Historical Crediting Interest Rates

The following are historical crediting interest rates for each universal life product which has new policies issued in the previous 5 calendar years of reporting year 2016. Please be reminded that the historical crediting interest rates shown are for reference only and should not be taken as an indicator of future performance of our universal life products.

Notes:

  1. The crediting interest rates shown are calculated before any relevant charges applicable to your policy. Please refer to policy provisions for details of the charges applicable to your policy.
  2. Unless otherwise specified, the crediting interest rates shown are calculated based on weighted average of actual crediting interest rates of the policies in each calendar year. Therefore, please refer to your annual statement for the actual crediting interest rates applicable to your policy.

Basic Plus Series

Level Benefit

US$ Plan
Basic Plus
Level Benefit
2016 2015 2014 2013 2012 2011
Plan 1 3.00% 3.50% 4.00% 4.20% 4.50% 4.90%
Plan 2
Plan 3
Plan 4
Plan 4 Premier 3.00% 3.50% N/A N/A N/A N/A
Basic Plus Junior
Level Benefit
2016 2015 2014 2013 2012 2011
Plan 5 3.00% 3.50% 4.00% 4.20% 4.50% 4.90%
Plan 6
Plan 6 Premier 3.00% 3.50% N/A N/A N/A N/A
HK$ Plan
Basic Plus
Level Benefit
2016 2015 2014 2013 2012 2011
Plan 1 2.50% 3.00% 3.50% 4.00% 4.38% 4.80%
Plan 2
Plan 3
Plan 4
Plan 4 Premier 2.50% 3.00% N/A N/A N/A N/A
Basic Plus Junior
Level Benefit
2016 2015 2014 2013 2012 2011
Plan 5 2.50% 3.00% 3.50% 4.00% 4.38% 4.80%
Plan 6
Plan 6 Premier 2.50% 3.00% N/A N/A N/A N/A

Increasing Benefit

US$ Plan
Basic Plus
Increasing Benefit
2016 2015 2014 2013 2012 2011
Plan 1 3.00% 3.50% 4.00% 4.20% 4.50% 4.90%
Plan 2
Plan 3
Plan 4
Plan 4 Premier 3.00% 3.50% N/A N/A N/A N/A
Basic Plus Junior
Increasing Benefit
2016 2015 2014 2013 2012 2011
Plan 5 3.00% 3.50% 4.00% 4.20% 4.50% 4.90%
Plan 6
Plan 6 Premier 3.00% 3.50% N/A N/A N/A N/A
HK$ Plan
Basic Plus
Increasing Benefit
2016 2015 2014 2013 2012 2011
Plan 1 2.50% 3.00% 3.50% 4.00% 4.38% 4.80%
Plan 2
Plan 3
Plan 4
Plan 4 Premier 2.50% 3.00% N/A N/A N/A N/A
Basic Plus Junior
Increasing Benefit
2016 2015 2014 2013 2012 2011
Plan 5 2.50% 3.00% 3.50% 4.00% 4.38% 4.80%
Plan 6
Plan 6 Premier 2.50% 3.00% N/A N/A N/A N/A

Level Benefit

US$ Plan
Basic Plus, Plan 1-4, Level Benefit
2016 3.00%
2015 3.50%
2014 4.00%
2013 4.20%
2012 4.50%
2011 4.90%
Basic Plus, Plan 4 Premier, Level Benefit
2016 3.00%
2015 3.50%
2014 N/A
2013 N/A
2012 N/A
2011 N/A
Basic Plus Junior, Plan 5-6, Level Benefit
2016 3.00%
2015 3.50%
2014 4.00%
2013 4.20%
2012 4.50%
2011 4.90%
Basic Plus Junior, Plan 6 Premier, Level Benefit
2016 3.00%
2015 3.50%
2014 N/A
2013 N/A
2012 N/A
2011 N/A
HK$ Plan
Basic Plus, Plan 1-4, Level Benefit
2016 2.50%
2015 3.00%
2014 3.50%
2013 4.00%
2012 4.38%
2011 4.80%
Basic Plus, Plan 4 Premier, Level Benefit
2016 2.50%
2015 3.00%
2014 N/A
2013 N/A
2012 N/A
2011 N/A
Basic Plus Junior, Plan 5-6, Level Benefit
2016 2.50%
2015 3.00%
2014 3.50%
2013 4.00%
2012 4.38%
2011 4.80%
Basic Plus Junior, Plan 6 Premier, Level Benefit
2016 2.50%
2015 3.00%
2014 N/A
2013 N/A
2012 N/A
2011 N/A

Increasing Benefit

US$ Plan
Basic Plus, Plan 1-4, Increasing Benefit
2016 3.00%
2015 3.50%
2014 4.00%
2013 4.20%
2012 4.50%
2011 4.90%
Basic Plus, Plan 4 Premier, Increasing Benefit
2016 3.00%
2015 3.50%
2014 N/A
2013 N/A
2012 N/A
2011 N/A
Basic Plus Junior, Plan 5-6, Increasing Benefit
2016 3.00%
2015 3.50%
2014 4.00%
2013 4.20%
2012 4.50%
2011 4.90%
Basic Plus Junior, Plan 6 Premier, Increasing Benefit
2016 3.00%
2015 3.50%
2014 N/A
2013 N/A
2012 N/A
2011 N/A
HK$ Plan
Basic Plus, Plan 1-4, Increasing Benefit
2016 2.50%
2015 3.00%
2014 3.50%
2013 4.00%
2012 4.38%
2011 4.80%
Basic Plus, Plan 4 Premier, Increasing Benefit
2016 2.50%
2015 3.00%
2014 N/A
2013 N/A
2012 N/A
2011 N/A
Basic Plus Junior, Plan 5-6, Increasing Benefit
2016 2.50%
2015 3.00%
2014 3.50%
2013 4.00%
2012 4.38%
2011 4.80%
Basic Plus Junior, Plan 6 Premier, Increasing Benefit
2016 2.50%
2015 3.00%
2014 N/A
2013 N/A
2012 N/A
2011 N/A

Easy Plus Series

US$ Plan
2016 2015 2014 2013 2012 2011
Easy Plus Insurance Plan 3.00% 3.60% 4.10% 4.20% 4.50% 4.90%
HK$ Plan
2016 2015 2014 2013 2012 2011
Easy Plus Insurance Plan 2.50% 3.00% 3.50% 3.75% 4.38% 4.80%
US$ Plan
Easy Plus Insurance Plan
2016 3.00%
2015 3.60%
2014 4.10%
2013 4.20%
2012 4.50%
2011 4.90%
HK$ Plan
Easy Plus Insurance Plan
2016 2.50%
2015 3.00%
2014 3.50%
2013 3.75%
2012 4.38%
2011 4.80%

Flexi-Growth Series

US$ Plan
2016 2015 2014 2013 2012 2011
Flexi-Growth Insurance Plan 3.00% 3.60% 4.10% 4.20% 4.50% 4.90%
HK$ Plan
2016 2015 2014 2013 2012 2011
Flexi-Growth Insurance Plan 2.50% 3.00% 3.50% 3.75% 4.38% 4.80%
US$ Plan
Flexi-Growth Insurance Plan
2016 3.00%
2015 3.60%
2014 4.10%
2013 4.20%
2012 4.50%
2011 4.90%
HK$ Plan
Flexi-Growth Insurance Plan
2016 2.50%
2015 3.00%
2014 3.50%
2013 3.75%
2012 4.38%
2011 4.80%

i.ULife Series

US$ Plan
i.ULife 2016 2015 2014 2013 2012 2011
Level Benefit 3.00% 3.30% 4.00% 4.20% 4.50% 4.90%
Increasing Benefit
HK$ Plan
i.ULife 2016 2015 2014 2013 2012 2011
Level Benefit 2.50% 2.80% 3.50% 4.00% 4.38% 4.80%
Increasing Benefit
US$ Plan
Level Benefit and Increasing Benefit
2016 3.00%
2015 3.30%
2014 4.00%
2013 4.20%
2012 4.50%
2011 4.90%
HK$ Plan
Level Benefit and Increasing Benefit
2016 2.50%
2015 2.80%
2014 3.50%
2013 4.00%
2012 4.38%
2011 4.80%

i.ULife Plus Series

US$ Plan
i.ULife Plus 2016 2015 2014 2013 2012 2011
Plan 1 3.00% 3.60% 4.10% 4.20% 4.50% 4.90%
Plan 2
HK$ Plan
i.ULife Plus 2016 2015 2014 2013 2012 2011
Plan 1 2.50% 3.00% 3.50% 3.75% 4.38% 4.80%
Plan 2
US$ Plan
i.ULife Plus, Plan 1-2
2016 3.00%
2015 3.60%
2014 4.10%
2013 4.20%
2012 4.50%
2011 4.90%
HK$ Plan
i.ULife Plus, Plan 1-2
2016 2.50%
2015 3.00%
2014 3.50%
2013 3.75%
2012 4.38%
2011 4.80%

Global Fortune Series

US$ Plan
2016 2015 2014 2013 2012 2011
Global Fortune 3.50% 3.90% 4.15% 4.20% 4.38% 4.38%
US$ Plan
Global Fortune
2016 3.50%
2015 3.90%
2014 4.15%
2013 4.20%
2012 4.38%
2011 4.38%

For Your Interest RMB Universal Life Plan Series

RMB Plan
2016 2015 2014 2013 2012 2011
For policies submitted before 12th Oct 2014 4.05% 4.05% 4.05% N/A N/A N/A
For policies submitted on or after 12th Oct, 2014 4.00%* 4.00% 4.05% N/A N/A N/A

*The crediting interest rate excludes the impact due to promotion campaign

RMB Plan
For policies submitted before 12th Oct 2014
2016 4.05%
2015 4.05%
2014 4.05%
2013 N/A
2012 N/A
2011 N/A
For policies submitted on or after 12th Oct, 2014
2016 4.00%*
2015 4.00%
2014 4.05%
2013 N/A
2012 N/A
2011 N/A

*The crediting interest rate excludes the impact due to promotion campaign

Savie Series

HK$ Plan
Single Premium 2016 2015 2014 2013 2012 2011
For policies submitted before 29th Feb 2016 3.00% 3.00% N/A N/A N/A N/A
For policies submitted between 7th Mar 2016 to 23rd Apr 2016 2.00% N/A N/A N/A N/A N/A
For policies submitted between 24th Apr 2016 to 8th May 2016 2.00% N/A N/A N/A N/A N/A
For policies submitted between 9th May 2016 to 30th Jun 2016 1.00% N/A N/A N/A N/A N/A
For policies submitted on or after 7th Jul 2016 2.00% N/A N/A N/A N/A N/A
Regular Premium 2016 2015 2014 2013 2012 2011
For policies submitted between 7th Mar 2016 to 23rd Apr 2016 3.00% N/A N/A N/A N/A N/A
For policies submitted between 9th May 2016 to 30th Jun 2016 1.00% N/A N/A N/A N/A N/A
For policies submitted on or after 7th Jul 2016 2.00% N/A N/A N/A N/A N/A
HK$ Plan
For policies submitted before 29th Feb 2016 (Single Premium)
2016 3.00%
2015 3.00%
2014 N/A
2013 N/A
2012 N/A
2011 N/A
For policies submitted between 7th Mar 2016 to 23rd Apr 2016 (Single Premium)
2016 2.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
2011 N/A
For policies submitted between 24th Apr 2016 to 8th May 2016 (Single Premium)
2016 2.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
2011 N/A
For policies submitted between 9th May 2016 to 30th Jun 2016 (Single Premium)
2016 1.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
2011 N/A
For policies submitted on or after 7th Jul 2016 (Single Premium)
2016 2.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
2011 N/A
For policies submitted between 7th Mar 2016 to 23rd Apr 2016 (Regular Premium)
2016 3.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
2011 N/A
For policies submitted between 9th May 2016 to 30th Jun 2016 (Regular Premium)
2016 1.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
2011 N/A
For policies submitted on or after 7th Jul 2016 (Regular Premium)
2016 2.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
2011 N/A

Basic Plus II Series

Level Benefit

US$ Plan
Basic Plus II
Level Benefit
2016 2015 2014 2013 2012
Plan 1 3.80% N/A N/A N/A N/A
Plan 2
Plan 3
Plan 4
Plan 4 Premier 3.80% N/A N/A N/A N/A
Basic Plus Junior II
Level Benefit
2016 2015 2014 2013 2012
Plan 5 3.80% N/A N/A N/A N/A
Plan 6
Plan 6 Premier 3.80% N/A N/A N/A N/A
HK$ Plan
Basic Plus II
Level Benefit
2016 2015 2014 2013 2012
Plan 1 3.30% N/A N/A N/A N/A
Plan 2
Plan 3
Plan 4
Plan 4 Premier 3.30% N/A N/A N/A N/A
Basic Plus Junior II
Level Benefit
2016 2015 2014 2013 2012
Plan 5 3.30% N/A N/A N/A N/A
Plan 6
Plan 6 Premier 3.30% N/A N/A N/A N/A

Increasing Benefit

US$ Plan
Basic Plus II
Increasing Benefit
2016 2015 2014 2013 2012
Plan 1 3.80% N/A N/A N/A N/A
Plan 2
Plan 3
Plan 4
Plan 4 Premier 3.80% N/A N/A N/A N/A
Basic Plus Junior II
Increasing Benefit
2016 2015 2014 2013 2012
Plan 5 3.80% N/A N/A N/A N/A
Plan 6
Plan 6 Premier 3.80% N/A N/A N/A N/A
HK$ Plan
Basic Plus II
Increasing Benefit
2016 2015 2014 2013 2012
Plan 1 3.30% N/A N/A N/A N/A
Plan 2
Plan 3
Plan 4
Plan 4 Premier 3.30% N/A N/A N/A N/A
Basic Plus Junior II
Increasing Benefit
2016 2015 2014 2013 2012
Plan 5 3.30% N/A N/A N/A N/A
Plan 6
Plan 6 Premier 3.30% N/A N/A N/A N/A

Level Benefit

US$ Plan
Basic Plus II, Plan 1-4, Level Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus II, Plan 4 Premier, Level Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 5-6, Level Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 6 Premier, Level Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
HK$ Plan
Basic Plus II, Plan 1-4, Level Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus II, Plan 4 Premier, Level Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 5-6, Level Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 6 Premier, Level Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A

Increasing Benefit

US$ Plan
Basic Plus II, Plan 1-4, Increasing Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus II, Plan 4 Premier, Increasing Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 5-6, Increasing Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 6 Premier, Increasing Benefit
2016 3.80%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
HK$ Plan
Basic Plus II, Plan 1-4, Increasing Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus II, Plan 4 Premier, Increasing Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 5-6, Increasing Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
Basic Plus Junior II, Plan 6 Premier, Increasing Benefit
2016 3.30%
2015 N/A
2014 N/A
2013 N/A
2012 N/A

Flexi-Growth Premier Series

US$ Plan
2016 2015 2014 2013 2012
Flexi-Growth Premier Insurance Plan 4.20% N/A N/A N/A N/A
HK$ Plan
2016 2015 2014 2013 2012
Flexi-Growth Premier Insurance Plan 3.70% N/A N/A N/A N/A
US$ Plan
Flexi-Growth Premier Insurance Plan
2016 4.20%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
HK$ Plan
Flexi-Growth Premier Insurance Plan
2016 3.70%
2015 N/A
2014 N/A
2013 N/A
2012 N/A

i.Ulife Select Series

US$ Plan
2016 2015 2014 2013 2012
i.Ulife Select Insurance Plan 4.60% N/A N/A N/A N/A
HK$ Plan
2016 2015 2014 2013 2012
i.Ulife Select Insurance Plan 4.10% N/A N/A N/A N/A
US$ Plan
i.Ulife Select Insurance Plan
2016 4.60%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
HK$ Plan
i.Ulife Select Insurance Plan
2016 4.10%
2015 N/A
2014 N/A
2013 N/A
2012 N/A

Noble Fortune Series

US$ Plan
2016 2015 2014 2013 2012
Noble Fortune 4.40% N/A N/A N/A N/A
US$ Plan
Noble Fortune
2016 4.40%
2015 N/A
2014 N/A
2013 N/A
2012 N/A

Provie Series

US$ Plan
2016 2015 2014 2013 2012
Provie Insurance Plan 2.00% N/A N/A N/A N/A
HK$ Plan
2016 2015 2014 2013 2012
Provie Insurance Plan 1.50% N/A N/A N/A N/A
US$ Plan
Provie Insurance Plan
2016 2.00%
2015 N/A
2014 N/A
2013 N/A
2012 N/A
HK$ Plan
Provie Insurance Plan
2016 1.50%
2015 N/A
2014 N/A
2013 N/A
2012 N/A