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 2015.

The following products were launched less than one year ago, therefore no historical crediting interest rate is available at this time.

  • Basic Plus II
  • Basic Plus Junior II
  • Flexi-Growth Premier Insurance Plan
  • i.ULife Select Insurance Plan
  • Noble Fortune
  • Savie Insurance Plan with submission date on or after 1st March 2016
  • Provie Insurance Plan

Please be reminded that the historical crediting interest rate is not an indicator of future performance of our universal life products

Basic Plus Series

Level Benefit

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

Increasing Benefit

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

Level Benefit

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

Easy Plus Series

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

Flexi-Growth Series

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

i.ULife Series

US$ Plan
i.ULife 2015 2014 2013 2012 2011
Level Benefit (One-off Premium) 3.30% 4.00% 4.20% 4.50% 4.90%
Level Benefit
Increasing Benefit
Enhanced Version 3.10% 3.55% 4.20% 4.50% 4.90%
HK$ Plan
i.ULife 2015 2014 2013 2012 2011
Level Benefit (One-off Premium) 2.80% 3.50% 4.00% 4.38% 4.80%
Level Benefit
Increasing Benefit
Enhanced Version 2.60% 3.05% 4.00% 4.38% 4.80%
US$ Plan
Level Benefit, Level Benefit (One-off Premium) and Increasing Benefit
2015 3.30%
2014 4.00%
2013 4.20%
2012 4.50%
2011 4.90%
Enhanced Version
2015 3.10%
2014 3.55%
2013 4.20%
2012 4.50%
2011 4.90%
HK$ Plan
Level Benefit, Level Benefit (One-off Premium) and Increasing Benefit
2015 2.80%
2014 3.50%
2013 4.00%
2012 4.38%
2011 4.80%
Enhanced Version
2015 2.60%
2014 3.05%
2013 4.00%
2012 4.38%
2011 4.80%

i.ULife Plus Series

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

Global Fortune Series

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

Universal Fortune Series

US$ Plan
Universal Fortune 2015 2014 2013 2012 2011
Single Premium 3.00% 3.00% 3.58% 4.08% 4.38%
Regular Premium
US$ Plan
Single Premium & Regular Premium
2015 3.00%
2014 3.00%
2013 3.58%
2012 4.08%
2011 4.38%

For Your Interest RMB Universal Life Plan Series

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

Savie Series

HK$ Plan
2015 2014 2013 2012 2011
For policies submitted before 29th Feb 2016 3.00% N/A N/A N/A N/A
HK$ Plan
For policies submitted before 29th Feb 2016
2015 3.00%
2014 N/A
2013 N/A
2012 N/A
2011 N/A