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 in the previous 5 calendar years prior to the reporting year 2023. 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.

Product Series

Evergreen Wealth Multi-Currency Plan

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

Total Cash Value (TCV) ratio for reporting year 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
HKDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
AUDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
CADN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
GBPN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

 

LiveFree Protector - Single Pay
Product Type : Participating Whole Life

Total Cash Value (TCV) ratio for reporting year 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
HKDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
RMBN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
GBPN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
AUDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
CADN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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:
    • the products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero; or
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
HKDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
HKDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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 2024
CurrencyPolicy year
(Policy effective in1)
1
(2023)		2
(2022)		3
(2021)		4
(2020)		5
(2019)		6
(2018)		7
(2017)		8
(2016)		9
(2015)		10
(2014)		10+
(Before 2014)
USDN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A

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 TCV ratios are shown as “N/A” because in the respective year:
    • the relevant products were closed to sale; or
    • the products were not yet launched; or
    • the bonus illustrated at the point of sale was zero.
  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.