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  • Participating Products

    • Fulfillment Ratios for Participating Products
    • Dividend & Bonus Philosophy

    The following table shows the fulfillment ratios for each of the participating product series. The calculation includes new policies issued by the Company since 2010. The fulfillment ratios are intended as a reference to assist prospective customers in making purchase decision. Please be alerted that the historical dividends / bonuses are not an indicator of future dividends / bonuses declaration of the participating products.

    Calculation of Fulfillment Ratio

    Fulfillment ratio for annual dividends

    The fulfillment ratio for annual dividends is calculated as the ratio of aggregate actual accumulated annual dividends, and actual interests accumulated on dividend and guaranteed cash payment against the illustrated amounts at the point of sale for all relevant inforce policies in the reporting year. It is assumed that all premiums are paid in full when due, no cash withdrawal or policy loans are taken throughout the term of the policy and policyholders opt to leave all declared dividends, guaranteed cash payments and monthly incomes with the Company for interest accumulation based on the relevant actual interest rates.

    Fulfillment ratio for reversionary bonuses

    The fulfillment ratio for reversionary bonuses is calculated as the ratio of aggregate actual total reversionary bonuses against the illustrated amounts at the point of sale for all relevant inforce policies in the reporting year. It is assumed that all premiums are paid in full when due, no cash withdrawal or policy loans are taken throughout the term of the policy and policyholders opted to leave all declared reversionary bonuses to accrue in the policy. For the avoidance of doubt, cash value of reversionary bonuses is factored in the calculation. The face value of reversionary bonus is guaranteed once declared while the cash value of reversionary bonus is not guaranteed.

    Fulfillment ratio for terminal dividends / terminal bonuses

    The fulfillment ratio for terminal dividends / terminal bonuses is calculated as the ratio of aggregate payout of terminal dividends/ terminal bonuses against the illustrated amounts at the point of sale for all relevant policies which were actually terminated in the reporting year. It is assumed that all premiums are paid in full when due, no cash withdrawal or policy loans are taken throughout the term of the policy. Similarly, cash value of terminal bonuses is factored in the calculation. Terminal dividends / terminal bonuses can change from year to year or more frequently and the cash value of terminal bonuses is not guaranteed.

    Introduction to Fulfillment Ratio

    Introduction to Fulfillment Ratio

    Please select the Product Series

    Please select the Product Series

    Fulfillment ratios for annual dividends for reporting year 2019

    Product
    Product Series Admire Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) 100%(6)
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 95%(6)
    Policy year 6 (2013) 93%
    Policy year 7 (2012) 92%
    Policy year 8 (2011) 91%
    Policy year 9 (2010) Not yet launched
    Product Series Admire Life (Simple Version)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%(6)
    Policy year 3 (2016) 100%(6)
    Policy year 4 (2015) 100%(6)
    Policy year 5 (2014) 95%(6)
    Policy year 6 (2013) 93%
    Policy year 7 (2012) 92%
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Admire Life 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Adore Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%(6)
    Policy year 3 (2016) 100%(6)
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 96%(6)
    Policy year 6 (2013) 94%
    Policy year 7 (2012) 92%
    Policy year 8 (2011) 91%
    Policy year 9 (2010) 91%(6)
    Product Series Excel 20 Pay Life AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 98%
    Product Series Excel Golden Age Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 98%
    Product Series Excel Graded Premium Whole Life AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 100%
    Policy year 8 (2011) 99%
    Policy year 9 (2010) 99%
    Product Series Excel Kid's Choice AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 96%
    Policy year 8 (2011) 94%
    Policy year 9 (2010) 93%
    Product Series Excel Protection Plus AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 98%
    Product Series Executive Care
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 97%(6)
    Policy year 6 (2013) 95%(6)
    Policy year 7 (2012) 94%(6)
    Policy year 8 (2011) 82%
    Policy year 9 (2010) 81%
    Product Series Executive Care Pro
    Product Type Whole Life
    Currency USD
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) 100%(6)
    Policy year 5 (2014) 97%(6)
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 93%
    Policy year 8 (2011) 86%
    Policy year 9 (2010) 88%(6)
    Product Series Executive Care Pro
    Product Type Whole Life
    Currency HKD / MOP
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) 100%(6)
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 97%(6)
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 93%
    Policy year 8 (2011) 91%(6)
    Policy year 9 (2010) Not yet launched
    Product Series Executive Care Pro 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%(6)
    Policy year 8 (2011) 98%(6)
    Policy year 9 (2010) Not yet launched
    Product Series Executive Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 88%
    Policy year 8 (2011) 81%
    Policy year 9 (2010) 81%
    Product Series Forever Love Coupon Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) 100%(6)
    Policy year 5 (2014) 96%(6)
    Policy year 6 (2013) 95%(6)
    Policy year 7 (2012) 92%(6)
    Policy year 8 (2011) 90%
    Policy year 9 (2010) 89%
    Product Series Forever Love Coupon Plan (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) 95%(6)
    Policy year 7 (2012) Closed to sales
    Policy year 8 (2011) 90%
    Policy year 9 (2010) 89%
    Product Series Forever Love Coupon Plan 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%(6)
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) 100%(6)
    Policy year 4 (2015) 100%(6)
    Policy year 5 (2014) 96%(6)
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 92%
    Policy year 8 (2011) 90%
    Policy year 9 (2010) 90%(6)
    Product Series Forever Love Coupon Plan 2 (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%(6)
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) 100%(6)
    Policy year 5 (2014) 96%(6)
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 92%
    Policy year 8 (2011) 90%
    Policy year 9 (2010) 90%(6)
    Product Series Forever Love Coupon Plan 3
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Forever Love Coupon Plan 3 (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Forever Love Coupon Plan 5
    Product Type Whole Life
    Currency All
    Policy year Product has not yet reached the first policy anniversary and thus no value is shown.
    Product Series Fortune Promise
    Product Type Whole Life
    Currency All
    Policy year Product has not yet reached the first policy anniversary and thus no value is shown.
    Product Series Gemstar RMB Plan
    Product Type Endowment
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 100%
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Golden Years Income Plan
    Product Type Income Plan
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 92%
    Policy year 9 (2010) 85%
    Product Series Guaranteed Issue Whole Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 91%
    Policy year 8 (2011) 87%
    Policy year 9 (2010) 86%
    Product Series Kiss Kids Education Plan
    Product Type Endowment
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Lady's Choice AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) Closed to sales
    Policy year 7 (2012) Closed to sales
    Policy year 8 (2011) 90%
    Policy year 9 (2010) 90%
    Product Series Love Encore
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 100%(6)
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 98%
    Policy year 8 (2011) 97%(6)
    Policy year 9 (2010) Not yet launched
    Product Series Multiple Care Pro
    Product Type Whole Life
    Currency USD
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 97%(6)
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 93%
    Policy year 8 (2011) 86%
    Policy year 9 (2010) 88%(6)
    Product Series Multiple Care Pro
    Product Type Whole Life
    Currency HKD / MOP
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 97%(6)
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 93%
    Policy year 8 (2011) 91%(6)
    Policy year 9 (2010) Not yet launched
    Product Series Multiple Care Pro 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%(6)
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Prime Care Pro
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%(6)
    Policy year 2 (2017) 100%(6)
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%(6)
    Policy year 9 (2010) 98%(6)
    Product Series Prime Care Pro 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%(6)
    Policy year 5 (2014) Not yet launched
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Proactive Insurance Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Proactive Insurance Plan 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) 100%
    Policy year 4 (2015) Not yet launched
    Policy year 5 (2014) Not yet launched
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series PromiseMe Coupon Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%(6)
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 96%(6)
    Policy year 6 (2013) 93%(6)
    Policy year 7 (2012) 91%
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series PromiseMe Coupon Plan (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) 93%(6)
    Policy year 7 (2012) 91%
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Protect Elite Ultra
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) Not yet launched
    Policy year 3 (2016) 100%(6)
    Policy year 4 (2015) Not yet launched
    Policy year 5 (2014) Not yet launched
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Quick Saver Whole Life
    Product Type Whole Life
    Currency USD
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 98%
    Product Series Quick Saver Whole Life
    Product Type Whole Life
    Currency HKD / MOP
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 95%
    Policy year 7 (2012) 88%
    Policy year 8 (2011) 86%
    Policy year 9 (2010) 85%
    Product Series RMB Spring Income Plan
    Product Type Income Plan
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Simply Love Encore
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 100%(6)
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Simply Love Encore 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Simply Love Encore 3
    Product Type Whole Life
    Currency All
    Policy year Product has not yet reached the first policy anniversary and thus no value is shown.
    Product Series Single Premium Whole Life AP - Par
    Product Type Whole Life
    Currency USD
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 97%
    Product Series Single Premium Whole Life AP - Par
    Product Type Whole Life
    Currency HKD / MOP
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) 80%
    Policy year 3 (2016) 80%
    Policy year 4 (2015) 80%
    Policy year 5 (2014) 80%
    Policy year 6 (2013) 80%
    Policy year 7 (2012) 79%
    Policy year 8 (2011) 78%
    Policy year 9 (2010) 78%
    Product Series Smart Care Pro
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%(6)
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Smart Elite Ultra
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%(6)
    Policy year 4 (2015) Not yet launched
    Policy year 5 (2014) Not yet launched
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Special Target Saver Plus
    Product Type Endowment
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 98%
    Product Series Spring Income Plan
    Product Type Income Plan
    Currency All
    Policy year 1 (2018) 100%
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 96%(6)
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Superior Protector
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) 100%(6)
    Policy year 5 (2014) 93%(6)
    Policy year 6 (2013) Closed to sales
    Policy year 7 (2012) 87%(6)
    Policy year 8 (2011) 88%
    Policy year 9 (2010) 87%
    Product Series Talent Builder
    Product Type Endowment
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 98%
    Product Series Target Saver Plus
    Product Type Endowment
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) 100%
    Policy year 3 (2016) 100%
    Policy year 4 (2015) 100%
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 99%
    Policy year 8 (2011) 98%
    Policy year 9 (2010) 98%
    Product Series Tri-Star Plus AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) 102%
    Policy year 7 (2012) 95%
    Policy year 8 (2011) 90%
    Policy year 9 (2010) 90%
    Product Series Product Type Currency Policy year
    Admire Life Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    100%(6)
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    95%(6)
    Policy Year 6(2013)
    93%
    Policy Year 7(2012)
    92%
    Policy Year 8(2011)
    91%
    Policy Year 9(2010)
    Not yet launched
    Admire Life (Simple Version) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%(6)
    Policy Year 3(2016)
    100%(6)
    Policy Year 4(2015)
    100%(6)
    Policy Year 5(2014)
    95%(6)
    Policy Year 6(2013)
    93%
    Policy Year 7(2012)
    92%
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Admire Life 2 Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Adore Life Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%(6)
    Policy Year 3(2016)
    100%(6)
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    96%(6)
    Policy Year 6(2013)
    94%
    Policy Year 7(2012)
    92%
    Policy Year 8(2011)
    91%
    Policy Year 9(2010)
    91%(6)
    Excel 20 Pay Life AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    98%
    Excel Golden Age Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    98%
    Excel Graded Premium Whole Life AP Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    100%
    Policy Year 8(2011)
    99%
    Policy Year 9(2010)
    99%
    Excel Kid's Choice AP Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    96%
    Policy Year 8(2011)
    94%
    Policy Year 9(2010)
    93%
    Excel Protection Plus AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    98%
    Executive Care Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    97%(6)
    Policy Year 6(2013)
    95%(6)
    Policy Year 7(2012)
    94%(6)
    Policy Year 8(2011)
    82%
    Policy Year 9(2010)
    81%
    Executive Care Pro Whole Life USD Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    100%(6)
    Policy Year 5(2014)
    97%(6)
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    93%
    Policy Year 8(2011)
    86%
    Policy Year 9(2010)
    88%(6)
    Executive Care Pro Whole Life HKD / MOP Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    100%(6)
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    97%(6)
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    93%
    Policy Year 8(2011)
    91%(6)
    Policy Year 9(2010)
    Not yet launched
    Executive Care Pro 2 Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%(6)
    Policy Year 8(2011)
    98%(6)
    Policy Year 9(2010)
    Not yet launched
    Executive Life Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    88%
    Policy Year 8(2011)
    81%
    Policy Year 9(2010)
    81%
    Forever Love Coupon Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    100%(6)
    Policy Year 5(2014)
    96%(6)
    Policy Year 6(2013)
    95%(6)
    Policy Year 7(2012)
    92%(6)
    Policy Year 8(2011)
    90%
    Policy Year 9(2010)
    89%
    Forever Love Coupon Plan (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    95%(6)
    Policy Year 7(2012)
    Closed to sales
    Policy Year 8(2011)
    90%
    Policy Year 9(2010)
    89%
    Forever Love Coupon Plan 2 Whole Life All Policy Year 1(2018)
    100%(6)
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    100%(6)
    Policy Year 4(2015)
    100%(6)
    Policy Year 5(2014)
    96%(6)
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    92%
    Policy Year 8(2011)
    90%
    Policy Year 9(2010)
    90%(6)
    Forever Love Coupon Plan 2 (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%(6)
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    100%(6)
    Policy Year 5(2014)
    96%(6)
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    92%
    Policy Year 8(2011)
    90%
    Policy Year 9(2010)
    90%(6)
    Forever Love Coupon Plan 3 Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Forever Love Coupon Plan 3 (Enhanced Protection) Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Forever Love Coupon Plan 5 Whole Life All Product has not yet reached the first policy anniversary and thus no value is shown.
    Fortune Promise Whole Life All Product has not yet reached the first policy anniversary and thus no value is shown.
    Gemstar RMB Plan Endowment All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    100%
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Golden Years Income Plan Income Plan All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    92%
    Policy Year 9(2010)
    85%
    Guaranteed Issue Whole Life Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    91%
    Policy Year 8(2011)
    87%
    Policy Year 9(2010)
    86%
    Kiss Kids Education Plan Endowment All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Lady's Choice AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    Closed to sales
    Policy Year 7(2012)
    Closed to sales
    Policy Year 8(2011)
    90%
    Policy Year 9(2010)
    90%
    Love Encore Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    100%(6)
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    98%
    Policy Year 8(2011)
    97%(6)
    Policy Year 9(2010)
    Not yet launched
    Multiple Care Pro Whole Life USD Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    97%(6)
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    93%
    Policy Year 8(2011)
    86%
    Policy Year 9(2010)
    88%(6)
    Multiple Care Pro Whole Life HKD / MOP Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    97%(6)
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    93%
    Policy Year 8(2011)
    91%(6)
    Policy Year 9(2010)
    Not yet launched
    Multiple Care Pro 2 Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%(6)
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Prime Care Pro Whole Life All Policy Year 1(2018)
    100%(6)
    Policy Year 2(2017)
    100%(6)
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%(6)
    Policy Year 9(2010)
    98%(6)
    Prime Care Pro 2 Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%(6)
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Proactive Insurance Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Proactive Insurance Plan 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    PromiseMe Coupon Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%(6)
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    96%(6)
    Policy Year 6(2013)
    93%(6)
    Policy Year 7(2012)
    91%
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    PromiseMe Coupon Plan (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    93%(6)
    Policy Year 7(2012)
    91%
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Protect Elite Ultra Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    Not yet launched
    Policy Year 3(2016)
    100%(6)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Quick Saver Whole Life Whole Life USD Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    98%
    Quick Saver Whole Life Whole Life HKD / MOP Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    95%
    Policy Year 7(2012)
    88%
    Policy Year 8(2011)
    86%
    Policy Year 9(2010)
    85%
    RMB Spring Income Plan Income Plan All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Simply Love Encore Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    100%(6)
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Simply Love Encore 2 Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Simply Love Encore 3 Whole Life All Product has not yet reached the first policy anniversary and thus no value is shown.
    Single Premium Whole Life AP - Par Whole Life USD Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    97%
    Single Premium Whole Life AP - Par Whole Life HKD / MOP Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    80%
    Policy Year 3(2016)
    80%
    Policy Year 4(2015)
    80%
    Policy Year 5(2014)
    80%
    Policy Year 6(2013)
    80%
    Policy Year 7(2012)
    79%
    Policy Year 8(2011)
    78%
    Policy Year 9(2010)
    78%
    Smart Care Pro Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%(6)
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Smart Elite Ultra Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%(6)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Special Target Saver Plus Endowment All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    98%
    Spring Income Plan Income Plan All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    96%(6)
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Superior Protector Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    100%(6)
    Policy Year 5(2014)
    93%(6)
    Policy Year 6(2013)
    Closed to sales
    Policy Year 7(2012)
    87%(6)
    Policy Year 8(2011)
    88%
    Policy Year 9(2010)
    87%
    Talent Builder Endowment All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    98%
    Target Saver Plus Endowment All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    99%
    Policy Year 8(2011)
    98%
    Policy Year 9(2010)
    98%
    Tri-Star Plus AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    102%
    Policy Year 7(2012)
    95%
    Policy Year 8(2011)
    90%
    Policy Year 9(2010)
    90%

    Fulfillment ratios for terminal dividends for reporting year 2019

    Product
    Product Series Admire Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) Not yet launched
    Product Series Admire Life (Simple Version)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Admire Life 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) 100%
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Adore Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series AIA Deferred Annuity Plan
    Product Type Income Plan
    Currency All
    Policy year 1 (2018) Not yet launched
    Policy year 2 (2017) Not yet launched
    Policy year 3 (2016) Not yet launched
    Policy year 4 (2015) Not yet launched
    Policy year 5 (2014) Not yet launched
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Excel 20 Pay Life AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Excel Golden Age Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Excel Graded Premium Whole Life AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Excel Kid's Choice AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Excel Protection Plus AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Executive Care
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Executive Care Pro
    Product Type Whole Life
    Currency USD
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Executive Care Pro
    Product Type Whole Life
    Currency HKD / MOP
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) Not yet launched
    Product Series Executive Care Pro 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) Not yet launched
    Product Series Executive Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Forever Love Coupon Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Forever Love Coupon Plan (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) Closed to sales
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Forever Love Coupon Plan 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Forever Love Coupon Plan 2 (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Forever Love Coupon Plan 3
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Forever Love Coupon Plan 3 (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Forever Love Coupon Plan 5
    Product Type Whole Life
    Currency All
    Policy year Product has not yet reached the first policy anniversary and thus no value is shown.
    Product Series Fortune Promise
    Product Type Whole Life
    Currency All
    Policy year Product has not yet reached the first policy anniversary and thus no value is shown.
    Product Series Gemstar RMB Plan
    Product Type Endowment
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 100%
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Guaranteed Issue Whole Life
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Kiss Kids Education Plan
    Product Type Endowment
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Lady's Choice AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) Closed to sales
    Policy year 7 (2012) Closed to sales
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Love Encore
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 100%(6)
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 100%
    Policy year 8 (2011) 100%(6)
    Policy year 9 (2010) Not yet launched
    Product Series Multiple Care Pro
    Product Type Whole Life
    Currency USD
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Multiple Care Pro
    Product Type Whole Life
    Currency HKD / MOP
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) Not yet launched
    Product Series Multiple Care Pro 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Prime Care Pro
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Prime Care Pro 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) Not yet launched
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Proactive Insurance Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) 109%
    Policy year 4 (2015) 106%
    Policy year 5 (2014) 104%
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Proactive Insurance Plan 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) Not yet launched
    Policy year 5 (2014) Not yet launched
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series PromiseMe Coupon Plan
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series PromiseMe Coupon Plan (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Quick Saver Whole Life
    Product Type Whole Life
    Currency USD
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Quick Saver Whole Life
    Product Type Whole Life
    Currency HKD / MOP
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series RMB Spring Income Plan
    Product Type Income Plan
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) 100%
    Policy year 6 (2013) Not yet launched
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Simply Love Encore
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) 100%(6)
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 100%
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Simply Love Encore 2
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Simply Love Encore 3
    Product Type Whole Life
    Currency All
    Policy year Product has not yet reached the first policy anniversary and thus no value is shown.
    Product Series Smart Care Pro
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) Not yet launched
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Special Target Saver Plus
    Product Type Endowment
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) 100%
    Policy year 9 (2010) N.A.(5)
    Product Series Spring Income Plan
    Product Type Income Plan
    Currency All
    Policy year 1 (2018) N.A.(5)
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) 100%
    Policy year 6 (2013) 100%
    Policy year 7 (2012) 100%(6)
    Policy year 8 (2011) Not yet launched
    Policy year 9 (2010) Not yet launched
    Product Series Superior Protector
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) Closed to sales
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Talent Builder
    Product Type Endowment
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) 130%
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Target Saver Plus
    Product Type Endowment
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) N.A.(5)
    Policy year 3 (2016) N.A.(5)
    Policy year 4 (2015) N.A.(5)
    Policy year 5 (2014) N.A.(5)
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) 100%
    Policy year 9 (2010) N.A.(5)
    Product Series Tri-Star Plus AP
    Product Type Whole Life
    Currency All
    Policy year 1 (2018) Closed to sales
    Policy year 2 (2017) Closed to sales
    Policy year 3 (2016) Closed to sales
    Policy year 4 (2015) Closed to sales
    Policy year 5 (2014) Closed to sales
    Policy year 6 (2013) N.A.(5)
    Policy year 7 (2012) N.A.(5)
    Policy year 8 (2011) N.A.(5)
    Policy year 9 (2010) N.A.(5)
    Product Series Product Type Currency Policy year
    Admire Life Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    Not yet launched
    Admire Life (Simple Version) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Admire Life 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Adore Life Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    AIA Deferred Annuity Plan Income Plan All Policy Year 1(2018)
    Not yet launched
    Policy Year 2(2017)
    Not yet launched
    Policy Year 3(2016)
    Not yet launched
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Excel 20 Pay Life AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Excel Golden Age Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Excel Graded Premium Whole Life AP Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Excel Kid's Choice AP Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Excel Protection Plus AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Executive Care Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Executive Care Pro Whole Life USD Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Executive Care Pro Whole Life HKD / MOP Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    Not yet launched
    Executive Care Pro 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    Not yet launched
    Executive Life Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Forever Love Coupon Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Forever Love Coupon Plan (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    Closed to sales
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Forever Love Coupon Plan 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Forever Love Coupon Plan 2 (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Forever Love Coupon Plan 3 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Forever Love Coupon Plan 3 (Enhanced Protection) Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Forever Love Coupon Plan 5 Whole Life All Product has not yet reached the first policy anniversary and thus no value is shown.
    Fortune Promise Whole Life All Product has not yet reached the first policy anniversary and thus no value is shown.
    Gemstar RMB Plan Endowment All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    100%
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Guaranteed Issue Whole Life Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Kiss Kids Education Plan Endowment All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Lady's Choice AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    Closed to sales
    Policy Year 7(2012)
    Closed to sales
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Love Encore Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    100%(6)
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    100%
    Policy Year 8(2011)
    100%(6)
    Policy Year 9(2010)
    Not yet launched
    Multiple Care Pro Whole Life USD Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Multiple Care Pro Whole Life HKD / MOP Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    Not yet launched
    Multiple Care Pro 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Prime Care Pro Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Prime Care Pro 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Proactive Insurance Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    109%
    Policy Year 4(2015)
    106%
    Policy Year 5(2014)
    104%
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Proactive Insurance Plan 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    PromiseMe Coupon Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    PromiseMe Coupon Plan (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Quick Saver Whole Life Whole Life USD Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Quick Saver Whole Life Whole Life HKD / MOP Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    RMB Spring Income Plan Income Plan All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Simply Love Encore Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    100%(6)
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    100%
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Simply Love Encore 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Simply Love Encore 3 Whole Life All Product has not yet reached the first policy anniversary and thus no value is shown.
    Smart Care Pro Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Special Target Saver Plus Endowment All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    100%
    Policy Year 9(2010)
    N.A.(5)
    Spring Income Plan Income Plan All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    100%
    Policy Year 6(2013)
    100%
    Policy Year 7(2012)
    100%(6)
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Superior Protector Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    Closed to sales
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Talent Builder Endowment All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    130%
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)
    Target Saver Plus Endowment All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    N.A.(5)
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    100%
    Policy Year 9(2010)
    N.A.(5)
    Tri-Star Plus AP Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    Closed to sales
    Policy Year 3(2016)
    Closed to sales
    Policy Year 4(2015)
    Closed to sales
    Policy Year 5(2014)
    Closed to sales
    Policy Year 6(2013)
    N.A.(5)
    Policy Year 7(2012)
    N.A.(5)
    Policy Year 8(2011)
    N.A.(5)
    Policy Year 9(2010)
    N.A.(5)

    Fulfillment ratios for reversionary bonuses for reporting year 2019

    Product
    Product Series Bonus Power Plan
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) Closed to sales
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) 100%
    Policy Year 4 (2015) 100%
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) Closed to sales
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) 100%
    Policy Year 4 (2015) 100%
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan 2 (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) 100%
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan 2
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) 100%
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan 3
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) Not yet launched
    Policy Year 3 (2016) Not yet launched
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Wealth Elite
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) 100%
    Policy Year 2 (2017) 100%
    Policy Year 3 (2016) 100%
    Policy Year 4 (2015) N.A.(5)
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Product Type Currency Policy year
    Bonus Power Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    100%
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan 2 (Enhanced Protection) Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan 3 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    Not yet launched
    Policy Year 3(2016)
    Not yet launched
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Wealth Elite Whole Life All Policy Year 1(2018)
    100%
    Policy Year 2(2017)
    100%
    Policy Year 3(2016)
    100%
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched

    Fulfillment ratios for terminal bonuses for reporting year 2019

    Product
    Product Series Bonus Power Plan
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) Closed to sales
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) 106%
    Policy Year 4 (2015) 107%
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) Closed to sales
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) 105%
    Policy Year 4 (2015) 103%
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan 2 (Enhanced Protection)
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) N.A.(5)
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan 2
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) N.A.(5)
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Bonus Power Plan 3
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) Not yet launched
    Policy Year 3 (2016) Not yet launched
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Protect Elevator
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) N.A.(5)
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Protect Elevator Plus
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) N.A.(5)
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Protect Elite Ultra
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) Not yet launched
    Policy Year 3 (2016) N.A.(5)
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Protect Elite Ultra 2 / Protect Elite Ultra 2 – First Gift
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) Not yet launched
    Policy Year 2 (2017) Not yet launched
    Policy Year 3 (2016) Not yet launched
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Smart Elite Ultra
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) N.A.(5)
    Policy Year 4 (2015) Not yet launched
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Wealth Elite
    Product Type Whole Life
    Currency All
    Policy Year 1 (2018) N.A.(5)
    Policy Year 2 (2017) N.A.(5)
    Policy Year 3 (2016) N.A.(5)
    Policy Year 4 (2015) N.A.(5)
    Policy Year 5 (2014) Not yet launched
    Policy Year 6 (2013) Not yet launched
    Policy Year 7 (2012) Not yet launched
    Policy Year 8 (2011) Not yet launched
    Policy Year 9 (2010) Not yet launched
    Product Series Wealth Optima
    Product Type Whole Life
    Currency All
    Policy Year Product has not yet reached the first policy anniversary and thus no value is shown.
    Product Series Product Type Currency Policy year
    Bonus Power Plan Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    106%
    Policy Year 4(2015)
    107%
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan (Enhanced Protection) Whole Life All Policy Year 1(2018)
    Closed to sales
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    105%
    Policy Year 4(2015)
    103%
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan 2 (Enhanced Protection) Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan 2 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Bonus Power Plan 3 Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    Not yet launched
    Policy Year 3(2016)
    Not yet launched
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Protect Elevator Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Protect Elevator Plus Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Protect Elite Ultra Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    Not yet launched
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Protect Elite Ultra 2 / Protect Elite Ultra 2 – First Gift Whole Life All Policy Year 1(2018)
    Not yet launched
    Policy Year 2(2017)
    Not yet launched
    Policy Year 3(2016)
    Not yet launched
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Smart Elite Ultra Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    Not yet launched
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Wealth Elite Whole Life All Policy Year 1(2018)
    N.A.(5)
    Policy Year 2(2017)
    N.A.(5)
    Policy Year 3(2016)
    N.A.(5)
    Policy Year 4(2015)
    N.A.(5)
    Policy Year 5(2014)
    Not yet launched
    Policy Year 6(2013)
    Not yet launched
    Policy Year 7(2012)
    Not yet launched
    Policy Year 8(2011)
    Not yet launched
    Policy Year 9(2010)
    Not yet launched
    Wealth Optima Whole Life All Product has not yet reached the first policy anniversary and thus no value is shown.

    Notes:

    1. As the fulfillment ratios are calculated on aggregate level among all relevant participating policies and assumptions relating to premium payment, dividend/coupon options, withdrawal and policy loan etc are made, the fulfillment ratios shown in the table may not represent the situation of each individual participating policy.
    2. The figures are calculated based on the data as at the end of relevant reporting year and have been rounded to the nearest percent.
    3. The product series shown are those which have new policies issued starting from 2010. For the avoidance of doubt, products that were launched after the reporting year are excluded.
    4. The Product Type “Whole Life” is referring to both products covering whole of life and products covering up to age 100 only.
    5. Fulfillment ratio would not be applicable (i.e. shown as “N.A.”) for some policy years of some products under the following situations,
      1. Under the fulfillment ratio for annual dividends and reversionary bonuses,
        1. there are no relevant inforce policies in the reporting year; or
        2. up to the corresponding policy years, no annual dividends or reversionary bonuses has been declared;
      2. Under the fulfillment ratio for terminal dividends and terminal bonuses,
        1. there are no relevant inforce policies in the reporting year;
        2. there are relevant inforce policies but no relevant policies has been terminated in the reporting year; or
        3. in the corresponding policy years, no terminal dividends or terminal bonuses has been declared
    6. Fulfillment ratios for some products may be available before the product is launched or after the product is closed to sales. It may be due to various policy actions including but not limited to actions that involve change in policy date, for example, redating reinstatement, policy backdating and plan change. Redating reinstatement means changing policy date due to reinstating the policy status as inforce.
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    Contact aia

    We are pleased to announce that effective 22 February 2021, our customer service in Hong Kong will resume normal. However, please take note of the following special service hours for Macau.

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    • Customer Service Centres & Hotline Service:
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    Hong Kong

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    Hong Kong Island
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    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
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