Historical Performance for With-Profits Plans/Shareholder-backed Participating Plans

The following tables show the fulfillment ratio for each of our participating products which have new policies issued since 2010 and still have policies inforce in the reporting year. The fulfillment ratio is calculated as the ratio of actual non-guaranteed benefits (may be referred to cash value of bonuses/dividends, dividend and accumulated interest(if any), or accumulated non-guaranteed monthly income/annuity and interest (if any) against the illustrated amounts at the point of sale.

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

Fulfillment ratio

  • Non-guaranteed benefits in early policy years are typically small and immaterial relative to the premiums paid or the guaranteed cash value
  • Fluctuation of fulfillment ratios can be observed if the products go through undesirable experience as a result of difficult market conditions. e.g. persisting low interest rate environment

  • Participating products are designed and structured for medium to long-term investment. In later policy years, policy starts to accumulate with a more meaningful amount of non-guaranteed benefits and the fulfillment ratios give a better indication of how the bonus declaration results contribute to meet the illustrative values at point of sale

  • Track records of PHKL policies with longer history are provided for your reference
  • Track records are presented in form of the actual internal rate of return at policy year 20 for those insurance policies which had been inforce for 20 or more years
  • Applicable to With-Profits plans only

Calculation of Fulfillment Ratios

Fulfillment ratio for annual dividends, non-guaranteed monthly income/annuity

Fulfillment ratio for annual dividends, non-guaranteed monthly income/annuity

It is calculated as the ratio of aggregate actual accumulated non-guaranteed annual dividends, monthly income/annuity (with non-guaranteed interests  , if applicable) against the illustrated amounts for all relevant inforce policies in the reporting year.

Fulfillment ratio for reversionary bonuses

Fulfillment ratio for reversionary bonuses

It is calculated as the ratio of aggregate actual accumulated non-guaranteed reversionary bonuses, against the illustrated amounts at the point of sale for all relevant inforce policies and all relevant policies terminated. For avoidance of doubt, cash value of reversionary bonuses is used in the calculation.

Fulfillment ratio for special bonuses, terminal bonuses and terminal dividends

Fulfillment ratio for special bonuses, terminal bonuses and terminal dividends

It is calculated as the ratio of aggregate payout of special bonuses/terminal bonuses/terminal dividends against the illustrated amounts at the point of sale for all relevant policies actually terminated in the reporting year. Similarly, cash value of special bonuses/terminal bonuses is used in the calculation.

How to Interpret Fulfillment Ratios?

The fulfillment ratios indicate how the non-guaranteed benefits of the policies effective in the respective year compare with the illustrated amount at the point of sale. For example, a fulfillment ratio of 120% means that the non-guaranteed benefits declared is 20% higher than the illustrated amount at the point of sale.

It should be noted that the fulfillment ratio only reflects the bonus declaration result for a certain past period of the policies issued and are intended for reference only. It does not represent any future bonus plan and strategy over a longer period for the whole policy term and should not be taken as an indicator of future bonus declaration results of the participating products.

Fulfillment ratio is an average measure and it may not reflect the circumstances of an individual policy. Policyholders should refer to their own anniversary statement for relevant policy value.

Click here for the illustrative example of fulfillment ratio calculation.

Product Series

Achiever Life Series II

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales16%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales19%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales76%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales44%

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales53%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales41%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales54%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. Achiever Life Series II includes Achiever Life Assurance II, Achiever Life Assurance II (Single Premium).

Achiever Life Series III

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales53%52%50%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales68%68%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 salesN/A(2)46%55%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales48%40%

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales110%105%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales101%90%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales52%71%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)94%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. Achiever Life Series III includes Achiever Life Assurance III, Achiever Life Assurance III (Single Premium).

Best Start Plan

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.

Best Start Plan
Product Type : Participating Whole Life

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales16%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales45%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Better Life Series II

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales16%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales19%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales79%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales45%

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales52%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales42%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales86%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales53%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. Better Life Series II includes Better Life Assurance II, Better Golden Years, Better Head Start, Better Life Plus II.

Better Life Series III

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales96%96%94%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales89%89%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 salesN/A(2)46%55%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales65%71%

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales120%119%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales106%99%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales65%67
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. 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

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales35%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales112%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUWealth 8-year Saver

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.

PRUWealth 8-year Saver
Product Type : Participating Endowment

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 salesN/A(1)N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Delightful Life Assurance

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.

Delightful Life Assurance
Product Type : Participating Whole Life

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales84%83%83%78%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales84%84%83%82%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 salesN/A(2)58%55%70%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)N/A(2)95%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Growth Saver

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales80%84%65%44%49%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales66%68%60%49%53%
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales77%74%74%Not yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 salesN/A(2)35%34%42%51%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)47%47%51%49%
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales120%98%97%Not yet launched

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales130%113%90%86%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales138%122%90%73%
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales86%84%85%Not yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales72%62%70%74%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales64%55%72%53%
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales104%126%141%Not yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Growth Saver Plus

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales31%31%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales35%35%Not yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%100%Not yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales45%42%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales52%51%Not yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales64%79%Not yet launchedNot yet launchedNot yet launched

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales55%55%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales52%52%Not yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales114%114%Not yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) for reporting year 2025
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)
USDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales81%79%Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales78%N/A(2)Not yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Growth Saver Plus II

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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%89%73%73%73%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)100%89%79%79%78%Not yet launchedNot yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to sales100%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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)83%40%21%29%51%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)29%45%39%40%37%Not yet launchedNot yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to sales68%84%79%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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%87%67%66%70%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKD100%100%100%91%69%61%64%Not yet launchedNot yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to sales100%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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(2)N/A(2)81%44%39%72%95%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(2)N/A(2)N/A(2)N/A(2)80%81%83%Not yet launchedNot yet launchedNot yet launchedNot yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to sales99%97%99%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Wealth Advance

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.

Evergreen Wealth Advance
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend (TD) 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)90%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Wealth Income

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.

Evergreen Wealth Income
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend (TD) 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)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Wealth Income Plus

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.

Evergreen Wealth Income Plus
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend (TD) 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

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Wealth Max

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.

Evergreen Wealth Max
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend 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 salesN/A(2)83%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Wealth Max II

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.

Evergreen Wealth Max II
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend (TD) 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)75%86%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Wealth Multi-Currency Plan

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.

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

Fulfillment ratio for Terminal Dividend (TD) 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)109%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)108%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
RMBN/A(1)N/A(1)109%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
GBPN/A(1)N/A(1)107%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
AUDN/A(1)N/A(1)N/A(2)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
CADN/A(1)N/A(1)N/A(1)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Evergreen Wealth 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.

Evergreen Wealth Protector
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend 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)73%92%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Galaxy Lifelong Income Savings Plan

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.

Galaxy Lifelong Income Savings Plan
Product Type : Participating Whole Life

Fulfillment ratio for Cash Dividend (CD) 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 sales72%71%59%

 

Fulfillment ratio for Terminal Dividend (TD) 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 sales23%46%71%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

LiveFree 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.

LiveFree Protector - Regular Pay
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Bonus Cash Value 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)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

LiveFree Protector - Single Pay
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Bonus Cash Value 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(2)N/A(2)N/A(2)N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Prime Eternity

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.

Prime Eternity
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Bonus Cash Value 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)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Prime Vantage 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.

Prime Vantage Protector
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Bonus Cash Value 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Prime Vantage Prestige Protector Insurance Plan

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.

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

Fulfillment ratio for Special Bonus 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUcash

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.

PRUcash
Product Type : Participating Endowment

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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%93%93%94%94%95%102%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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)111%105%90%87%92%117%128%130%119%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Prudential Entrust Multi-Currency Plan

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.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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

 

Fulfillment ratio for Terminal Bonus Cash Value 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. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUlife Best Start

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 Best Start
Product Type : Participating Whole Life

Fulfillment ratio for Cash Dividend (CD) 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 sales83%80%81%77%

 

Fulfillment ratio for Terminal Dividend (TD) 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 salesN/A(2)50%N/A(2)29%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUlife Coupon Saver

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 Coupon Saver
Product Type : Participating Saving Plan

Fulfillment ratio for Terminal Dividend 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)149%107%26%13%14%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRULife HeadStart Dream Saver

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 HeadStart Dream Saver
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend 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(2)105%N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRULife HeadStart Education Saver

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 HeadStart Education Saver
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend 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(2)103%92%94%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUlife Plus

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 Plus
Product Type : Participating Whole Life

Fulfillment ratio for Cash Dividend (CD) 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 sales91%91%91%86%

 

Fulfillment ratio for Terminal Dividend (TD) 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 salesN/A(2)98%55%107%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUlife Premier

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 Premier
Product Type : Participating Whole Life

Fulfillment ratio for Cash Dividend (CD) 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 sales81%80%82%81%

 

Fulfillment ratio for Terminal Dividend (TD) 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 salesN/A(2)N/A(2)N/A(2)1791%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUlife Prestige Wealth Planner

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 Prestige Wealth Planner
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Bonus Cash Value 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 salesN/A(1)N/A(1)N/A(1)N/A(1)N/A(1)N/A(1)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales103%103%99%96%96%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales106%110%117%116%116%Not yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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%73%79%69%61%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)74%77%71%65%Not yet launched

 

PRUlife Protector - Single Pay
Product Type : Participating Whole Life

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales117%118%115%114%113%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales102%102%102%102%Not yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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(2)95%91%76%83%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)N/A(2)82%Not yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRULife Protector II

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 II - Regular Pay
Product Type : Participating Whole Life

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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%83%60%60%60%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)100%100%100%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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)108%95%82%81%85%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)87%97%95%86%N/A(2)Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales65%67%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to sales76%80%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 salesN/A(2)N/A(2)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUlife Saver / PRUlife Juvenile Saver

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) for reporting year 2025
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)
USDClosed to salesClosed to salesClosed to salesClosed to sales73%73%73%46%401%40%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to sales90%90%90%80%76%76%Not yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%100%100%94%94%Not yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 salesN/A(2)40%44%40%43%47%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)112%46%32%32%48%Not yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)N/A(2)36%N/A(2)Not yet launched

 

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

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales106%105%88%73%64%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales75%81%77%74%76%Not yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales105%108%109%108%108%Not yet launched

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales62%83%82%72%74%Not yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)73%52%50%Not yet launched
RMBClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)62%62%N/A(2)69%Not yet launched

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Yearly Income Plan

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.

Yearly Income Plan
Product Type : Participating Whole Life

Fulfillment ratio for Terminal Dividend (TD) 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 sales71%69%75%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Prudential Enlight Savings Insurance/ Prudential Baby Enlight Savings Insurance

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.

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

Fulfillment ratio for Terminal Bonus Cash Value 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Prime Ace Insurance Plan

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.

Prime Ace Insurance Plan 
Product Type : Participating Whole Life

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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

 

Fulfilment ratio for Special Bonus Cash Value  (SBCV) 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

LiveFree Protector Insurance Plan II

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.

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

Fulfillment ratio for Terminal Bonus Cash Value 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

Fulfillment ratio for Terminal Bonus Cash Value 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUflexilife

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.

PRUflexilife
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Cash Dividend (CD) 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 sales89%

 

Fulfillment ratio for Terminal Dividend (TD) 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 salesN/A(1)

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUcrisis Cover Lifelong 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.

PRUcrisis Cover Lifelong Protector
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 sales30%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales28%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUmyhealth Lifelong Crisis 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.

PRUmyhealth Lifelong Crisis Protector
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 sales47%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales28%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Easywell Critical Illness 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.

Easywell Critical Illness Protector
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Terminal Bonus Cash Value 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)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUcrisis Cover Smartchoice

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.

PRUcrisis Cover Smartchoice
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Non-guaranteed Maturity Benefit 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 salesN/A(1)N/A(1)N/A(1)82%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(1)N/A(1)N/A(1)85%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUcrisis Cover Smartchoice Extra

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.

PRUcrisis Cover Smartchoice Extra
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Non-guaranteed Death Benefit / Major Diseases Benefit / Maturity Benefit 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 salesN/A(1)N/A(1)N/A(1)N/A(1)
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(1)N/A(1)N/A(1)N/A(1)

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUhealth Critical Illness Care

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.

PRUhealth Critical Illness Care
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 sales45%27%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUhealth Critical Illness Extended Care

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.

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

Fulfillment ratio for Special Bonus Cash Value 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 sales40%57%76%N/A(2)Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to sales52%55%70%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUHealth Critical Illness Extended Care II

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.

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

Fulfillment ratio for Special Bonus Cash Value 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 salesN/A(1)65%97%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesN/A(1)96%201%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUHealth Critical Illness Extended Care III

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.

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

Fulfillment ratio for Special Bonus Cash Value 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)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)N/A(1)N/A(1)N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUHealth Critical Illness First Protect

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.

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

Fulfillment ratio for Terminal Bonus Cash Value 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 salesN/A(1)N/A(1)87%97%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesN/A(1)211%201%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUHealth Critical Illness First Protect II

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.

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

Fulfillment ratio for Terminal Bonus Cash Value 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)Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched
HKDN/A(1)N/A(1)N/A(1)N/A(1)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUhealth Critical Illness Multi-care

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.

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

Fulfillment ratio for Special Bonus Cash Value 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(2)54%57%N/A(2)Not yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales60%50%N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUhealth Critical Illness Multi-care Prestige

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.

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

Fulfillment ratio for Special Bonus Cash Value 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 salesN/A(1)N/A(1)57%67%73%Not yet launchedNot yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesN/A(1)N/A(1)N/A(2)78%72%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

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

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.

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

Fulfillment ratio for Special Bonus Cash Value 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUhealth Critical illness 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.

PRUhealth Critical illness protector
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 salesN/A(1)40%43%29%27%N/A(2)Not yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesN/A(1)52%66%42%38%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUhealth Critical illness Smartchoice

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.

PRUhealth Critical illness Smartchoice
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Non-guaranteed Maturity Benefit 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)N/A(1)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUmyhealth Crisis Lifelong Care

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.

PRUmyhealth Crisis Lifelong Care
Product Type : Participating Critical Illness Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 sales107%66%39%41%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales19%25%32%39%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUmyhealth Crisis Multi-care

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.

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

Fulfillment ratio for Special Bonus Cash Value 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 sales74%66%59%53%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)65%68%62%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Prudential Encash Hospital Cash Savings Insurance

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.

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

Fulfillment ratio for Terminal Bonus Cash Value 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUmyretirement Monthly Income Plan

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.

PRUmyretirement Monthly Income Plan
Product Type : Participating Income Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 sales69%

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

Double Treasure Plan

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.

Double Treasure Plan
Product Type : Participating Income Plan

Fulfillment ratio for Reversionary Bonus Cash Value (RBCV) 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 sales100%73%45%41%49%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to sales100%100%90%66%34%

 

Fulfillment ratio for Special Bonus Cash Value (SBCV) 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 sales8%11%5%5%42%
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)12%N/A(2)38%36%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUlife Monthly Income Plan

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 Monthly Income Plan
Product Type : Participating Income Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 sales51%53%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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 sales74%74%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUmyretirement RMB Annuity Income Plan

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.

PRUmyretirement RMB Annuity Income Plan
Product Type : Participating Income Plan

Fulfillment ratio for Non-Guaranteed Cash Value (NGCV) 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 salesN/A(2)100%100%

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUmyretirement Wealth Income Plan

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.

PRUmyretirement Wealth Income Plan
Product Type : Participating Income Plan

Fulfillment ratio for Terminal Bonus Cash Value 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 sales36%33%30%26%

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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 sales56%45%45%47%

Notes

  1. Policy effective in respective year refers to policies commencing from January to December of the year.
  2. The fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.
  5. For Fulfillment ratio of Non-guaranteed Retirement Bonus Cash Value, please refer to Fulfillment ratio of Terminal Bonus Cash Value.

PRURetirement Deferred Annuity Plan

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.

PRURetirement Deferred Annuity Plan
Product Type : Participating Income Plan

Fulfillment ratio for Terminal Bonus Cash Value 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%100%100%Not yet launchedNot yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Annuity (NGMA) 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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUretirement Early Income Plan

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.

PRUretirement Early Income Plan
Product Type : Participating Income Plan

Fulfillment ratio for Terminal Bonus Cash Value 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(2)N/A(2)N/A(2)N/A(2)N/A(2)N/A(2)70%Not yet launchedNot yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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%73%51%81%91%98%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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.

PRUretirement Enriched Income Plan

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.

PRUretirement Enriched Income Plan
Product Type : Participating Income Plan

Fulfillment ratio for Terminal Bonus Cash Value 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(2)N/A(2)N/A(2)Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)N/A(2)Not yet launchedNot yet launchedNot yet launched

 

Fulfillment ratio for Accumulated Non-guaranteed Monthly Income (NGMI) 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(2)N/A(2)N/A(2)Not yet launchedNot yet launchedNot yet launched
HKDClosed to salesClosed to salesClosed to salesClosed to salesClosed to salesN/A(2)N/A(2)N/A(2)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 fulfillment ratios are the average ratios calculated for all relevant policies under the respective plan groups, which may not reflect the circumstances of an individual policy.
  3. For detailed calculation of fulfillment ratio, please refer to the section "Calculation of fulfillment ratios".
  4. Some of the above ratios are shown as “N/A” because in the respective year:
    • N/A(1): the bonus illustrated at the point of sale was zero; or
    • N/A(2): no relevant policies in the reporting year.