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Fulfillment Ratio for Annual Dividends and Non-guaranteed Monthly Incomes
The fulfillment ratio for annual dividends and non-guaranteed monthly incomes is calculated as the ratio of aggregate actual accumulated non-guaranteed annual dividends and non-guaranteed monthly incomes (including accumulation interests) against the illustrated amounts at the point of sale for all relevant inforce policies.
| Name of Participating Life Insurance Products | Type | Fulfillment ratios for annual dividends for reporting year 2025 | ||||||||||
| Policy effective in 2024 (Policy year 1) | Policy effective in 2023 (Policy year 2) | Policy effective in 2022 (Policy year 3) | Policy effective in 2021 (Policy year 4) | Policy effective in 2020 (Policy year 5) | Policy effective in 2019 (Policy year 6) | Policy effective in 2018 (Policy year 7) | Policy effective in 2017 (Policy year 8) | Policy effective in 2016 (Policy year 9) | Policy effective in 2015 (Policy year 10) | Policy effective in 2013-2014 (Policy year 10+) | ||
| Whole Life Plan | Whole Life | - | - | - | 100% | - | - | - | - | 100% | - | 63% |
| QuickStep | Whole Life | - | - | - | - | 100% | 100% | - | 100% | 100% | 61% | 62% |
| Leisure Moment | Whole Life | - | - | - | - | - | - | - | - | - | - | - |
| My Kit | Whole Life | - | - | - | - | - | - | - | - | 100% | 61% | 62% |
| Perfect Life | Whole Life | - | - | - | - | - | - | 100% | 100% | - | 61% | 63% |
| Beautiful Life | Whole Life | - | - | 100% | - | - | - | - | - | - | - | - |
| Dread Disease Whole Life Protector | Whole Life / Dread Disease | - | - | - | 100% | 100% | 100% | 100% | 100% | 100% | 65% | 61% |
| Endowment Plan | Endowment | - | - | - | - | - | - | - | - | - | - | - |
| Juvenile Endowment Plan | Endowment | - | - | - | - | 100% | - | - | - | 100% | 61% | 62% |
| Easy Savings | Endowment | - | - | - | - | - | - | - | - | - | - | - |
| Easy Saver Plus II Single Premium Protection Plan | Endowment | - | - | - | - | - | - | - | - | - | - | - |
| Monthly Income Protection Plan | Endowment | - | - | - | - | - | - | - | 100% | - | 63% | 66% |
| Abundant Life | Annuity | 100% | - | 100% | - | - | - | - | - | - | - | - |
Fulfillment Ratio For Terminal Dividend
The fulfillment ratio for Terminal Dividend is calculated as the ratio of aggregate payout of Terminal Dividend against the illustrated amounts at the point of sale for all relevant policies actually terminated in the reporting year.
| Name of Participating Life Insurance Products | Type | Fulfillment ratios for terminal dividends for reporting year 2025 | ||||||||||
| Policy effective in 2024 (Policy year 1) | Policy effective in 2023 (Policy year 2) | Policy effective in 2022 (Policy year 3) | Policy effective in 2021 (Policy year 4) | Policy effective in 2020 (Policy year 5) | Policy effective in 2019 (Policy year 6) | Policy effective in 2018 (Policy year 7) | Policy effective in 2017 (Policy year 8) | Policy effective in 2016 (Policy year 9) | Policy effective in 2015 (Policy year 10) | Policy effective in 2013-2014 (Policy year 10+) | ||
| Dread Disease Whole Life Protector | Whole Life / Dread Disease | - | - | - | - | - | - | - | - | - | 63% | 60% |
| Abundant Life | Annuity | - | - | - | - | - | - | - | - | - | - | - |
Remarks:
1. Product series shown are those which have new policies issued in the previous 5 calendar years prior to the reporting year.
2. Fulfillment ratio represents record of dividend in the past and is not an indicator of future declaration of the dividend of the products. The actual fulfillment ratios in future may be lower or higher than the historical fulfillment ratios as illustrated.