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WeChat
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My Sun Life HK Client Digital Platforms
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Retirement Calculator
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My Sun Life HK - Group Insurance app
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Education Budget Calculator
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Bright Solutions
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Cost estimator of treating major illnesses
-
First Contribution Calculator
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Investment Risk Assessment
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Retirement Savings Calculator
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Expense Calculator
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Savings Planning Calculator
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MPF Navigator - the MPF investment tool
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Asset Management
Sun Life Asset Management
Macro Observation
April 2025 (Cantonese voice-over with Chinese and English subtitles)
Note: Macro Observation is only for general information sharing but not any investment opinion. This is neither an invitation of investment nor agreement to make any product purchase.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Venus1 | Participating Whole Life | Closed to sales | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Venus 1 | Participating Whole Life | Closed to sales | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LIFE Super1 , LIFE Super Plus1 | Participating Whole Life | Closed to sales | Closed to sales | 98% | 98% | 98% | 97% | 97% | 97% | 99% | 109% | 95% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vision | Participating Whole Life | NA | 98% | 98% | 98% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vision | Participating Whole Life | 100% | 98% | 94% | 91% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vision | Participating Whole Life | NA | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Generations 1 | Participating Whole Life | Closed to sales | 96% | 91% | 93% | 94% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Generations 1 | Participating Whole Life | Closed to sales | NA | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Victory | Participating Whole Life | NA | NA | 110% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Victory | Participating Whole Life | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HOPE Educator 1 | Participating Whole Life | Closed to sales | Closed to sales | 76% | 89% | 88% | 84% | 88% | 91% | 92% | 93% | 89% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commitment 1 | Participating Whole Life | 100% | 91% | 86% | 88% | 87% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commitment 1 | Participating Whole Life | NA | NA | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Generations II | Participating Whole Life | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Generations II | Participating Whole Life | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Life Brilliance | Participating Whole Life | NA | NA | 92% | 87% | 89% | 90% | 83% | 83% | 83% | 87% | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Life Brilliance | Participating Whole Life | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Prosperity 1 | Participating Whole Life | Closed to sales | 91% | 89% | 92% | 93% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Prosperity 1 | Participating Whole Life | Closed to sales | NA | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stellar 1 | Participating Whole Life | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stellar 1 | Participating Whole Life | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunGift | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunGift | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunGift Global | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunGift Global | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunJoy | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunJoy | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunJoy Global | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunJoy Global | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunWing | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunWing | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunPrime | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunPrime | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunGrowth | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunGrowth | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stellar Multi-Currency Plan | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stellar Multi-Currency Plan | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunProtect | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunGuardian / SunGuardian (Care Version) | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MultiGuardian | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Venus II | Participating Whole Life | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Venus II | Participating Whole Life | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RoyalFortune Savings Insurance Plan | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RoyalFortune Savings Insurance Plan | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vital | Participating Whole Life | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vital | Participating Whole Life | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunPromise Income Plan 1 | Participating Whole Life | Closed to sales | NA | NA | NA | NA | 85% | 85% | 85% | 85% | 85% | Not yet launched |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunEducator 1 | Participating Endowment | Closed to sales | Closed to sales | Closed to sales | 63% | 62% | 65% | 69% | 73% | 75% | 76% | 69% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunHealth Critical Illness Care II 1 | Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 95% | 95% | 95% | 95% | 95% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunHealth LovePromise | Participating Whole Life | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunHealth OmniCare | Participating Whole Life | NA | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunHealth UltraCare1, SunHealth MaxiCare 1 | Participating Whole Life | NA | NA | NA | NA | 63% | 61% | 62% | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sun Diamond Income Plan1 | Participating Endowment | Closed to sales | Closed to sales | 93% | 91% | 91% | 78% | 54% | 64% | 63% | 69% | 62% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FlexiRetire Annuity Plan | Participating Whole Life | NA | NA | 85% | 84% | 86% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FlexiRetire Annuity Plan | Participating Whole Life | NA | NA | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Reversionary Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Foresight Deferred Annuity Plan | Participating Whole Life | NA | NA | 85% | 85% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Fulfillment Ratios for Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Foresight Deferred Annuity Plan | Participating Whole Life | NA | NA | NA | NA | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WARMTH Retirement 1 | Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | 80% | 79% | 76% | 77% | 76% | 80% | 129% | 105% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Terminal Dividends/Bonuses or Special Bonuses for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SunWell Series | Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSET Builder1, GROWTH Builder1, GROWTH Plus1 | Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 95% | 95% | 95% | 96% | 93% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LIFE Achiever 1 | Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 98% | 98% | 98% | 79% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LIFE Enhancer 1 | Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 94% | 95% | 90% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
The following tables show the non-guaranteed dividends/bonuses fulfillment ratios for each product series which has new policies issued by Sun Life Hong Kong Limited (the "Company") since 2010 and still has policies inforce in the current 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 Annual Dividends for Reporting Year 2023 of respective products
| Product | Product Type | Policy Year 1 (policies effective in 2022) | Policy Year 2 (policies effective in 2021) | Policy Year 3 (policies effective in 2020) | Policy Year 4 (policies effective in 2019) | Policy Year 5 (policies effective in 2018) | Policy Year 6 (policies effective in 2017) | Policy Year 7 (policies effective in 2016) | Policy Year 8 (policies effective in 2015) | Policy Year 9 (policies effective in 2014) | Policy Year 10 (policies effective in 2013) | Policy Year 10+ (policies effective in 2010 - 2012) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LIFE Savings Plus 1 | Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 98% | 98% | 94% |
1This product is closed to new business.
Remarks:
Some of the above fulfillment ratios may show "N/A" (not applicable) due to one or more of the following reasons:
1.No relevant policies for the respective policy year because:
- -no policies were issued during a particular calendar year; and/or
- -no policies remain inforce by the end of the reporting year.
2.No annual dividends or reversionary bonuses were entitled by the relevant policies up to the respective policy year.
3.There were no actual payouts of terminal dividends/bonuses or special bonuses for the respective policy year because:
- -no terminal dividends/bonuses or special bonuses were entitled by the relevant policies up to the respective policy year; or
- -there were no terminations and/or other applicable events triggering the actual payouts of terminal dividends/bonuses or special bonuses in the reporting year for the relevant policies.
| 萬年青 · 星河傳承保險計劃 II | 分紅終身人壽 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 | 尚未推出 |