Fulfillment ratios by product type: savings vs whole life

Hong Kong Insurance Connect, for research and comparison only.In 2025 disclosures, 55 savings series had a median ratio of 100% and 25 whole-life series a median of 100%. 795 of 921 series are not matched to a catalogue product type and are listed as unclassified rather than guessed.Source: insurers’ published fulfillment-ratio disclosures under IA GL16, recorded here; sources checked 12 Oct 2026.

Last checked 12 Oct 2026

What do savings and whole-life series show in 2025?

What do savings and whole-life series show in 2025?
Product type	Insurers	Series	Numeric observations	Median (%)	Series with an observation ≥100% (%)
Savings (participating)	10	55	162	100	96.2
Whole life	13	25	146	100	100
Other catalogue types	11	46	161	100	100
Unclassified	21	795	3,645	97	58.1

How do each insurer’s savings and whole-life series compare in 2025?

Rows start A–Z by English insurer name. Select a column heading to sort by that figure; sorting only reorders the published figures and is not an assessment of any insurer or plan.

How do each insurer’s savings and whole-life series compare in 2025?
Insurer
AIA International Limited	6	100	100	2	100	100	5	62	90
AXA China Region Insurance Company Limited	7	100	83.3	3	100	100	6	32	100
BOC Group Life Assurance Company Limited	0	—	—	1	—	—	0	40	92
China Life Insurance (Overseas) Company Limited	0	—	—	1	—	—	4	95	79
China Pacific Life Insurance (H.K.) Company Limited	0	—	—	0	—	—	0	15	100
China Taiping Life Insurance (Hong Kong) Company Limited	5	100	100	1	100	100	5	44	100
Chubb Life Insurance Hong Kong Limited	0	—	—	0	—	—	0	44	94.5
CTF Life Insurance Company Limited	5	100	100	1	101	100	0	64	100
Fubon Life Insurance (Hong Kong) Company Limited	0	—	—	0	—	—	0	29	104
FWD Life (Hong Kong) Limited / FWD Life Assurance Company (Hong Kong) Limited	0	—	—	0	—	—	0	28	91
FWD Life Insurance Company (Bermuda) Limited	5	—	—	2	110	100	3	59	92
Generali Life (Hong Kong) Limited	0	—	—	0	—	—	2	15	100
Hang Seng Insurance Company Limited	0	—	—	0	—	—	0	29	100
Hong Kong Life Insurance Limited	6	100	100	3	100	100	0	25	99
HSBC Life (International) Limited	3	100	100	2	109	100	4	11	100
Manulife (International) Limited	0	—	—	0	—	—	0	61	100
Prudential Hong Kong Limited	9	94.5	100	2	—	—	5	64	74
Sun Life Hong Kong Limited	5	100	100	3	115	100	3	37	92
Well Link Life Insurance Company Limited	0	—	—	1	100	100	1	8	100
YF Life Insurance International Limited	4	—	—	3	100	100	8	29	100
Zurich Life Insurance (Hong Kong) Limited	0	—	—	0	—	—	0	4	78.2

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Which insurers can I compare side by side?

Side-by-side insurer comparisons

All insurers: fulfillment-ratio comparison

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?

GL16 / Source checked: 12 Oct 2026