Perfect 10 Whole Life Protector | Hong Kong Life Insurance Limited | Fulfillment ratios
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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.
Chart data and sources
| Issue year | Fulfillment ratio (%) | Source |
|---|---|---|
| 2015 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2016 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2017 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2018 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2019 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2020 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2021 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2022 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2023 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2024 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
Chart data and sources
| Issue year | Fulfillment ratio (%) | Source |
|---|---|---|
| 2015 | 98% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2016 | 99% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2017 | 99% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2018 | 99% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2019 | 99% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2020 | 99% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2021 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2022 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2023 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| 2024 | 100% | Source · Checked on: 2026-10-12 Partial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
Published observations
| Insurer / publisher | Product series | Currency | Issue / effective year | Published cohort / duration | Reporting year | Component | Published value | Source |
|---|---|---|---|---|---|---|---|---|
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2024 | Policy Year 1 (Policy issued in 2024) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2023 | Policy Year 2 (Policy issued in 2023) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2022 | Policy Year 3 (Policy issued in 2022) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2021 | Policy Year 4 (Policy issued in 2021) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2020 | Policy Year 5 (Policy issued in 2020) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2019 | Policy Year 6 (Policy issued in 2019) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2018 | Policy Year 7 (Policy issued in 2018) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2017 | Policy Year 8 (Policy issued in 2017) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2016 | Policy Year 9 (Policy issued in 2016) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | 2015 | Policy Year 10 (Policy issued in 2015) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | HKD | — | Policy Year 10+ (Policy issued in 2010-2014) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 71% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2024 | Policy Year 1 (Policy issued in 2024) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2023 | Policy Year 2 (Policy issued in 2023) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2022 | Policy Year 3 (Policy issued in 2022) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2021 | Policy Year 4 (Policy issued in 2021) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 100% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2020 | Policy Year 5 (Policy issued in 2020) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 99% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2019 | Policy Year 6 (Policy issued in 2019) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 99% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2018 | Policy Year 7 (Policy issued in 2018) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 99% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2017 | Policy Year 8 (Policy issued in 2017) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 99% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2016 | Policy Year 9 (Policy issued in 2016) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 99% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | 2015 | Policy Year 10 (Policy issued in 2015) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 98% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
| Hong Kong Life Insurance Limited | Perfect 10 Whole Life Protector | USD | — | Policy Year 10+ (Policy issued in 2010-2014) | 2025 | annual dividends, special dividend and non-guaranteed monthly incomes | 90% | Sourcetable 1Published notes and source contextPartial disclosure: the separately headed terminal-dividend table has conflicting reporting-year labels. The published combined annual/special-dividend/monthly-income label is not split into invented measures. |
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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.
- hong-kong-life/2025-hong-kong-life-partial-reconciled.html / table 1
Publication date: Not established / Source checked: 2026-10-12