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ZA Savings Insurance
Product features:
Return guaranteed
A single premium payment term up to 2.5% p.a. guaranteed return¹ in 3 years with single paid premium. Adding life protection during the policy term, to protect your loved ones. 
Saving in your way
Start your savings today with minimum premium starting from HKD 1. Won't incur any charges or losses for any early partial surrender or full surrender.
Saving that grows everyday
Accumulate your return daily to achieve your savings goal.
How to get ‘ZA Savings Insurance’? (Sold out now)
Saving Landing page icon-08_9145
Join the waitlist of 'ZA Savings Insurance' with your registered phone no. in ZA Bank.
Starting your purchase

You will receive a SMS and/ or app notification to get the ZA Savings insurance on or after 4 January 2022. First-come-first-served while stocks last.

Confirm purchase
You’ll receive an email confirmation. You may also check the policy details in the ZA Bank App.

To be eligible to participate in the campaign, you must:

(i) be aged between 18 – 70 years old³ and (ii) an existing ZA Bank account holder; (iii) meet the requirements for nationality, address and residency of ZA Life Limited when submitting insurance application (which can be subject to change at the time of your application)⁴

Input your target premium to project the return you’ll get after 3 years
On the completion of 3 years, you will receive a guaranteed return 2.5% p.a¹

Accumulate return daily to achieve your savings goal.

Premium up to HKD 500k. Choose the savings amount that you’re comfortable with.

Example for reference only.

^ The guaranteed cash value are rounded to the nearest 2 decimal places, and does not include levies. Guaranteed cash value is calculated on a daily compound basis and refers to the amount that will be received at surrender or maturity when the life insured is still alive and is not equal to death benefit.



¹ ‘2.5% p.a. guaranteed return’ refers to the Internal Rate of Return (IRR) of the policy at the end of the 3rd policy year (maturity), assuming no partial or full surrender has been made. You may cancel the policy by sending us a notice within 30 days after the delivery of the policy or issuance of a notice to you, informing you of the availability of the policy, whichever is earlier. Cancellation during the cooling-off period will result in a full return, to you, of premium(s) and levy paid without interest. Please refer to product brochure for details.

² Maximum aggregated premium (including cooled off and partial/full surrendered amount) at HK$500,000 per insured apply. (For example an applicant may apply five policies with premium amount of $100,000 consecutively or separately (while stock last). No further application of the product would be accepted even if the applicant cancelled one of the policies since the maximum aggregated premium is reached.)

³ Age refers to the age you'll be on your last birthday.

⁴ Please refer to product brochure and the policy provisions for the eligibility.


1. This insurance product is a long-term insurance plan underwritten by ZA Life Limited (business name as ZA Insure) and is neither a bank deposit nor a bank savings plan. Policyholders are subject to ZA Insure’s credit risk. Please refer to product brochure for the features and the policy provisions for the detailed terms and conditions.

2. ZA Insure is authorised and regulated by the Insurance Authority of the Hong Kong SAR. ZA Bank is a licensed insurance agency authorised by ZA Insure. 

3. For monetary disputes arising between ZA Bank and you out of the selling process or processing of the related transaction, ZA Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the product should be resolved between ZA Insure and you directly.