Short-term savings insurance is more suitable for achieving financial goals within 5 years; Long-term savings insurance is more suitable for longer term financial goals such as children education and retirement.

Long-term savings insurance has guaranteed return and projected return. Projected return is affected by different factors including investment performance, operating expenses, etc., which may underperform and drag the overall return down below the expected level.

The Insurance Authority requires insurance companies to disclose the dividend fulfilment ratio of participating savings insurance for at least the past 5 years against the projected dividends in the proposal illustration. The higher the ratio to 100% means the more the insurance company is able to distribute dividends according to its original projection.