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How the value of this kind of plan works

Read this before any illustration. It describes these plans in general; the policy contract decides.

Guaranteed part: The guaranteed cash value is in the contract. It is usually low in the early years and is the only part you can rely on.
Non-guaranteed part: Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early: Surrendering in the first years usually returns less than you paid. Find the break-even year in your own illustration first.
Currency: Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Field	Recorded information
Product category	Participating savings Source 3
Policy currencies	USD / HKD Source 3
Premium payment terms	Single premium 3 years Source 3
Benefit term	To age 130 Source 3
Issue ages & basis	15 days – 75 years / Age basis: Age last birthday Source 3
Recorded features	Guaranteed cash value Non-guaranteed reversionary and terminal bonuses Death benefit, subject to policy conditions Source 3
Sales status	On sale (at source date) Source 1