5.4% | 約 6.5% |
| 回本速度（5 年繳） | 約 15 年 | 約 10 年 |
| 紅利特性 | 終期紅利可鎖定，波動風險較低 | 紅利不可鎖定，收益潛力較高 |
| 現金流設計 | 較穩健，適合退休逆按 | 557 / 116 提領，現金流更激進 |
| 適合風險偏好 | 極度保守、怕波動、重穩定 | 願意承擔波動、追求高增長 |
Who It's For
Suitable and Unsuitable Client Profiles
Evaluate the suitability of this product against your financial plan and risk preference.
Highly Suitable Clients
- Looking for lifelong life cover and sustainable long-term accumulation
- Favour well-established insurance providers with strong stability and safety margin
- Planning retirement in Hong Kong and intends to utilise Policy Reverse Mortgage Programme for cash flow withdrawal
- Concerned about return volatility and wish to lock part of dividends into guaranteed values
- Seek intergenerational legacy transfer and want to choose how death benefits are disbursed
Not Recommended Clients
- Need funds for short-term liquidity; policy holding period under 10 years
- Only accept 100% guaranteed returns and cannot tolerate dividend volatility
- Pursue highest investment returns and accept substantial fluctuations
- Unable to tolerate RMB / USD exchange rate fluctuations
- Potential early surrender, unable to bear losses if policy surrendered within first 10 years