Fulfillment Ratios – Annual Dividends and Special Bonuses

The following are non-guaranteed Annual Dividends/Special Bonuses fulfillment ratios for each product which has new policies issued in the previous 5 calendar years of reporting year 2016. Fulfillment Ratios are calculated up to the respective policy anniversary in the current reporting year.

Annual Dividends – The ratio of aggregate actual accumulated non-guaranteed Annual Dividends and Interests on both actual Annual Dividends and Guaranteed Cash Coupons at their respective Policy Anniversary in year 2016 against the respective illustrated amounts at the point of sale for all relevant policies that were still in-force as of the end of year 2016.

Special Bonus – The ratio of aggregate payout of special bonuses against the illustrated amounts at the point of sale for all relevant policies terminated in reporting year 2016.

For the purpose of calculation of fulfillment ratios, it is assumed that:

  • Policies that had applied reduced paid-up are excluded from the calculation of fulfillment ratios
  • All annual dividends (if any) declared are left with the Company for interest accumulation since policy issuance
  • All guaranteed cash coupons (if any) paid are left with the Company for interest accumulation since policy issuance
  • All guaranteed monthly annuity payments(if any) and non-guaranteed monthly annuity payments(if any) paid are left with the Company for interest accumulation since policy issuance
  • There is no change in Sum Insured/Notional Amount of the Policy since policy issuance

Fulfillment ratios may not be applicable due to one or more of the following reason(s):

  • No relevant policy is in-force with the respective policy year as of current reporting year
  • The amount of accumulated annual dividends and interest illustrated at the point of sale up to the respective policy year as of current reporting year is zero for the relevant policies
  • No special bonus was paid in reporting year as 1) no special bonus was entitled by the policy upon the termination of the policy in the respective policy year; and/or 2) no relevant policy was actually terminated in the respective policy year

Please be reminded that the dividend / bonus history is not an indicator of future performance of our participating products.

AeconoLife 20

Product type - Participating whole life

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ 69.4% 93.0% 83.6% 96.8% 94.4% 96.7%
HK$ 72.5% 85.2% 88.1% 91.7% 90.9% 95.7%

Product type - Participating whole life

Annual Dividends
US$ Plan
Policy year 1 69.4%
Policy year 2 93.0%
Policy year 3 83.6%
Policy year 4 96.8%
Policy year 5 94.4%
Policy year 6 96.7%
HK$ Plan
Policy year 1 72.5%
Policy year 2 85.2%
Policy year 3 88.1%
Policy year 4 91.7%
Policy year 5 90.9%
Policy year 6 95.7%

AeconoLife

Product type - Participating whole life

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ 68.7% 82.0% 90.4% 95.2% 89.1% 97.0%
HK$ 72.0% 86.6% 88.8% 92.4% 90.3% 95.7%

Product type - Participating whole life

Annual Dividends
US$ Plan
Policy year 1 68.7%
Policy year 2 82.0%
Policy year 3 90.4%
Policy year 4 95.2%
Policy year 5 89.1%
Policy year 6 97.0%
HK$ Plan
Policy year 1 72.0%
Policy year 2 86.6%
Policy year 3 88.8%
Policy year 4 92.4%
Policy year 5 90.3%
Policy year 6 95.7%

AeconoSmart

Product type - Participating whole life

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ 59.9% 96.0% 94.0% 98.1% 90.6% 93.4%
HK$ 68.1% 85.7% 87.4% 91.7% 92.9% 92.4%

Product type - Participating whole life

Annual Dividends
US$ Plan
Policy year 1 59.9%
Policy year 2 96.0%
Policy year 3 94.0%
Policy year 4 98.1%
Policy year 5 90.6%
Policy year 6 93.4%
HK$ Plan
Policy year 1 68.1%
Policy year 2 85.7%
Policy year 3 87.4%
Policy year 4 91.7%
Policy year 5 92.9%
Policy year 6 92.4%

Crisis Fighter Plus

Product type - Participating Critical Illness

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A N/A 100.0% 92.2% 102.9%
HK$ N/A N/A 99.8% 99.6% 93.5% 101.7%

Product type - Participating Critical Illness

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 100.0%
Policy year 5 92.2%
Policy year 6 102.9%
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 99.8%
Policy year 4 99.6%
Policy year 5 93.5%
Policy year 6 101.7%

Crisis VCover

Product type - Participating Critical Illness

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ 100.0% N/A N/A N/A N/A N/A
HK$ 100.0% N/A N/A N/A N/A N/A
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A

Product type - Participating Critical Illness

Annual Dividends
US$ Plan
Policy year 1 100.0%
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 100.0%
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

Crisis XDefender

Product type - Participating Critical Illness

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A

Product type - Participating Critical Illness

Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

Easy Achiever Savings Insurance Plan

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A 100.0% N/A

Product type - Participating whole life with coupon

Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 100.0%
Policy year 6 N/A

Easy Achiever Junior Savings Insurance Plan

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A

Product type - Participating whole life with coupon

Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

Easy Defender Critical Illness Insurance Plan

Product type - Participating Critical Illness

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Special Bonuses US$ N/A N/A N/A N/A 93.3% N/A
HK$ N/A N/A N/A N/A 91.0% 80.0%

Product type - Participating Critical Illness

Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 93.3%
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 91.0%
Policy year 6 80.0%

Easy Fortune Endowment Plan II

Product type - Participating Endowment

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Special Bonuses HK$ N/A N/A 100.0% N/A N/A N/A

Product type - Participating Endowment

Special Bonuses
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 100.0%
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

Eternity Savings Insurance Plan

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A 80.0%
Special Bonuses US$ N/A N/A N/A N/A 100.0% N/A
HK$ N/A N/A N/A N/A 88.0% N/A

Product type - Participating whole life with coupon

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 80.0%
Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 100.0%
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 88.0%
Policy year 6 N/A

Fearless Cancer Protection Plan

Product type - Participating Critical Illness

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A

Product type - Participating Critical Illness

Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

i.15/20

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ 74.1% 79.0% 88.6% 93.2% 95.0% 98.3%
HK$ 78.6% 84.2% 89.1% 92.0% 92.4% 94.3%

Product type - Participating whole life with coupon

Annual Dividends
US$ Plan
Policy year 1 74.1%
Policy year 2 79.0%
Policy year 3 88.6%
Policy year 4 93.2%
Policy year 5 95.0%
Policy year 6 98.3%
HK$ Plan
Policy year 1 78.6%
Policy year 2 84.2%
Policy year 3 89.1%
Policy year 4 92.0%
Policy year 5 92.4%
Policy year 6 94.3%

i.15/20 (Special Edition)

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A N/A N/A 83.2% 98.4%
HK$ N/A N/A N/A N/A 95.7% 96.5%

Product type - Participating whole life with coupon

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 83.2%
Policy year 6 98.4%
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 95.7%
Policy year 6 96.5%

i.368

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A N/A 95.6% 90.8% 88.9%
HK$ N/A N/A N/A 90.2% 85.0% 87.8%

Product type - Participating whole life with coupon

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 95.6%
Policy year 5 90.8%
Policy year 6 88.9%
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 90.2%
Policy year 5 85.0%
Policy year 6 87.8%

i.Retire III

Product type - Participating Endowment

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ 100.0% 100.0% 100.0% N/A N/A N/A
Special Bonuses US$ N/A N/A N/A N/A N/A N/A

Product type - Participating Endowment

Annual Dividends
US$ Plan
Policy year 1 100.0%
Policy year 2 100.0%
Policy year 3 100.0%
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

i.PaySmart

Product type - Participating whole life

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
HK$ 100.0% 100.0% 99.7% 99.6% 99.9% 99.5%

Product type - Participating whole life

Annual Dividends
US$ Plan
Policy year 1 100.0%
Policy year 2 100.0%
Policy year 3 100.0%
Policy year 4 100.0%
Policy year 5 100.0%
Policy year 6 100.0%
HK$ Plan
Policy year 1 100.0%
Policy year 2 100.0%
Policy year 3 99.7%
Policy year 4 99.6%
Policy year 5 99.9%
Policy year 6 99.5%

Journey Annuity Plan

Product type - Participating Annuity

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends* US$ 100.0% 100.0% N/A N/A N/A N/A
HK$ 100.0% 100.0% N/A N/A N/A N/A

*The fulfillment ratios of Journey Annuity Plan is the ratio of actual to illustrated non-guaranteed components. Non-guaranteed components include the Accumulated Dividends and Interest (Annuity Balance), the Accumulated Monthly Non-Guaranteed Annuity Payments and Interest on both Accumulated Monthly Guaranteed and Accumulated Monthly Non-Guaranteed Annuity Payments. Note that Annuity Balance is payable upon the Death of the Insured or Surrender of the Policy. It may not be withdrawn by the Policy Owner or any Beneficiary from the Policy.

Product type - Participating Annuity

Annual Dividends*
US$ Plan
Policy year 1 100.0%
Policy year 2 100.0%
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 100.0%
Policy year 2 100.0%
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

*The fulfillment ratios of Journey Annuity Plan is the ratio of actual to illustrated non-guaranteed components. Non-guaranteed components include the Accumulated Dividends and Interest (Annuity Balance), the Accumulated Monthly Non-Guaranteed Annuity Payments and Interest on both Accumulated Monthly Guaranteed and Accumulated Monthly Non-Guaranteed Annuity Payments. Note that Annuity Balance is payable upon the Death of the Insured or Surrender of the Policy. It may not be withdrawn by the Policy Owner or any Beneficiary from the Policy.

MaxFocus Savings Plan

Product type - Participating whole life

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A

Product type - Participating whole life

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

MediSaver

Product type - Participating whole Life

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends* US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A 100.0% 99.5%

*Assume there is no medical claim since policy inception

Product type - Participating whole Life

Annual Dividends*
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 100.0%
Policy year 6 99.5%

*Assume there is no medical claim since policy inception

StandByU Savings Plan

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A 100.0% N/A N/A N/A
HK$ N/A N/A 100.0% N/A N/A N/A
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A

Product type - Participating whole life with coupon

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 100.0%
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 100.0%
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

StandByU Savings Plan (Premier)

Product type - Participating whole life with coupon

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A 100.0% N/A N/A N/A
HK$ N/A N/A 100.0% N/A N/A N/A
Special Bonuses US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A N/A

Product type - Participating whole life with coupon

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 100.0%
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 100.0%
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
Special Bonuses
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A

Superb-Life 20

Product type - Participating whole life

Type of non-guaranteed element Currency Fulfillment ratios for reporting year 2016
Policy year 1 Policy year 2 Policy year 3 Policy year 4 Policy year 5 Policy year 6
Annual Dividends US$ N/A N/A N/A N/A N/A N/A
HK$ N/A N/A N/A N/A N/A 94.5%

Product type - Participating whole life

Annual Dividends
US$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 N/A
HK$ Plan
Policy year 1 N/A
Policy year 2 N/A
Policy year 3 N/A
Policy year 4 N/A
Policy year 5 N/A
Policy year 6 94.5%

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