Total Cash Value Ratio for With-Profits Plans/Shareholder-backed Participating Plans

The following tables show the Total Cash Value (TCV) ratio for each of our participating products which have new policies issued since 2010 and still have policies inforce in the reporting year. The TCV ratio is calculated as the ratio of actual total cash value declared, which includes guaranteed cash value and corresponding non-guaranteed elements of the product, against the illustrated amount at the point of sale.

TCV ratio is a good indicator for the actual accumulated performance of a policy compared to that illustrated at point of sale.

The historical TCV ratios are intended for reference purpose only and should not be taken as an indicator of future performance of the participating products. The actual TCV ratios in future may be lower or higher than the historical TCV ratios as illustrated.

Click here for a more detailed explanation of TCV ratio (available in Chinese version only).

How to Interpret Total Cash Value Ratio

The TCV / Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratios indicate how the actual performance of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a TCV / TMI / TMA ratio of 120% means that the actual TCV / TMI / TMA is 20% higher than the illustrated amount at the point of sale.

It should be noted that the TCV / TMI / TMA ratio only reflects the performance 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.

The Total Cash Value Ratio calculates the average value of all relevant in-force policies and may not necessarily reflect the circumstances of individual policies. Policyholders can refer to their own anniversary statement for the relevant policy value.

Click here for the illustrative example of TCV ratio calculation.

Long-term Average Actual Total Internal Rate of Return

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Product Series

Achiever Life Series II

Achiever Life Series II - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales78%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales68%

 

Achiever Life Series II - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales85%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales73%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.
  6. Achiever Life Series II includes Achiever Life Assurance II, Achiever Life Assurance II (Single Premium).

Achiever Life Series III

Achiever Life Series III - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales73%75%76%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales79%75%

 

Achiever Life Series III - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales78%82%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%91%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.
  6. Achiever Life Series III includes Achiever Life Assurance III, Achiever Life Assurance III (Single Premium).

Best Start Plan

Best Start Plan
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales82%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Better Life Series II

Better Life Series II - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales77%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales65%

 

Better Life Series II - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales85%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales69%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.
  6. Better Life Series II includes Better Life Assurance II, Better Golden Years, Better Head Start, Better Life Plus II.

Better Life Series III

Better Life Series III - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales68%67%74%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales79%83%

 

Better Life Series III - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales74%77%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales77%86%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.
  6. Better Life Series III includes Better Life Assurance III, Better Golden Years III, Better Head Start III, Better Life Plus III.

PRUsave Plus / Easi-PRUsave Plus

PRUsave Plus / Easi-PRUsave Plus
Product Type : Participating Endowment

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales94%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUWealth 8-year Saver

PRUWealth 8-year Saver
Product Type : Participating Endowment

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to sales100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Delightful Life Assurance

Delightful Life Assurance
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales93%77%74%82%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales93%77%77%93%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Growth Saver

Evergreen Growth Saver - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales83%82%77%75%76%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales83%80%76%75%72%
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales98%94%95%Not yet launched

 

Evergreen Growth Saver - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales92%85%84%86%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales89%84%87%79%
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales105%105%109%Not yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Growth Saver Plus

Evergreen Growth Saver Plus - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales83%80%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales80%77%Not yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales91%94%Not yet launchedNot yet launchedNot yet launched

 

Evergreen Growth Saver Plus - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales89%87%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales87%85%Not yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales98%101%Not yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Growth Saver Plus II

Evergreen Growth Saver Plus II - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)100%100%97%93%89%87%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)100%92%92%89%85%81%Not yet launchedNot yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to sales96%96%95%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Evergreen Growth Saver Plus II - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%104%99%90%81%87%95%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKD100%104%103%93%91%88%90%Not yet launchedNot yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to sales98%99%100%Not yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Wealth Advance

Evergreen Wealth Advance
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Terminal Dividend.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Wealth Income

Evergreen Wealth Income
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

Accumulated Total Monthly Income (TMI) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Dividend, accumulated Guaranteed and Non-guaranteed Monthly Income distributed and non-guaranteed interests earned on accumulated Monthly Income (if applicable).
  3. Total Monthly Income (TMI) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income distributed and non-guaranteed interests earned on accumulated Monthly Income (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Wealth Income Plus

Evergreen Wealth Income Plus
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

Accumulated Total Monthly Income (TMI) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Dividend, accumulated Guaranteed and Non-guaranteed Monthly Income distributed and non-guaranteed interests earned on accumulated Monthly Income (if applicable).
  3. Total Monthly Income (TMI) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income distributed and non-guaranteed interests earned on accumulated Monthly Income (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Wealth Max

Evergreen Wealth Max
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to sales99%99%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Terminal Dividend.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Wealth Max II

Evergreen Wealth Max II
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%100%99%99%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Terminal Dividend.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Wealth Multi-Currency Plan

Evergreen Wealth Multi-Currency Plan
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)100%104%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)100%103%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
RMBN/A(1)100%103%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
GBPN/A(1)100%103%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
AUDN/A(1)100%103%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
CADN/A(1)100%103%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Terminal Dividend.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Evergreen Wealth Protector

Evergreen Wealth Protector
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)100%98%101%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Terminal Dividend.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Galaxy Lifelong Income Savings Plan

Galaxy Lifelong Income Savings Plan
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales86%81%83%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of Guaranteed Cash Value, and if applicable, Terminal Dividend, Accumulated Cash Dividend, Accumulated Guaranteed Cash Payment and non-guaranteed interests earned on Accumulated Cash Dividends and Accumulated Guaranteed Cash Payments.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

LiveFree Protector

LiveFree Protector - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

LiveFree Protector - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%103%100%79%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Prime Eternity

Prime Eternity
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUcash

PRUcash
Product Type : Participating Endowment

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)100%103%99%95%95%95%98%102%99%100%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Accumulated Yearly Cashback, Reversionary Bonus Cash Value, Special Bonus Cash Value and non-guaranteed interests earned on accumulated guaranteed cash payments (if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Prudential Entrust Multi-Currency Plan

Prudential Entrust Multi-Currency Plan
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
RMBNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
GBPNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
AUDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
CADNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Terminal Bonus Cash Value
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Best Start

PRUlife Best Start
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales94%84%78%75%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of Guaranteed Cash Value, and if applicable, Terminal Dividend, Accumulated Cash Dividend, Accumulated Guaranteed Cash Payment and non-guaranteed interests earned on Accumulated Cash Dividends and Accumulated Guaranteed Cash Payments.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Coupon Saver

PRUlife Coupon Saver
Product Type : Participating Saving Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)104%101%90%84%80%Not yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Dividend, cumulative Guaranteed Cash Coupon distributed and non-guaranteed interest earned on accumulated Guaranteed Cash Coupon.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRULife HeadStart Dream Saver

PRULife HeadStart Dream Saver
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)102%99%97%95%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Dividend, cumulative Guaranteed Cash Coupon paid and non-guaranteed interest earned on accumulated Guaranteed Cash Coupon.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRULife HeadStart Education Saver

PRULife HeadStart Education Saver
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)107%101%93%95%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Dividend, cumulative Guaranteed Cash Coupon paid and non-guaranteed interest earned on accumulated Guaranteed Cash Coupon.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Plus

PRUlife Plus
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales103%97%90%96%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of Guaranteed Cash Value, and if applicable, Terminal Dividend, Accumulated Cash Dividend, Accumulated Guaranteed Cash Payment and non-guaranteed interests earned on Accumulated Cash Dividends and Accumulated Guaranteed Cash Payments.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Premier

PRUlife Premier
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales124%121%128%150%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of Guaranteed Cash Value, and if applicable, Terminal Dividend, Accumulated Cash Dividend, Accumulated Guaranteed Cash Payment and non-guaranteed interests earned on Accumulated Cash Dividends and Accumulated Guaranteed Cash Payments.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Prestige Wealth Planner

PRUlife Prestige Wealth Planner
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to sales100%100%100%100%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Protector

To learn more about the performance of the plan, please click HERE to review the total cash value ratio.

The TCV ratio is calculated as the ratio of actual total cash value declared, which includes guaranteed cash value and corresponding non-guaranteed elements of the product, against the illustrated amount at the point of sale. It is a good indicator for the actual accumulated performance of a policy compared to that illustrated at point of sale.

PRUlife Protector - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales89%82%82%76%72%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales93%86%83%83%78%Not yet launched

 

PRUlife Protector - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales98%98%92%85%90%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales97%87%88%87%Not yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.
N/A(2)
 

PRULife Protector II

PRULife Protector II - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)107%96%87%87%85%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)100%97%95%95%101%Not yet launchedNot yet launchedNot yet launchedNot yet launched

PRULife Protector II - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to sales88%86%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to sales94%91%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Saver / PRUlife Juvenile Saver

PRUlife Saver / PRUlife Juvenile Saver - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to sales91%81%81%78%75%76%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to sales107%98%91%77%76%79%Not yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales108%106%86%78%75%Not yet launched

 

PRUlife Saver / PRUlife Juvenile Saver - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales90%94%93%86%85%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales89%90%87%76%73%Not yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales96%88%86%85%89%Not yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Yearly Income Plan

Yearly Income Plan
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales78%77%83%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of Guaranteed Cash Value, and if applicable, Terminal Dividend, Accumulated Cash Dividend, Accumulated Guaranteed Cash Payment and non-guaranteed interests earned on Accumulated Cash Dividends and Accumulated Guaranteed Cash Payments.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Prime Vantage Protector

Prime Vantage Protector
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Prime Vantage Prestige Protector Insurance Plan

Prime Vantage Prestige Protector Insurance Plan
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Special Bonus
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Prudential Enlight Savings Insurance/ Prudential Baby Enlight Savings Insurance

Prudential Enlight Savings Insurance/ Prudential Baby Enlight Savings Insurance
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value, cumulative Guaranteed Cash Coupon paid and non-guaranteed interest earned on accumulated Guaranteed Cash Coupon.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Prime Ace Insurance Plan

Prime Ace Insurance Plan 
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value and Special Bonus Cash Value.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

LiveFree Protector Insurance Plan II

LiveFree Protector Insurance Plan II  - Regular Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

LiveFree Protector Insurance Plan II - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUflexilife

PRUflexilife
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales98%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of Guaranteed Cash Value, and if applicable, Terminal Dividend, Accumulated Cash Dividend, Accumulated Guaranteed Cash Payment and non-guaranteed interests earned on Accumulated Cash Dividends and Accumulated Guaranteed Cash Payments.
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUcrisis Cover Lifelong Protector

PRUcrisis Cover Lifelong Protector
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales74%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales74%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUmyhealth Lifelong Crisis Protector

PRUmyhealth Lifelong Crisis Protector
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales84%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales86%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Easywell Critical Illness Protector

Easywell Critical Illness Protector
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUhealth Critical Illness Care

PRUhealth Critical Illness Care
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales92%88%Not yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUhealth Critical Illness Extended Care

PRUhealth Critical Illness Extended Care
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to sales78%87%89%89%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to sales80%88%89%Not yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUHealth Critical Illness Extended Care II

PRUHealth Critical Illness Extended Care II
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to sales100%89%87%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to sales100%93%97%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUHealth Critical Illness Extended Care III

PRUHealth Critical Illness Extended Care III
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)100%100%99%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)100%100%101%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUHealth Critical Illness First Protect

PRUHealth Critical Illness First Protect
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to sales100%100%95%97%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to sales100%134%134%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUHealth Critical Illness First Protect II

PRUHealth Critical Illness First Protect II
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUhealth Critical Illness Multi-care

PRUhealth Critical Illness Multi-care
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales87%79%77%76%Not yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales83%76%83%Not yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUhealth Critical Illness Multi-care Prestige

PRUhealth Critical Illness Multi-care Prestige
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to sales100%100%80%83%84%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to sales100%100%79%80%77%Not yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUHealth Guardian Critical Illness Plan / PRUHealth Baby Guardian Critical Illness Plan

PRUHealth Guardian Critical Illness Plan / PRUHealth Baby Guardian Critical Illness Plan
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUhealth Critical illness protector

PRUhealth Critical illness protector
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to sales100%99%97%89%81%73%Not yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to sales100%100%99%96%89%Not yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUmyhealth Crisis Lifelong Care

PRUmyhealth Crisis Lifelong Care
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%91%83%79%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales95%90%89%86%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUmyhealth Crisis Multi-care

PRUmyhealth Crisis Multi-care
Product Type : Participating Critical Illness Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales89%82%77%75%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales88%82%81%80%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Prudential Encash Hospital Cash Savings Insurance

Prudential Encash Hospital Cash Savings Insurance
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value and Non-Guaranteed Cash Value of Terminal Bonus (or Special Bonus, if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUmyretirement Monthly Income Plan

PRUmyretirement Monthly Income Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales97%

 

Accumulated Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value (or Non-guaranteed Cash Value, if applicable), accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  3. Total Monthly Income (TMI) / Total Monthly Annuity (TMA) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI / TMA ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI / TMA ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

Double Treasure Plan

Double Treasure Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales89%94%88%84%85%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales88%94%88%85%81%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. Total Cash Value is the sum of the Guaranteed Cash Value, Reversionary Bonus Cash Value, Special Bonus Cash Value, accumulated Guaranteed Monthly Income distributed and non-guaranteed interests earned on accumulated Monthly Income (if applicable).
  3. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  4. The presented TCV ratio is an average result of the ratios of all the relevant inforce policies.
  5. The TCV ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUlife Monthly Income Plan

PRUlife Monthly Income Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales91%91%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Accumulated Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales96%95%Not yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value (or Non-guaranteed Cash Value, if applicable), accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  3. Total Monthly Income (TMI) / Total Monthly Annuity (TMA) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI / TMA ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI / TMA ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUmyretirement RMB Annuity Income Plan

PRUmyretirement RMB Annuity Income Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%100%100%

 

Accumulated Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%100%100%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value (or Non-guaranteed Cash Value, if applicable), accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  3. Total Monthly Income (TMI) / Total Monthly Annuity (TMA) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI / TMA ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI / TMA ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUmyretirement Wealth Income Plan

PRUmyretirement Wealth Income Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales86%84%84%83%

 

Accumulated Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales93%88%87%87%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value (or Non-guaranteed Cash Value, if applicable), accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  3. Total Monthly Income (TMI) / Total Monthly Annuity (TMA) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI / TMA ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI / TMA ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRURetirement Deferred Annuity Plan

PRURetirement Deferred Annuity Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%100%100%100%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

Accumulated Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)N/A(1)N/A(1)N/A(1)N/A(1)100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value (or Non-guaranteed Cash Value, if applicable), accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  3. Total Monthly Income (TMI) / Total Monthly Annuity (TMA) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI / TMA ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI / TMA ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUretirement Early Income Plan

PRUretirement Early Income Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USD100%100%97%95%93%94%96%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Accumulated Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDN/A(1)100%97%95%98%99%100%Not yet launchedNot yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value (or Non-guaranteed Cash Value, if applicable), accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  3. Total Monthly Income (TMI) / Total Monthly Annuity (TMA) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI / TMA ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI / TMA ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.

PRUretirement Enriched Income Plan

PRUretirement Enriched Income Plan
Product Type : Participating Income Plan

Total Cash Value (TCV) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales81%78%77%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales86%84%76%Not yet launchedNot yet launchedNot yet launched

 

Accumulated Total Monthly Income (TMI) / Total Monthly Annuity (TMA) ratio for reporting year 2025
CurrencyPolicy year
(Policy effective in1)
1
(2024)		2
(2023)		3
(2022)		4
(2021)		5
(2020)		6
(2019)		7
(2018)		8
(2017)		9
(2016)		10
(2015)		10+
(Before 2015)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(1)N/A(1)N/A(1)Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(1)N/A(1)N/A(1)Not yet launchedNot yet launchedNot yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The Total Cash Value is the sum of Guaranteed Cash Value, Terminal Bonus Cash Value (or Non-guaranteed Cash Value, if applicable), accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  3. Total Monthly Income (TMI) / Total Monthly Annuity (TMA) is the sum of accumulated Guaranteed and Non-guaranteed Monthly Income / Annuity distributed and non-guaranteed interests earned on accumulated Monthly Income / Annuity (if applicable).
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the total cash value/ accumulated total monthly income/ total monthly annuity illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. The presented TCV / TMI / TMA ratio is an average result of the ratios of all the relevant inforce policies.
  6. The TCV / TMI / TMA ratios may vary by insured age, smoking status, gender, payment term and benefit term etc., and hence may not reflect the circumstances of an individual policy.