Sunday, 5th April 2026
Khabor Wala Desk
Published: 7th January 2026, 7:10 AM
In response to the growing diversity and demand within Hong Kong’s savings and wealth management sector, Manulife Hong Kong has launched two new life insurance–based savings plans. The Genesis Centurion Insurance Plan and the Prestige Achiever Insurance Plan are strategically designed to support long-term wealth accumulation, provide flexible cash access, and deliver financial assistance during critical life events.
Casey Chang, Chief Product Officer for Manulife Hong Kong and Macau, stated,
“These plans are crafted to give customers greater control over their savings and investments while ensuring financial protection in times of need. Our objective is to facilitate long-term financial security and create liquidity options that are accessible during unexpected circumstances.”
The relevance of these offerings is further supported by recent findings from the Manulife Asia Care Survey. In Hong Kong, 70% of participants associate longevity with financial stability, while 61% consider life insurance indispensable for maintaining their standard of living.
Key Features of the New Plans
| Plan Name | Objective | Main Benefits | Estimated Premium Returns | Special Features |
|---|---|---|---|---|
| Genesis Centurion | Long-term wealth accumulation | Multi-currency policy; flexible withdrawals | ~4× in 25 years, ~6× in 31 years, ~8× in 35 years | 100% terminal bonus for critical illness or mental health conditions |
| Prestige Achiever | Short-term cash growth | 83% guaranteed cash value from day one | Up to 4.6% IRR over 10 years | Regular non-guaranteed income from year two; special bonus for critical illness |
The Genesis Centurion Plan focuses on long-term wealth growth. Policyholders can select from seven different currencies and benefit from the option to switch currencies from the third policy anniversary onwards. Flexible withdrawals and partial regular income help address unexpected financial needs while maintaining investment momentum.
In contrast, the Prestige Achiever Plan prioritises rapid cash value growth. Policyholders can access up to 83% of guaranteed cash value immediately, with an estimated internal rate of return (IRR) of up to 4.6% over ten years, supporting short-term financial goals. From the second year, policyholders also enjoy regular non-guaranteed income and receive a special bonus in the event of a critical illness.
Through these offerings, Manulife has set a new benchmark in Hong Kong for integrated savings and insurance solutions. Amid rising living costs, increased life expectancy, growing retirement planning needs, and health-related financial risks, these plans deliver a comprehensive approach to wealth accumulation and financial protection.
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