Historical Performance for With-Profits Reversionary Bonus Plans
To provide an overview of the Company’s bonus declaration history, the following tables show the fulfillment ratio for each of our participating products which have new policies issued in the previous 5 calendar years prior to the reporting year 2018. The fulfillment ratio is calculated as the ratio of aggregate actual cash value of bonuses against the illustrated amounts at the point of sale.
The historical fulfillment ratios are intended for reference purpose only and should not be taken as an indicator of future bonus declaration result of the participating products. The actual fulfillment ratios in future may be lower or higher than the historical fulfillment ratios as illustrated.
Please select product:
Product Series: Achiever Life Series
Product type: Participating Whole Life
The fulfillment ratio of similar products
PRUlife saver
PRUlife juvenile saver
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Achiever Life series - regular pay (USD) |
N/A | N/A | 50% | 53% | 45% | 29% | 27% | 27% |
Achiever Life II - regular pay (USD) |
N/A | N/A | N/A | N/A | 26% | 29% | 27% | 27% |
Achiever Life III - regular pay (USD) |
N/A | N/A | 50% | 53% | 55% | N/A | N/A | N/A |
| Achiever Life series - regular pay (HKD) |
N/A | N/A | 68% | 70% | 51% | 35% | 35% | 34% |
Achiever Life II - regular pay (HKD) |
N/A | N/A | N/A | N/A | 35% | 35% | 35% | 34% |
Achiever Life III - regular pay (HKD) |
N/A | N/A | 68% | 70% | 75% | N/A | N/A | N/A |
| Achiever Life series - single pay (USD) |
N/A | N/A | 100% | 100% | 89% | 62% | 55% | 60% |
Achiever Life II - single pay (USD) |
N/A | N/A | N/A | N/A | 81% | 62% | 55% | 60% |
Achiever Life III - single pay (USD) |
N/A | N/A | 100% | 100% | 94% | N/A | N/A | N/A |
| Achiever Life series - single pay (HKD) |
N/A | N/A | 100% | 100% | 74% | 59% | 57% | 61% |
Achiever Life II - single pay (HKD) |
N/A | N/A | N/A | N/A | 71% | 59% | 57% | 61% |
Achiever Life III - single pay (HKD) |
N/A | N/A | 100% | 100% | 91% | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Achiever Life series - regular pay (USD) |
N/A | N/A | 80% | 89% | 113% | 89% | 109% | 97% |
Achiever Life II - regular pay (USD) |
N/A | N/A | N/A | N/A | 85% | 89% | 109% | 97% |
Achiever Life III - regular pay (USD) |
N/A | N/A | 80% | 89% | 138% | N/A | N/A | N/A |
| Achiever Life series - regular pay (HKD) |
N/A | N/A | 82% | 93% | 58% | 66% | 77% | 64% |
Achiever Life II - regular pay (HKD) |
N/A | N/A | N/A | N/A | 52% | 66% | 77% | 64% |
Achiever Life III - regular pay (HKD) |
N/A | N/A | 82% | 93% | 124% | N/A | N/A | N/A |
| Achiever Life series - single pay (USD) |
N/A | N/A | 79% | 109% | 92% | N/A | 94% | 118% |
Achiever Life II - single pay (USD) |
N/A | N/A | N/A | N/A | 87% | N/A | 94% | 118% |
Achiever Life III - single pay (USD) |
N/A | N/A | 79% | 109% | 95% | N/A | N/A | N/A |
| Achiever Life series - single pay (HKD) |
N/A | N/A | N/A | N/A | 83% | 76% | 83% | 86% |
Achiever Life II - single pay (HKD) |
N/A | N/A | N/A | N/A | 83% | 76% | 83% | 86% |
Achiever Life III - single pay (HKD) |
N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- Achiever Life series includes Achiever Life Assurance II and Achiever Life Assurance III
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Achiever Life series - regular pay (USD) |
28% | 27% | 40% |
Achiever Life II - regular pay (USD) |
28% | 27% | 40% |
Achiever Life III - regular pay (USD) |
N/A | N/A | N/A |
| Achiever Life series - regular pay (HKD) |
34% | 39% | N/A |
Achiever Life II - regular pay (HKD) |
34% | 39% | N/A |
Achiever Life III - regular pay (HKD) |
N/A | N/A | N/A |
| Achiever Life series - single pay (USD) |
63% | 54% | 62% |
Achiever Life II - single pay (USD) |
63% | 54% | 62% |
Achiever Life III - single pay (USD) |
N/A | N/A | N/A |
| Achiever Life series - single pay (HKD) |
64% | 67% | N/A |
Achiever Life II - single pay (HKD) |
64% | 67% | N/A |
Achiever Life III - single pay (HKD) |
N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Achiever Life series - regular pay (USD) |
112% | 124% | 155% |
Achiever Life II - regular pay (USD) |
112% | 124% | 155% |
Achiever Life III - regular pay (USD) |
N/A | N/A | N/A |
| Achiever Life series - regular pay (HKD) |
65% | 61% | N/A |
Achiever Life II - regular pay (HKD) |
65% | 61% | N/A |
Achiever Life III - regular pay (HKD) |
N/A | N/A | N/A |
| Achiever Life series - single pay (USD) |
165% | 104% | 152% |
Achiever Life II - single pay (USD) |
165% | 104% | 152% |
Achiever Life III - single pay (USD) |
N/A | N/A | N/A |
| Achiever Life series - single pay (HKD) |
103% | 103% | N/A |
Achiever Life II - single pay (HKD) |
103% | 103% | N/A |
Achiever Life III - single pay (HKD) |
N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Achiever Life series includes Achiever Life Assurance II and Achiever Life Assurance III
- The provision of fulfillment ratios for policy year 9-10 & 10+ serves as supplementary information only. The ratios are calculated based on a sample policy (e.g. life assured who is a 35 year-old male non-smoker buying a policy with 10 years premium payment term for regular pay or single premium payment) of the relevant participating products
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: Better Life Series
Product type: Participating Whole Life
The fulfillment ratio of similar products
PRUlife protector
PRULife Protector II
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Better Life series - regular pay (USD) |
N/A | N/A | 95% | 95% | 83% | 29% | 27% | 27% |
Better Life II - regular pay (USD) |
N/A | N/A | N/A | N/A | 34% | 29% | 27% | 27% |
Better Life III - regular pay (USD) |
N/A | N/A | 95% | 95% | 90% | N/A | N/A | N/A |
| Better Life series - regular pay (HKD) |
N/A | N/A | 88% | 89% | 67% | 35% | 35% | 34% |
Better Life II - regular pay (HKD) |
N/A | N/A | N/A | N/A | 40% | 35% | 35% | 34% |
Better Life III - regular pay (HKD) |
N/A | N/A | 88% | 89% | 90% | N/A | N/A | N/A |
| Better Life series - single pay (USD) |
N/A | N/A | 103% | 103% | 92% | 61% | 56% | 60% |
Better Life II - single pay (USD) |
N/A | N/A | N/A | N/A | 67% | 61% | 56% | 60% |
Better Life III - single pay (USD) |
N/A | N/A | 103% | 103% | 100% | N/A | N/A | N/A |
| Better Life series - single pay (HKD) |
N/A | N/A | 101% | 101% | 66% | 59% | 57% | 61% |
Better Life II - single pay (HKD) |
N/A | N/A | N/A | N/A | 65% | 59% | 57% | 61% |
Better Life III - single pay (HKD) |
N/A | N/A | 101% | 101% | 93% | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Better Life series - regular pay (USD) |
N/A | N/A | 51% | 58% | 71% | 82% | 106% | 97% |
Better Life II - regular pay (USD) |
N/A | N/A | N/A | N/A | 59% | 82% | 106% | 97% |
Better Life III - regular pay (USD) |
N/A | N/A | 51% | 58% | 72% | N/A | N/A | N/A |
| Better Life series - regular pay (HKD) |
N/A | N/A | 60% | 61% | 69% | 64% | 75% | 60% |
Better Life II - regular pay (HKD) |
N/A | N/A | N/A | N/A | 46% | 64% | 75% | 60% |
Better Life III - regular pay (HKD) |
N/A | N/A | 60% | 61% | 84% | N/A | N/A | N/A |
| Better Life series - single pay (USD) |
N/A | N/A | 91% | 101% | 100% | N/A | 92% | 101% |
Better Life II - single pay (USD) |
N/A | N/A | N/A | N/A | N/A | N/A | 92% | 101% |
Better Life III - single pay (USD) |
N/A | N/A | 91% | 101% | 100% | N/A | N/A | N/A |
| Better Life series - single pay (HKD) |
N/A | N/A | N/A | N/A | N/A | N/A | 81% | 85% |
Better Life II - single pay (HKD) |
N/A | N/A | N/A | N/A | N/A | N/A | 81% | 85% |
Better Life III - single pay (HKD) |
N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
-
Better Life series includes Better Life Assurance II and Better Life Assurance III
- Better Life Assurance II (Better Life Assurance II , Better HeadStart and Better Golden Years)
- Better Life Assurance III (Better Life Assurance III, Better HeadStart III and Better Golden Years III)
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Better Life series - regular pay (USD) |
28% | 27% | 41% |
Better Life II - regular pay (USD) |
28% | 27% | 41% |
Better Life III - regular pay (USD) |
N/A | N/A | N/A |
| Better Life series - regular pay (HKD) |
34% | 39% | 45% |
Better Life II - regular pay (HKD) |
34% | 39% | 45% |
Better Life III - regular pay (HKD) |
N/A | N/A | N/A |
| Better Life series - single pay (USD) |
63% | 54% | 62% |
Better Life II - single pay (USD) |
63% | 54% | 62% |
Better Life III - single pay (USD) |
N/A | N/A | N/A |
| Better Life series - single pay (HKD) |
64% | 67% | N/A |
Better Life II - single pay (HKD) |
64% | 67% | N/A |
Better Life III - single pay (HKD) |
N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Better Life series - regular pay (USD) |
112% | 124% | 155% |
Better Life II - regular pay (USD) |
112% | 124% | 155% |
Better Life III - regular pay (USD) |
N/A | N/A | N/A |
| Better Life series - regular pay (HKD) |
65% | 61% | 45% |
Better Life II - regular pay (HKD) |
65% | 61% | 45% |
Better Life III - regular pay (HKD) |
N/A | N/A | N/A |
| Better Life series - single pay (USD) |
165% | 104% | 152% |
Better Life II - single pay (USD) |
165% | 104% | 152% |
Better Life III - single pay (USD) |
N/A | N/A | N/A |
| Better Life series - single pay (HKD) |
103% | 103% | N/A |
Better Life II - single pay (HKD) |
103% | 103% | N/A |
Better Life III - single pay (HKD) |
N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
-
Better Life series includes Better Life Assurance II and Better Life Assurance III
- Better Life Assurance II (Better Life Assurance II , Better HeadStart and Better Golden Years)
- Better Life Assurance III (Better Life Assurance III, Better HeadStart III and Better Golden Years III)
- The provision of fulfillment ratios for policy year 9-10 & 10+ serves as supplementary information only. The ratios are calculated based on a sample policy (e.g. life assured who is a 1 / 35 / 65 year-old male non-smoker buying a policy with 10 years premium payment term for regular pay or single premium payment) of the relevant participating products
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: Evergreen Growth Saver
Product type: Participating Whole Life
The fulfillment ratio of similar products
Evergreen Growth Saver Plus
Evergreen Growth Saver Plus II
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Evergreen Growth Saver - regular pay (USD) | N/A | N/A | 50% | 50% | 49% | 43% | 47% | 49% |
| Evergreen Growth Saver - regular pay (HKD) | N/A | N/A | 67% | 65% | 58% | 67% | 71% | N/A |
| Evergreen Growth Saver - regular pay (RMB) | N/A | N/A | 75% | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (USD) | 105% | 98% | 77% | 83% | 113% | 68% | 65% | 67% |
| Evergreen Growth Saver - single pay (HKD) | 114% | 102% | 77% | 82% | 88% | 70% | 73% | N/A |
| Evergreen Growth Saver - single pay (RMB) | 83% | 83% | 87% | N/A | N/A | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Evergreen Growth Saver - regular pay (USD) | N/A | N/A | 75% | 68% | 46% | 68% | 88% | 82% |
| Evergreen Growth Saver - regular pay (HKD) | N/A | N/A | 83% | 74% | 53% | 55% | 73% | N/A |
| Evergreen Growth Saver - regular pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (USD) | 165% | 147% | 108% | 112% | 97% | 117% | 150% | 159% |
| Evergreen Growth Saver - single pay (HKD) | 202% | 172% | 126% | 132% | 83% | 75% | 98% | N/A |
| Evergreen Growth Saver - single pay (RMB) | 249% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Evergreen Growth Saver - regular pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver - regular pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver - regular pay (RMB) | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (RMB) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Evergreen Growth Saver - regular pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver - regular pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver - regular pay (RMB) | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver - single pay (RMB) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: Evergreen Growth Saver Plus
Product type: Participating Whole Life
The fulfillment ratio of similar products
Evergreen Growth Saver
Evergreen Growth Saver Plus II
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Evergreen Growth Saver Plus - regular pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (USD) | 100% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (HKD) | 100% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (RMB) | 100% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Evergreen Growth Saver Plus - regular pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Evergreen Growth Saver Plus - regular pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (RMB) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (RMB) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Evergreen Growth Saver Plus - regular pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - regular pay (RMB) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus - single pay (RMB) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: Evergreen Growth Saver Plus II
Product type: Participating Whole Life
The fulfillment ratio of similar products
Evergreen Growth Saver
Evergreen Growth Saver Plus
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Evergreen Growth Saver Plus II - regular pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Evergreen Growth Saver Plus II - regular pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Evergreen Growth Saver Plus II - regular pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (RMB) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (RMB) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Evergreen Growth Saver Plus II - regular pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - regular pay (RMB) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (USD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (HKD) | N/A | N/A | N/A |
| Evergreen Growth Saver Plus II - single pay (RMB) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: Delightful Life Assurance
Product type: Participating Whole Life
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Delightful Life Assurance (USD) | N/A | N/A | 84% | 85% | 83% | N/A | N/A | N/A |
| Delightful Life Assurance (HKD) | N/A | N/A | 85% | 87% | 88% | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Delightful Life Assurance (USD) | N/A | N/A | 94% | 88% | 110% | N/A | N/A | N/A |
| Delightful Life Assurance (HKD) | N/A | N/A | 101% | 100% | 114% | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Delightful Life Assurance (USD) | N/A | N/A | N/A |
| Delightful Life Assurance (HKD) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Delightful Life Assurance (USD) | N/A | N/A | N/A |
| Delightful Life Assurance (HKD) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: PRUcash
Product type: Participating Endowment
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUcash | N/A | N/A | 100% | 102% | 112% | 112% | 111% | 108% |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUcash | N/A | N/A | 842% | 165% | 116% | 138% | 129% | 145% |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
- The non-guaranteed interests earned on Accumulated Guaranteed Cash Payments (if applicable) are also included in the calculation of fulfillment ratios of Reversionary Bonus Cash Value.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUcash | 108% | 106% | 104% |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUcash | 165% | 175% | 240% |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- The provision of fulfillment ratios for policy year 9-10 & 10+ serves as supplementary information only. The ratios are calculated based on a sample policy (e.g. life assured who is a 35 year-old male non-smoker buying a policy with 21 years premium payment term) of the relevant participating products
- The non-guaranteed interests earned on Accumulated Guaranteed Cash Payments (if applicable) are also included in the calculation of fulfillment ratios of Reversionary Bonus Cash Value.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: PRUlife saver
Product type: Participating Whole Life
The fulfillment ratio of similar products
Achiever Life Series
PRUlife juvenile saver
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUlife saver - regular pay (USD) | N/A | N/A | 50% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - regular pay (HKD) | N/A | N/A | 83% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - regular pay (RMB) | N/A | N/A | 94% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - single pay (USD) | 85% | 75% | 66% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - single pay (HKD) | 95% | 91% | 93% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - single pay (RMB) | 104% | 101% | 102% | N/A | N/A | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUlife saver - regular pay (USD) | N/A | N/A | 114% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - regular pay (HKD) | N/A | N/A | 119% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - regular pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - single pay (USD) | N/A | 102% | 102% | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - single pay (HKD) | N/A | 90% | N/A | N/A | N/A | N/A | N/A | N/A |
| PRUlife saver - single pay (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUlife saver - regular pay (USD) | N/A | N/A | N/A |
| PRUlife saver - regular pay (HKD) | N/A | N/A | N/A |
| PRUlife saver - regular pay (RMB) | N/A | N/A | N/A |
| PRUlife saver - single pay (USD) | N/A | N/A | N/A |
| PRUlife saver - single pay (HKD) | N/A | N/A | N/A |
| PRUlife saver - single pay (RMB) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUlife saver - regular pay (USD) | N/A | N/A | N/A |
| PRUlife saver - regular pay (HKD) | N/A | N/A | N/A |
| PRUlife saver - regular pay (RMB) | N/A | N/A | N/A |
| PRUlife saver - single pay (USD) | N/A | N/A | N/A |
| PRUlife saver - single pay (HKD) | N/A | N/A | N/A |
| PRUlife saver - single pay (RMB) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: PRUlife protector
Product type: Participating Whole Life
The fulfillment ratio of similar products
Better Life Series
PRULife Protector II
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUlife protector - regular pay (USD) | N/A | N/A | 95% | N/A | N/A | N/A | N/A | N/A |
| PRUlife protector - regular pay (HKD) | N/A | N/A | 109% | N/A | N/A | N/A | N/A | N/A |
| PRUlife protector - single pay (USD) | 100% | 100% | 100% | N/A | N/A | N/A | N/A | N/A |
| PRUlife protector - single pay (HKD) | 100% | 100% | 100% | N/A | N/A | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUlife protector - regular pay (USD) | N/A | N/A | 93% | N/A | N/A | N/A | N/A | N/A |
| PRUlife protector - regular pay (HKD) | N/A | N/A | 105% | N/A | N/A | N/A | N/A | N/A |
| PRUlife protector - single pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRUlife protector - single pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUlife protector - regular pay (USD) | N/A | N/A | N/A |
| PRUlife protector - regular pay (HKD) | N/A | N/A | N/A |
| PRUlife protector - single pay (USD) | N/A | N/A | N/A |
| PRUlife protector - single pay (HKD) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUlife protector - regular pay (USD) | N/A | N/A | N/A |
| PRUlife protector - regular pay (HKD) | N/A | N/A | N/A |
| PRUlife protector - single pay (USD) | N/A | N/A | N/A |
| PRUlife protector - single pay (HKD) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: PRULife Protector II
Product type: Participating Whole Life
The fulfillment ratio of similar products
Better Life Series
PRUlife protector
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRULife Protector II – regular pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRULife Protector II – regular pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRULife Protector II – single pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRULife Protector II – single pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRULife Protector II – regular pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRULife Protector II – regular pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRULife Protector II – single pay (USD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| PRULife Protector II – single pay (HKD) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRULife Protector II – regular pay (USD) | N/A | N/A | N/A |
| PRULife Protector II – regular pay (HKD) | N/A | N/A | N/A |
| PRULife Protector II – single pay (USD) | N/A | N/A | N/A |
| PRULife Protector II – single pay (HKD) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRULife Protector II – regular pay (USD) | N/A | N/A | N/A |
| PRULife Protector II – regular pay (HKD) | N/A | N/A | N/A |
| PRULife Protector II – single pay (USD) | N/A | N/A | N/A |
| PRULife Protector II – single pay (HKD) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: PRUlife juvenile saver
Product type: Participating Whole Life
The fulfillment ratio of similar products
Achiever Life Series
PRUlife saver
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUlife juvenile saver (USD) | N/A | N/A | 50% | N/A | N/A | N/A | N/A | N/A |
| PRUlife juvenile saver (HKD) | N/A | N/A | 83% | N/A | N/A | N/A | N/A | N/A |
| PRUlife juvenile saver (RMB) | N/A | N/A | 94% | N/A | N/A | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| PRUlife juvenile saver (USD) | N/A | N/A | 114% | N/A | N/A | N/A | N/A | N/A |
| PRUlife juvenile saver (HKD) | N/A | N/A | 119% | N/A | N/A | N/A | N/A | N/A |
| PRUlife juvenile saver (RMB) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUlife juvenile saver (USD) | N/A | N/A | N/A |
| PRUlife juvenile saver (HKD) | N/A | N/A | N/A |
| PRUlife juvenile saver (RMB) | N/A | N/A | N/A |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| PRUlife juvenile saver (USD) | N/A | N/A | N/A |
| PRUlife juvenile saver (HKD) | N/A | N/A | N/A |
| PRUlife juvenile saver (RMB) | N/A | N/A | N/A |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
- How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Product Series: Double Treasure Plan
Product type: Participating Income Plan
- Policy year 1 – 8
- More policy year
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Double Treasure Plan (USD) | N/A | N/A | 42% | 50% | 75% | 55% | 47% | 52% |
| Double Treasure Plan (HKD) | N/A | N/A | 67% | 65% | 42% | 31% | 26% | 27% |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Policy effective in1 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Double Treasure Plan (USD) | N/A | N/A | N/A | 51% | 100% | N/A | N/A | N/A |
| Double Treasure Plan (HKD) | N/A | N/A | 21% | 47% | 44% | 8% | 52% | 13% |
Notes
- Policy effective in respective year refers to policies commencing from January to December of the year
- The fulfilment ratio is the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
- The provision of fulfillment ratios for policy year 1 to 8 serves to fulfill the regulatory requirement. The presented fulfillment ratio is the ratio of aggregate actual cash value of bonuses against the illustrated amount at the point of sale for all relevant policies.
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero; or
- no relevant policy was terminated in the reporting year
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Double Treasure Plan (USD) | 56% | 49% | 54% |
| Double Treasure Plan (HKD) | 26% | 25% | 31% |
Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2018
| Policy year | 9 | 10 | 10+ |
|---|---|---|---|
| Policy effective in1 | 2009 | 2008 | Before 2008 |
| Double Treasure Plan (USD) | 165% | 230% | 158% |
| Double Treasure Plan (HKD) | 69% | 100% | 72% |
Notes
- Policy effective in respective year refers to a policy commencing from January to December of the year
- The provision of fulfillment ratios for policy year 9-10 & 10+ serves as supplementary information only. The ratios are calculated based on a sample policy (e.g. life assured who is a 35 year-old male non-smoker buying a policy with 8 years premium payment term) of the relevant participating products
-
Some of the above fulfillment ratios are shown as “N/A” because in the respective year:
- the relevant products were closed to sale; or
- the products were not yet launched; or
- the bonus illustrated at the point of sale was zero
-
How to interpret fulfillment ratios :
- The fulfillment ratios indicate how the actual declared bonuses of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the actual accumulated non-guaranteed Reversionary Bonus Cash Value or actual non-guaranteed Special Bonus Cash Value declared is 20% higher than the illustrated amount at the point of sale
- It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration result of the participating products
If you would like to enquire about the fulfillment ratios of other product types, please click on the links below:
