Income Goal Insurance Plan | HSBC Life (International) 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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Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link. © Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.
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 | 99% | Source · Checked on: 2026-10-11 |
| 2016 | 99% | Source · Checked on: 2026-10-11 |
| 2017 | 99% | Source · Checked on: 2026-10-11 |
| 2018 | 99% | Source · Checked on: 2026-10-11 |
| 2019 | 100% | Source · Checked on: 2026-10-11 |
| 2020 | 100% | Source · Checked on: 2026-10-11 |
| 2021 | 100% | Source · Checked on: 2026-10-11 |
| 2022 | 100% | Source · Checked on: 2026-10-11 |
| 2023 | 100% | Source · Checked on: 2026-10-11 |
Chart data and sources
| Issue year | Fulfillment ratio (%) | Source |
|---|---|---|
| 2015 | 100% | Source · Checked on: 2026-10-11 |
| 2016 | 100% | Source · Checked on: 2026-10-11 |
| 2017 | 100% | Source · Checked on: 2026-10-11 |
| 2018 | 100% | Source · Checked on: 2026-10-11 |
| 2019 | 100% | Source · Checked on: 2026-10-11 |
| 2020 | 100% | Source · Checked on: 2026-10-11 |
| 2021 | 100% | Source · Checked on: 2026-10-11 |
| 2022 | 100% | Source · Checked on: 2026-10-11 |
Chart data and sources
| Issue year | Fulfillment ratio (%) | Source |
|---|---|---|
| 2015 | 90% | Source · Checked on: 2026-10-11 |
| 2016 | 95% | Source · Checked on: 2026-10-11 |
| 2017 | 95% | Source · Checked on: 2026-10-11 |
| 2018 | 96% | Source · Checked on: 2026-10-11 |
| 2019 | 98% | Source · Checked on: 2026-10-11 |
| 2020 | 100% | Source · Checked on: 2026-10-11 |
| 2021 | 100% | Source · Checked on: 2026-10-11 |
| 2022 | 100% | Source · Checked on: 2026-10-11 |
Chart data and sources
| Issue year | Fulfillment ratio (%) | Source |
|---|---|---|
| 2015 | 90% | Source · Checked on: 2026-10-11 |
| 2016 | 96% | Source · Checked on: 2026-10-11 |
| 2017 | 96% | Source · Checked on: 2026-10-11 |
| 2018 | 94% | Source · Checked on: 2026-10-11 |
| 2019 | 96% | Source · Checked on: 2026-10-11 |
| 2020 | 100% | Source · Checked on: 2026-10-11 |
| 2021 | 100% | Source · Checked on: 2026-10-11 |
Published observations
| Insurer / publisher | Product series | Currency | Issue / effective year | Published cohort / duration | Reporting year | Component | Published value | Source |
|---|---|---|---|---|---|---|---|---|
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2024 | Policy effective in 2024 (Policy year 1) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | N/A (note 1.1) | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2023 | Policy effective in 2023 (Policy year 2) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2022 | Policy effective in 2022 (Policy year 3) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2021 | Policy effective in 2021 (Policy year 4) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2020 | Policy effective in 2020 (Policy year 5) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2019 | Policy effective in 2019 (Policy year 6) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2018 | Policy effective in 2018 (Policy year 7) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 99% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2017 | Policy effective in 2017 (Policy year 8) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 99% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2016 | Policy effective in 2016 (Policy year 9) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 99% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2015 | Policy effective in 2015 (Policy year 10) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 99% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | — | Policy effective before 2015 (Policy year10+) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 98% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2024 | Policy effective in 2024 (Policy year 1) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | N/A (note 1.1) | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2023 | Policy effective in 2023 (Policy year 2) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | N/A (note 1.1) | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2022 | Policy effective in 2022 (Policy year 3) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2021 | Policy effective in 2021 (Policy year 4) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2020 | Policy effective in 2020 (Policy year 5) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2019 | Policy effective in 2019 (Policy year 6) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2018 | Policy effective in 2018 (Policy year 7) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2017 | Policy effective in 2017 (Policy year 8) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2016 | Policy effective in 2016 (Policy year 9) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2015 | Policy effective in 2015 (Policy year 10) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | — | Policy effective before 2015 (Policy year10+) | 2025 | Fulfillment ratios for annual dividends - reporting year 2025 | 100% | Sourcetable 13 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2024 | Policy effective in 2024 (Policy year 1) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | N/A (note 1.3) | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2023 | Policy effective in 2023 (Policy year 2) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | N/A (note 1.3) | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2022 | Policy effective in 2022 (Policy year 3) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 100% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2021 | Policy effective in 2021 (Policy year 4) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 100% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2020 | Policy effective in 2020 (Policy year 5) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 100% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2019 | Policy effective in 2019 (Policy year 6) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 98% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2018 | Policy effective in 2018 (Policy year 7) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 96% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2017 | Policy effective in 2017 (Policy year 8) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 95% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2016 | Policy effective in 2016 (Policy year 9) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 95% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | 2015 | Policy effective in 2015 (Policy year 10) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 90% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | USD | — | Policy effective before 2015 (Policy year10+) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 90% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2024 | Policy effective in 2024 (Policy year 1) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | N/A (note 1.3) | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2023 | Policy effective in 2023 (Policy year 2) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | N/A (note 1.3) | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2022 | Policy effective in 2022 (Policy year 3) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | N/A (note 1.3) | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2021 | Policy effective in 2021 (Policy year 4) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 100% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2020 | Policy effective in 2020 (Policy year 5) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 100% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2019 | Policy effective in 2019 (Policy year 6) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 96% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2018 | Policy effective in 2018 (Policy year 7) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 94% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2017 | Policy effective in 2017 (Policy year 8) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 96% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2016 | Policy effective in 2016 (Policy year 9) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 96% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | 2015 | Policy effective in 2015 (Policy year 10) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 90% | Sourcetable 15 |
| HSBC Life (International) Limited | Income Goal Insurance Plan | HKD | — | Policy effective before 2015 (Policy year10+) | 2025 | Fulfillment ratios for special bonus - reporting year 2025 | 90% | Sourcetable 15 |
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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.
- hsbc-life/2025-misc_insurance_fulfillment-ratio_annuity.html / table 15
Publication date: Not established / Source checked: 2026-10-11