Swiss Prime Savings Insurance Plan

Your plan for today, your legacy for tomorrow. Swiss Prime Savings Insurance Plan (“Swiss Prime”) is a savings insurance plan which provides 3 core pillars — long-term opportunity for potential wealth accumulation, flexible financial planning and human-centered legacy planning tools — all designed to support your family's wellbeing, fund your retirement, and preserve what matters most.

Limited offers

Offer 1: Premium Discount

Up to 18% premium discount on the 2nd year premiums

Promotion period: From now to 30 Apr 2026
Apply for Swiss Prime during the promotion period to enjoy premium discounts and plan your future with peace of mind.
Terms and conditions apply
Learn more
Offer 2: Prepayment Offer

Up to 4.5% p.a. prepayment interest rate

Promotion period: From now to 30 Apr 2026
Apply for Swiss Prime during the promotion period to enjoy up to 4.5% p.a. prepayment interest and secure your future with confidence.
Terms and conditions apply
Learn more
Offer 3

Payor benefit

Waive the remaining premiums falling due if the policyholder suffers from accidental death or is diagnosed with a terminal illness on or before age 60.
Terms and conditions apply
Learn more
Offer 4

One-off extra bonus

Enjoy extra bonus upon designated achievements by Policyholder, Policyholder's spouse, children, or grandchildren.
Terms and conditions apply
Learn more

Why Swiss Prime?

Grow your wealth with Guaranteed Cash Value and non-guaranteed Terminal Bonus Simply pay 2 or 5 years of premiums and your wealth will grow through a Guaranteed Cash Value and non-guaranteed Terminal Bonus1.
Securing potential gain with Terminal Bonus Lock-in OptionTransfer the non-guaranteed Terminal Bonus into a Terminal Bonus Lock-in Account to earn non-guaranteed interest1.
Leaving a heartfelt message to your loved ones2 [First-in-market3]Express your love by leaving a heartfelt message for your loved ones through our online platform OneZurich.
Appointment of contingent Policyholder [First-in-market4]Transfer Policy ownership to a designated Contingent Policyholder upon the Policyholder's death or diagnosis of a specified critical health condition5. Nominate up to 5 Contingent Policyholders to ensure seamless policy continuation per your wish.
Celebrate your milestone with our campaign offer - extra bonus6 [Rare-in-market7]Enjoy extra bonus upon designated achievements by you, your spouse, children, or grandchildren.
Comprehensive legacy planning tools Offer policy split option, change of Life Insured, appointment of Contingent Life Insured, Contingent Policyholder(s) and minor Contingent Policyholder with Guardian(s) to secure your legacy.
Special Settlement ArrangementAllow each Beneficiary to withdraw his or her share of the remaining Death Benefit in a lump sum if the Beneficiary experiences specified significant life events8 while receiving installments.
Important note: The product information in this website is for your reference only and does not constitute any part of the insurance contract. For full terms and conditions, please refer to the product brochure and policy provisions which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Life Insurance (Hong Kong) Limited reserves the right of final approval and decision on all matters. Some images on this page are AI generated, excluding wordings, diagrams and charts.

How does the plan work?

Supporting your child's educational dreams and planning confidently for retirement

Anna welcomed a baby boy, Keith (Age 1). She envisions his future and dreams of sending him abroad for university education. At the same time, she aims to secure a comfortable retirement for herself and her husband. So, she decides to take out Swiss Prime to meet her financial goal.
Learn more

Helping young professionals grow wealth while preparing for the future

Charles is a young professional. He wants to grow his wealth and prepare for the future. So, he decides to take out Swiss Prime with a 2 years Premium Payment Term to meet his goals at different life stages.
Learn more

Frequently asked questions

Q1: What will affect the Terminal Bonus?

Q2: When can I exercise the Terminal Bonus Lock-in Option?

Q3: When can I withdraw cash from the Terminal Bonus Lock-in Account?

Q4: Why is nomination of Contingent Policyholder important?

Q5: What are the death benefit settlement options available, and can I select different options for my beneficiaries?

Q6: What is heartfelt message and how can I manage the heartfelt message?

Q7: Can I receive my payouts in a currency other than the Policy Currency (USD) for my oversea bank account?

Q1 answer:
We review and determine the amount of bonuses at least once per year. We aim to achieve a fair sharing of profits between policyholders and shareholders, as well as between different groups of policyholders. The bonuses could be adjusted depending on both the past experience and future outlook for factors including but not limited to investment return, expenses, claims and surrenders. When considering the adjustment, we aim to deliver relatively stable bonus payments over time through a smoothing process by spreading out the gains and losses over a period of time.
What will affect the Terminal Bonus?
We review and determine the amount of bonuses at least once per year. We aim to achieve a fair sharing of profits between policyholders and shareholders, as well as between different groups of policyholders. The bonuses could be adjusted depending on both the past experience and future outlook for factors including but not limited to investment return, expenses, claims and surrenders. When considering the adjustment, we aim to deliver relatively stable bonus payments over time through a smoothing process by spreading out the gains and losses over a period of time.
contact
For any help you need,
contact us anytime
Fill in this online form for any queries. We will contact you shortly.

You may also contact our Customer Care Hotline at:

Tel.: +852 2968 2383

Monday to Friday: 9:00 a.m. - 5:30 p.m.
(Except public holidays)

Learn more