i.PaySmart | FWD Life Insurance Company (Bermuda) Limited | 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.
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.
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Fulfillment ratio by issue year
Charts separate reporting year, currency and benefit label. Issue year identifies a policy cohort, not investment-return history.
Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.
Published observations
| Insurer / publisher | Product series | Currency | Issue / effective year | Published cohort / duration | Reporting year | Component | Published value | Source |
|---|---|---|---|---|---|---|---|---|
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2024 | Policy year 1 (Policies issued in 2024) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2023 | Policy year 2 (Policies issued in 2023) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2022 | Policy year 3 (Policies issued in 2022) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2021 | Policy year 4 (Policies issued in 2021) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2020 | Policy year 5 (Policies issued in 2020) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2019 | Policy year 6 (Policies issued in 2019) | 2025 | Annual Dividends | 85% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2018 | Policy year 7 (Policies issued in 2018) | 2025 | Annual Dividends | 90% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2017 | Policy year 8 (Policies issued in 2017) | 2025 | Annual Dividends | 91% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2016 | Policy year 9 (Policies issued in 2016) | 2025 | Annual Dividends | 86% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | 2015 | Policy year 10 (Policies issued in 2015) | 2025 | Annual Dividends | 90% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | US$ | — | Policy year 10+ (Policies issued in 2010- 2014) | 2025 | Annual Dividends | 91% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2024 | Policy year 1 (Policies issued in 2024) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2023 | Policy year 2 (Policies issued in 2023) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2022 | Policy year 3 (Policies issued in 2022) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2021 | Policy year 4 (Policies issued in 2021) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2020 | Policy year 5 (Policies issued in 2020) | 2025 | Annual Dividends | N/A (4) | Source__NEXT_DATA__ cs1c6c70d5a5617d13Published notes and source context(4) |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2019 | Policy year 6 (Policies issued in 2019) | 2025 | Annual Dividends | 85% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2018 | Policy year 7 (Policies issued in 2018) | 2025 | Annual Dividends | 92% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2017 | Policy year 8 (Policies issued in 2017) | 2025 | Annual Dividends | 91% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2016 | Policy year 9 (Policies issued in 2016) | 2025 | Annual Dividends | 86% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | 2015 | Policy year 10 (Policies issued in 2015) | 2025 | Annual Dividends | 89% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
| FWD Life Insurance Company (Bermuda) Limited | i.PaySmart | HK$ | — | Policy year 10+ (Policies issued in 2010- 2014) | 2025 | Annual Dividends | 89% | Source__NEXT_DATA__ cs1c6c70d5a5617d13 |
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Source
© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.
- fwd/2025-en_regulatory-disclosures_fulfillment-ratios_i-paysmart.html / __NEXT_DATA__ cs1c6c70d5a5617d13
Publication date: Not established / Source checked: 2026-10-11