Z-Protect Pro Insurance | Generali Life (Hong Kong) 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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Published observations
| Insurer / publisher | Product series | Currency | Issue / effective year | Published cohort / duration | Reporting year | Component | Published value | Source |
|---|---|---|---|---|---|---|---|---|
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2024 | 2024 | 2025 | Terminal Dividend | N/A | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2023 | 2023 | 2025 | Terminal Dividend | N/A | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2022 | 2022 | 2025 | Terminal Dividend | N/A | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2021 | 2021 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2020 | 2020 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2019 | 2019 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2018 | 2018 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2017 | 2017 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2016 | 2016 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | 2015 | 2015 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
| Generali Life (Hong Kong) Limited | Z-Protect Pro Insurance | All | — | Before 2015 | 2025 | Terminal Dividend | Not yet launched | Source / Page 3Published notes and source contextPublished table names are retained. The product-name changes effective 1 October 2026 are listed on PDF page 2. Special/terminal dividend N/A can mean the benefit has not started or no relevant policy terminated or received it. The full insurer explanations accompanying these tables are on PDF pages 3-8; see the source document. Different products have different investment philosophies and risk exposures; past ratios do not indicate future performance. |
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Published notes and source context
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.
Source
© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.
- generali-life/2025-GLHKFulfillmentRatio2025R.pdf / Page 3
Publication date: 2026-03 / Source checked: 2026-10-11