The following are Fulfillment Ratios of non-guaranteed Annual Dividends, Reversionary Bonuses, Terminal Dividends, Terminal Bonuses and policy value for products which have new policies issued in the previous five calendar years of reporting year 2022. The ratios are calculated up to the respective policy anniversary in the current reporting year.
The fulfillment ratio for annual dividends is calculated as the ratio of aggregate actual accumulated non-guaranteed annual dividends at their respective policy anniversary in year 2022 against the respective illustration amounts at the point of sale for all relevant policies that were in-force as of the end of year 2022.
The fulfillment ratio for reversionary bonuses is calculated as the ratio of aggregate actual accumulated non-guaranteed reversionary bonuses at their respective policy anniversary in relevant year against the respective illustrated amounts at the point of sale for all relevant policies that were in-force as of the end of year 2022 and for all relevant policies actually terminated in 2022. For avoidance of doubt, cash value of reversionary bonuses is used in the calculation.
The fulfillment ratio for terminal dividends/bonuses is calculated as the ratio of aggregate payout of terminal dividends/bonuses against the illustrated amounts at the point of sale for all relevant policies actually terminated in 2022. Similarly, cash value of terminal bonuses is used in the calculation.
The fulfillment ratio for policy value is calculated as the ratio of aggregate payout of policy value against the illustrated amounts at the point of sale for all relevant policies actually terminated in 2022.
For the purpose of calculation of Fulfillment Ratios, it is assumed that:
All annual dividends and reversionary bonuses (if any) declared are left with the company for interest accumulation since policy issuance based on the relevant actual interest rates.
All guaranteed monthly incomes (if any) and non-guaranteed monthly incomes (if any) paid are left with the Company for interest accumulation since policy issuance based on the relevant actual interest rates.
There is no change in Sum Insured / Unit of the policy since policy issuance.
Fulfillment Ratios may not be applicable due to the following reason(s):
No relevant policy is in-force with the respective policy year as of current reporting year.
The amount of accumulated annual dividends/reversionary bonuses and interest illustrated at the point of sale up to the respective policy year as of current reporting year is zero for the relevant policies.
No terminal dividend/bonuses or policy value was paid in reporting year:
No terminal dividends/bonuses or policy value was entitled by the policy upon the termination of the policy in the respective policy year; and/or
No relevant policy was actually terminated in the respective policy year.
Please be reminded that the annual dividend, reversionary bonus, terminal dividend/bonus and policy value history is not an indicator of future performance of our participating products.
Product
Regent Insurance Plan 2 (Premier Version) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
100%
100%
100%
101%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
100%
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Regent Insurance Plan 2 (Prestige Version) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
100%
100%
100%
101%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
100%
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
"HealthCare 168" Critical Illness Protector 2 (Closed to sales) - Critical illness life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
*For "HealthCare 168" Critical Illness Protector 2, it is assumed that there is no claim of living benefits since policy issuance.
Health@Ease Critical Illness Protector - Critical illness life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
*For "Health@Ease" Critical Illness Protector, it is assumed that there is no claim of living benefits since policy issuance.
@MyLove Insurance Plan I (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
100%
100%
100%
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
"Joyful Life" Insurance Plan - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
100%
100%
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
Fortune 100 Insurance Plan - Life insurance with cash coupons (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
100%
100%
100%
100%
100%
100%
100%
100%
99%
N/A
Terminal Dividends
USD
N/A
N/A
100%
100%
100%
100%
100%
100%
100%
N/A
N/A
*Cash coupon is also known as cash endowment.
"IncomePro" Annuity Plan - Endowment with annuity payment (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
100%
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
"IncomePro" Annuity Plan (Single Premium) - Endowment with annuity payment (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Regal Premier Saver (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
100%
100%
100%
100%
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
N/A
N/A
N/A
N/A
N/A
"MediSave" Medical Account - Medical life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
*For "MediSave" Medical Account, it is assumed that there is no claim of hospital & surgical benefits since policy issuance.
Signature Life Insurance Plan - Life insurance (participating)
Bright Future Insurance Plan/ Endless Love Insurance Plan/ Wealth Infinity Insurance Plan - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Fortune Saver Insurance Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Regent Prime Insurance Plan (Premier) (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Reversionary Bonus
USD
100%
100%
101%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Bonus
USD
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Regent Elite Insurance Plan (Premier) (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Reversionary Bonus
USD
100%
100%
101%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Bonus
USD
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Regent Insurance Plan 2 (Global Premier) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Regent Insurance Plan 2 (Global Prestige) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Prosperous Deferred Annuity Plan (Closed to sales) - Endowment with annuity payment (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Glorious Protection Insurance Plan (Closed to sales) - Endowment (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
"Regent · Prestige" Insurance Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
"Regent · Premier" Insurance Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
Regent Insurance Plan (Issued on or before 16/12/2016) (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
N/A
135%
122%
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
100%
N/A
N/A
N/A
N/A
Regent Insurance Plan (Issued on or after 17/12/2016) (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
104%
104%
126%
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
Remarks:
For Regent Insurance Plan issued on or before 16/12/2016, the actual accumulated annual dividend and interest in policy year 6 and 7 is significantly higher than that illustrated with the reason that annual dividends have been paid to these policies in the first 2 policy years despite the illustrated accumulated annual dividend and interest at point of sale was zero in policy years 1 and 2 respectively.
"HealthCare 168" Critical Illness Protector (Closed to sales) - Critical illness life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
N/A
N/A
N/A
N/A
N/A
*For "HealthCare 168" Critical Illness Protector, it is assumed that there is no claim of living benefits since policy issuance.
"HealthCare 100" Critical Illness Protector (Closed to sales) - Critical illness life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
100%
N/A
N/A
N/A
N/A
*For "HealthCare 100" Critical Illness Protector, it is assumed that there is no claim of living benefits since policy issuance.
"EXTRA" Income Plan (Closed to sales) - Endowment with annuity payment (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
100%
99%
98%
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
*For "EXTRA" Income Plan, the fulfillment ratio is the ratio of actual to illustrated non-guaranteed components, including accumulated dividends and interest, non-guaranteed monthly incomes and interest on both accumulated guaranteed monthly incomes and accumulated non-guaranteed monthly incomes.
TG Life Insurance Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
100%
99%
98%
HKD
N/A
N/A
N/A
N/A
N/A
100%
100%
100%
100%
98%
98%
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
HKD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
40%
Policy Value
USD
N/A
N/A
N/A
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
HKD
N/A
N/A
N/A
N/A
N/A
100%
100%
N/A
N/A
N/A
100%
Leisure Life Insurance Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
100%
99%
99%
HKD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
61%
65%
70%
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
92%
50%
50%
HKD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
32%
32%
32%
Policy Value
USD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
100%
100%
100%
HKD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
100%
100%
100%
"Super Kid" Children's Educational Fund (Closed to sales) - Endowment with cash coupons and guaranteed insurability option at maturity (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
100%
100%
100%
99%
HKD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
60%
60%
60%
60%
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
100%
100%
100%
N/A
70%
70%
HKD
N/A
N/A
N/A
N/A
80%
N/A
80%
80%
47%
32%
32%
*Cash coupon is also known as cash endowment.
TopLife Insurance Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
N/A
71%
76%
78%
86%
84%
88%
87%
HKD
N/A
N/A
N/A
N/A
78%
82%
82%
83%
80%
61%
61%
"Healthy Senior" Insurance Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
HKD
N/A
N/A
N/A
N/A
61%
63%
66%
67%
68%
68%
69%
Terminal Dividends
HKD
N/A
N/A
N/A
N/A
N/A
N/A
80%
N/A
N/A
32%
32%
Policy Value
HKD
N/A
N/A
N/A
N/A
N/A
N/A
100%
N/A
N/A
100%
100%
LifeCare Medical Account Series (Closed to sales) - Medical life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
104%
105%
105%
105%
105%
105%
HKD
N/A
N/A
N/A
N/A
100%
104%
105%
105%
54%
42%
42%
*For LifeCare Medical Account Series, it is assumed that there is no claim of hospital & surgical benefits since policy issuance.
Superior Life Insurance Plan (Closed to sales) - Life insurance with cash coupons (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Terminal Dividends
USD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
63%
N/A
HKD
N/A
N/A
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
N/A
*Cash coupon is also known as cash endowment.
Success Pay Life Saving Plan (Closed to sales) - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
N/A
N/A
100%
100%
100%
100%
100%
100%
99%
98%
HKD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
100%
99%
98%
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
81%
61%
61%
HKD
N/A
N/A
N/A
N/A
100%
100%
100%
100%
45%
40%
40%
@MyLove Insurance Plan II - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
100%
100%
100%
100%
100%
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
N/A
N/A
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
"RewardPro" Insurance Plan - Life insurance (participating)
Dividend/ Bonus Type
Policy Currency
Fulfillment Ratios for reporting year 2022
Policy Year 1
Policy Year 2
Policy Year 3
Policy Year 4
Policy Year 5
Policy Year 6
Policy Year 7
Policy Year 8
Policy Year 9
Policy Year 10
Policy Year 11+
Annual Dividends
USD
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Terminal Dividends
USD
N/A
100%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Prosperous Deferred Annuity Plan 2 - Endowment with annuity payment (participating)