Fulfillment ratios for participating products

The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product which has new policies issued by Sun Life Hong Kong Limited (the "Company") in the previous 5 calendar years prior to the reporting year. The fulfillment ratio is calculated as the average ratio of non-guaranteed dividends/bonuses actually declared/paid against the illustrated amounts at the point of sale. Fulfillment ratios are for reference only, dividend/bonus history is not an indicator of future declaration/performance of the participating products.


Products with the same features but with different pricing information (e.g. with different level of guaranteed and non-guaranteed benefit, premium rate, etc.) or different policy currency may be grouped into the same product series if differences in fulfillment ratios are considered immaterial. The disclosed fulfillment ratios are for basic plans only and all relevant policies are included in the calculation. In addition, to be consistent with the illustration basis, the actual amounts are calculated up to the respective policy anniversary.


Fulfillment ratios for policies with annual dividends

The fulfillment ratio for annual dividends is calculated as the ratio of aggregate actual accumulated non-guaranteed annual dividends (including actual dividend accumulation interests but excluding terminal dividends, if applicable) against the illustrated amounts at the point of sale for all relevant inforce policies. For the purpose of calculation of fulfillment ratios, it is assumed that policyholders opted to leave all declared dividends with the Company for interest accumulation based on the relevant actual interest rates. For products offering non-guaranteed monthly incomes, all non-guaranteed components of policies are included in calculation of fulfillment ratios (e.g. accumulated dividends during accumulation phase, accumulated non-guaranteed interests on guaranteed monthly incomes left on deposit, etc.). It is also assumed that policyholders opted to leave all monthly incomes with the Company for interest accumulation based on the relevant actual interest rates.

Fulfillment Ratios for Annual Dividends for Reporting Year 2017 of respective products


Fulfillment ratios for policies with reversionary bonuses

The fulfillment ratio for reversionary bonuses is calculated as the ratio of aggregate actual accumulated non-guaranteed reversionary bonuses (excluding terminal or special bonuses, if applicable) against the illustrated amounts at the point of sale for all relevant inforce policies. For the purpose of calculation of fulfillment ratios, cash value of reversionary bonuses is used in the calculation.


Fulfillment ratios for policies with terminal dividends/bonuses or special bonuses

The fulfillment ratio for terminal dividends/bonuses or special bonuses is calculated as the ratio of aggregate payout of terminal dividends/bonuses or special bonuses (if applicable) against the illustrated amounts at the point of sale for all relevant policies actually terminated in the reporting year. For the purpose of calculation of fulfillment ratios, cash value of terminal dividends/bonuses or special bonuses is used in the calculation.


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