Manulife vs Sun Life dividend fulfillment ratios
Hong Kong Insurance Connect, for research and comparison only.In 2025 disclosures recorded here, Manulife published 61 series with a median ratio of 100% (64.3% of series with figures had an observation at or above 100%); Sun Life published 48 series with a median of 95% (54.5%).Source: insurers’ published fulfillment-ratio disclosures under IA GL16, recorded here; sources checked .
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How do Manulife and Sun Life compare in 2025 disclosures?
How do Manulife and Sun Life compare in 2025 disclosures?
| Reporting year: 2025 | Manulife | Sun Life |
|---|---|---|
| Series | 61 | 48 |
| Numeric observations | 466 | 134 |
| Median (%) | 100 | 95 |
| Series with an observation ≥100% (%) | 64.3 | 54.5 |
| Reporting years recorded | 2025 | 2025 / 2022 / 2020 |
How do their savings and whole-life series compare in 2025?
How do their savings and whole-life series compare in 2025?
| Product type | Manulife: Series | Manulife: Median (%) | Manulife: Series with an observation ≥100% (%) | Sun Life: Series | Sun Life: Median (%) | Sun Life: Series with an observation ≥100% (%) |
|---|---|---|---|---|---|---|
| Savings (participating) | 0 | — | — | 5 | 100 | 100 |
| Whole life | 0 | — | — | 3 | 115 | 100 |
| Other catalogue types | 0 | — | — | 3 | 87 | 100 |
| Unclassified | 61 | 100 | 64.3 | 37 | 92 | 46.4 |
What do earlier reporting years show?
What do earlier reporting years show?
| Reporting year | Manulife: Series | Manulife: Median (%) | Sun Life: Series | Sun Life: Median (%) |
|---|---|---|---|---|
| 2025 | 61 | 100 | 48 | 95 |
| 2022 | — | — | 18 | 85 |
| 2020 | — | — | 7 | 96.8 |
Coverage differs by reporting year, so a change in the median can reflect which series were disclosed, not a change for any one policy. Open a series page for its own history.
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Other insurer pairs
Which insurers can I compare side by side?
- Manulife (International) Limited: fulfillment-ratio page
- Sun Life Hong Kong Limited: fulfillment-ratio page
- All insurers: fulfillment-ratio comparison
Side-by-side insurer comparisons
How are product types assigned?
How are product types assigned?
A series takes the product type of the catalogue product it is matched to: the product code published with the disclosure, or the same published name on the insurer’s own website. Series without a match, or matched to products of different types or without a recorded type, are counted as unclassified. Medians use every numeric cohort and component observation in 2025 with equal weight across currencies; the ≥100% share counts each series once if any observation reaches 100%.
What do these figures not show?
A ratio compares dividends or bonuses actually paid with the amounts illustrated at sale for one cohort and component. Past ratios do not predict future dividends, coverage differs by insurer and type, and these descriptive figures are not advice or an assessment of any insurer or plan.
Where do these figures come from?
Where do these figures come from?
GL16 / Source checked: