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Fulfillment ratios

Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.

Fulfillment ratios

Fulfillment ratios compare the non-guaranteed dividends or bonuses actually declared with the amounts illustrated at the point of sale for the relevant policies. IA GL16 Appendix 1 sets out the disclosure requirements. GL16

100% means actual non-guaranteed benefits matched the illustrated amount for the stated measure and policy group. Above or below 100% means more or less than illustrated; this is not an investment return. Compare the currency, reporting year, cohort and component before interpreting a figure.

Coverage is limited to the verified sources listed below, not every insurer or historical year. Grouped cohorts and policy durations remain as published; missing or N/A values are not zero. Published names and notes may remain in the source language. Unknown publication dates are stated explicitly.

Public JSON and insurer shards

Source coverage

Insurer / publisherReporting yearSource
AIA International Limited2025
Source
AXA China Region Insurance Company Limited2025
Source
BOC Group Life Assurance Company Limited2025
Source
China Pacific Life Insurance (H.K.) Company Limited2025
Source
China Taiping Life Insurance (Hong Kong) Company Limited2025
Source
CTF Life Insurance Company Limited2025
Source
Fubon Life Insurance (Hong Kong) Company Limited2025
Source
FWD Life (Hong Kong) Limited / FWD Life Assurance Company (Hong Kong) Limited2025
Source
FWD Life Insurance Company (Bermuda) Limited2025
Source
Generali Life (Hong Kong) Limited2025
Source
Hang Seng Insurance Company Limited2025
Source
HSBC Life (International) Limited2025
Source
Manulife (International) Limited2025
Source
Sun Life Hong Kong Limited2020, 2022
Source
Well Link Life Insurance Company Limited2025
Source
YF Life Insurance International Limited2017, 2024, 2025
Source

Published observations

Filters load the selected insurer data on demand. Results keep insurer and product alphabetical order; values are never used to sort. Clear fields to include all cohorts.

Published observations
Insurer / publisherProduct seriesCurrencyIssue / effective yearPublished cohort / durationReporting yearComponentPublished valueSource
AIA International LimitedAdmire LifeAll202420242025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202320232025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202220222025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202120212025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202020202025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201920192025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201820182025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201720172025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201620162025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201520152025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll—Before 20152025Annual dividends78%SourcepData
AIA International LimitedAdmire LifeAll202420242025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202320232025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202220222025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202120212025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll202020202025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201920192025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201820182025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201720172025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201620162025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll201520152025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire LifeAll—Before 20152025Terminal dividends85%SourcepData
AIA International LimitedAdmire Life (Simple Version)All202420242025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202320232025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202220222025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202120212025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202020202025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201920192025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201820182025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201720172025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201620162025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201520152025Annual dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All—Before 20152025Annual dividends78%SourcepData
AIA International LimitedAdmire Life (Simple Version)All202420242025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202320232025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202220222025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202120212025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All202020202025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201920192025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201820182025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201720172025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201620162025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All201520152025Terminal dividendsClosed to salesSourcepData
AIA International LimitedAdmire Life (Simple Version)All—Before 20152025Terminal dividends85%SourcepData
AIA International LimitedAdmire Life Insurance Plan 2All202420242025Annual dividends100%SourcepData
AIA International LimitedAdmire Life Insurance Plan 2All202320232025Annual dividends100%SourcepData
AIA International LimitedAdmire Life Insurance Plan 2All202220222025Annual dividends100%SourcepData
AIA International LimitedAdmire Life Insurance Plan 2All202120212025Annual dividends129%SourcepData
AIA International LimitedAdmire Life Insurance Plan 2All202020202025Annual dividends105%SourcepData
AIA International LimitedAdmire Life Insurance Plan 2All201920192025Annual dividends81%SourcepData

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Published notes and source context

China Taiping Life Insurance (Hong Kong) Company Limited / Page 4

以上部份產品的分紅實現率顯示為「不適用」，原因包括： (a) 沒有相關的有效保單；(b) 直至相關的報告年度，於銷售時之累積紅利／分紅的金額為零； (c) 產品尚未推出；(d) 報告年度內沒有相關的保單終結（適用於終期紅利／特別紅利）；(e) 產品已停售。 復歸紅利的分紅實現率是根據相關保單實際累積復歸紅利除以於銷售時所示之累積復歸紅利金額來計算。為免生疑問，復歸紅利的現金價值會用作以上計算。 現金紅利的分紅實現率是根據相關保單實際累積的現金紅利（包括任何累積利息）除以於銷售時所示之累積現金紅利金額來計算。 終期紅利／特別紅利的分紅實現率是根據相關保單於報告年度內已支付的終期紅利／特別紅利除以於銷售時所示之終期紅利／特別紅利金額來計算。 為免生疑問，終期紅利／特別紅利的現金價值會用作以上計算。分紅實現率是以於報告年度內所有相關生效分紅保單計算，有可能不完全適用於個別分紅保單情況。 請注意過去的紅利或分紅派發表現並不應解讀成對分紅產品未來的紅利或分紅派發表現的指標。以上披露不包括於報告年度後推出的新產品。 比率四捨五入到最接近的整數。分紅實現率與其他相關產品及資料所載之「分紅履行比例」、「履行比率」之意義相同。

Generali Life (Hong Kong) Limited / Page 3

Ruby Critical Illness Plan: The fulfillment ratio for Special Dividend is shown as "N/A" for some policy years because: Special Dividend is not yet available in the corresponding policy years, so the fulfillment ratio is undetermined; or no relevant policies terminated or no relevant policies received Special Dividend in the reporting year and therefore there is no reportable statistics.

Generali Life (Hong Kong) Limited / Page 4

LionGuardian: The fulfillment ratio for Annual Dividend / Special Dividend is shown as "N/A" for some policy years because: Annual Dividend / Special Dividend is not yet available in the corresponding policy years, so the fulfillment ratio is undetermined; or for Special Dividend, no relevant policies terminated or no relevant policies received Special Dividend in the reporting year and therefore there is no reportable statistics. LionGuardian Beyond / Z-Protect Pro Insurance/ LionAlong: The fulfillment ratio for Terminal Dividend is shown as "N/A" for some policy years because: Terminal Dividend is not yet available in the corresponding policy years, so the fulfillment ratio is undetermined; or no relevant policies terminated or no relevant policies received Terminal Dividend in the reporting year and therefore there is no reportable statistics.

Generali Life (Hong Kong) Limited / Page 5

LionPromise Pro / Z-Retire Pro Insurance: The fulfillment ratio for Annual Dividend / Terminal Dividend is shown as "N/A" for some policy years because: Annual Dividend / Terminal Dividend is not yet available in the corresponding policy years, so the fulfillment ratio is undetermined; or for Terminal Dividend, no relevant policyies terminated or no relevant policies received Terminal Dividend in the reporting year and therefore there is no reportable statistics.

Generali Life (Hong Kong) Limited / Page 6

LionTycoon / LionTycoon Beyond / LionPrima / Z-Save Pro Insurance / LionTycoon Beyond 2 / Z-Save Pro Mega Insurance / LionPatron / LionAchiever:

Generali Life (Hong Kong) Limited / Page 7

The fulfillment ratio for Annual Dividend / Terminal Dividend is shown as "N/A" for some policy years because: Terminal Dividend is not yet available in the corresponding policy years, so the fulfillment ratio is undetermined; or no relevant policies terminated or no relevant policies received Terminal Dividend in the reporting year and therefore there is no reportable statistics.

Generali Life (Hong Kong) Limited / Page 8

LionHarvest Pro Deferred Annuity The fulfillment ratio for Terminal Dividend is shown as "N/A" for some policy years because: Terminal Dividend is not yet available in the corresponding policy years, so the fulfillment ratio is undetermined; or no relevant policy terminated or no relevant policies received Terminal Dividend in the reporting year and therefore there is no reportable statistics.

Manulife (International) Limited

Annual dividends N/A 1: no relevant policy in force at end of reporting year. N/A 2: illustrated dividends and interest up to that year are zero. Terminal bonus N/A 1: no relevant policy terminated. N/A 2: illustrated terminal bonus is zero. N/A 3: product not yet launched. N/A 4: product closed to sales.

Source

Source attribution only; copyright remains with each publisher. No open-data licence has been established.