Supreme Wealth Whole Life Plan

A comprehensive financial plan should not only enable you to enjoy reasonable returns for retirement life, children education funds or other financial objectives, but also provide a lifelong insurance protection. China Life Insurance (Overseas) Company Limited (“China Life (Overseas)”) specially introduces Supreme Wealth Whole Life Plan (the “Plan) that may be a desirable choice for you.

Key Benefits:

Flexible payment term to fit your needs

Guaranteed cash coupons to accumulate your wealth

Annual dividends give you flexibility

Maturity Benefit

Life Protection for Your Peace of Mind

Free Accidental Death Benefit

Flexible payment term to fit your needs
Four Premium payment terms are available for you. You can select the Premium payment terms of 5 years, 10 years, 15 years or 20 years according to your own financial status so as to achieve your financial goals easily1.

Guaranteed cash coupons to accumulate your wealth
The Plan provides you with guaranteed cash coupons at the 5th, 10th, 15th and 20th Policy Anniversaries and the total amount payable throughout the whole Policy term is equivalent to 100% of the Sum Assured. You may withdraw the guaranteed cash coupons or leave them in your Policy account to earn interest. The prevailing accumulation interest rate is 5.5% p.a. (non-guaranteed)2,3.

Premium Payment Term

(Year)

Cash Coupon Amount (based on the Sum Assured) / Policy Anniversary

5th Year 10th Year 15th Year 20th Year
5 50% 50% N/A N/A
10 35% 65% N/A N/A
15 25% 25% 50% N/A
20 15% 15% 15% 55%

 

Annual dividends give you flexibility
In addition to the guaranteed cash coupons and life protection, you can also receive the annual dividends3 (non-guaranteed) which are distributed by China Life (Overseas) on each Policy Anniversary whilst the Policy is in force. You can choose to receive the annual dividends3 (non-guaranteed) in cash or accumulate in your Policy account to earn interest until Policy Maturity. The prevailing accumulation interest rate is 5.5% p.a. (non-guaranteed)2,3.

Maturity Benefit
The Plan offers protection till age 100 of the Insured. You can receive a maturity benefit equivalent to Sum Assured, accumulated cash coupons with interest (if any) and accumulated dividends with interest (if any), less all Policy Indebtedness (if any) upon Policy Maturity.

Life Protection for Your Peace of Mind
In the unfortunate event of the death of the Insured while the Policy is in force, death benefit payable to Beneficiary will be equivalent to:
Sum Assured or the guaranteed Cash Value at the date of death of the Insured or accumulated Premium due and received less cash coupons paid (whichever is higher) + accumulated cash coupons with interest (if any) + accumulated dividends with interest (if any) - Indebtedness (if any).

Free Accidental Death Benefit
Within the Premium payment period, the Plan provides free accidental death benefit equivalent to the Sum Assured (with a maximum amount of up to HKD 2,000,000 / MOP 2,000,000 / USD 250,000). The accidental death benefit is only applicable to the Insured with issue age from 6 to 60 and the Insured is required to fulfill the designated occupation class and the relevant conditions. For exclusions of this benefit, please refer to the Policy Provisions.

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Enrolment Terms

Issue Age From 15 days after birth to 70 years old
Policy Currency HKD, MOP or USD
Policy Term Up to age 100 of the Insured
Premium Payment Term 5 years, 10 years, 15 years or 20 years
Premium Payment Method Annually, semi-annually, quarterly, monthly
Minimum Sum Assured HKD 80,000, MOP 80,000 or USD 10,000
Maximum Sum Assured HKD 10,000,000, MOP 10,000,000 or USD 1,250,000

 

Notes

  1. Terminal dividend (non-guaranteed) will be distributed in a one-time sum and is not attached to the plan permanently. Terminal dividend may become zero in some circumstances. The payment amount due to surrender will be lower than other cases.
     
  2. The “critical illness benefit will be paid to the Insured who is still alive within 14 days from the date of diagnosis (both dates inclusive). If the Insured who is still alive has not reached age 18, the “critical illness” benefit will be paid to the policyholder. Upon any claim paid for the “Critical Illness” benefit:  (1)  if the “Critical Illness” benefit is paid for “Critical Illnesses” except cancer, this Policy shall then be terminated; or  (2) if the “Critical Illness” benefit is paid for Cancer: (i) undue Premiums of the Basic Plan can be waived afterwards. Premium should continuously be paid during the claim procedure until the claim is approved by the Company. The waiver of premium will be exercised regards to the Premium payment mode of this Policy (i.e. in monthly, quarterly, semi-annually or annually); (ii) liability of this policy is limited to the multiple cancer benefit only and the maturity benefit, death benefit, accidental death benefit, Cash Coupon, "special diseases" benefit, “critical illness” benefit shall cease afterwards; and (iii) the Sum Assured, the Premium and the Cash Value of this Policy and the attached riders (if any) shall be reduced to zero after the “critical illness” benefit is paid.
  1. The maximum number of claims for group 1 is 2 times.  However, the 2nd claim for Carcinoma-in-situ should be for a different organ from the 1st claim.   If the Insured is covered under this plan and its rider(s) and same benefit underwritten by the Company, the Insured will receive the highest amount of the compensation for this benefit among all these plans (whichever is higher).
     
  2. After the "critical illness" benefit is paid, if the next cancer is diagnosed by a registered doctor and is confirmed it is under the "critical illnesses", in which this cancer is diagnosed at least 3 years (the beginning and ending dates inclusive) after the 1st claim of cancer and under one of the following conditions for compensation: (a) a new cancer that has not been previously associated with the claimed cancer; or (b) a relapsed cancer or metastatic cancer that has previously been claimed; or (c) a cancer that has previously been claimed and the Insured has received or is undergoing a medical treatment necessary and active treatment between the previous cancer and the subsequent diagnosis date between the cancer and subsequent cancer (the beginning and ending dates inclusive).  Regarding to Multiple Cancer Benefit, Insured is required to be still alive within 14 days from the date of diagnosis (both dates inclusive) of cancer.
     
  3. The customer may withdraw the distributed guaranteed Cash Coupons at any time where withdrawal charge will not be applied.  However, the account value and death benefit may be affected in case of withdrawal.
     
  4. If the Insured suffers from Accidental injury caused by an Accident, and dies from the Accidental injury within 180 days from the date of the occurrence of the Accidental injury (both dates inclusive).
     
  5. The 2nd medical opinion is provided by third party supplier(s) Mediguide appointed by China Life (Overseas). China Life (Overseas) is not the service provider, and is not liable for the service quality provided. China Life (Overseas) reserves the right to amend the terms and conditions thereof from time to time without prior notice
     
  6. 24-hour Worldwide Emergency Assistance Service is provided by Inter Partner Assistance Hong Kong Limited. The provision of services is subject to the terms and conditions of the Inter Partner Assistance Hong Kong Limited. China Life (Overseas) reserves the right to amend the terms and conditions thereof from time to time without prior notice.
     
  7. A policy fee of HKD200/MOP200/USD25 (depending on Policy currency) will be charged during the Premium payment term. The fee will be charged together with the Premium.
     
  8. If customers opt for the Annual and Prepayment of Premium, they can withdraw the unused prepaid Premium (including interest, if any) at one time and China Life (Overseas) will charge 2% of the withdrawal amount as withdrawal fee. The minimum fee will be HKD100 or MOP100 or USD12.5. Customers can withdraw the unused prepaid Premium once only.

Important Information:

This product brochure is for reference only. Please refer to the Policy documents for the complete definitions of the capitalised terms, as well as all the terms and conditions of this product. You are reminded to review all of the relevant product materials provided to you and to seek independent professional advice if necessary.

 

  1. The Policy is underwritten by China Life Insurance (Overseas) Company Limited (“China Life (Overseas)” or "us/we/our"). China Life (Overseas) is responsible for the features, underwriting and benefit payments under the Policy. You should fully understand all of the risks involved in this product and consider whether this product is affordable and suitable to you before making your application.

 

  1. China Life (Overseas) shall make the final decisions on the underwriting and claims. We shall rely on your submitted information to assess whether to accept or decline your application, and shall refund any Premium paid without interest for declined cases.

 

  1. Exclusions and Limitations - The information stated in this product brochure is for reference only. Please refer to the General Provisions for the exact terms and conditions and limitations such as incontestability, suicide and fraud etc. or all exclusions.

 

  1. Non-Payment of Premium / Automatic Premium Loan - You should pay Premiums on time according to the selected Premium payment schedule. If the due Premium remains unpaid upon the expiry of the Grace Period, an Automatic Premium Loan will be taken out against the Policy to settle the unpaid Premium automatically. All Policy Loans are interest-bearing and calculated at a rate (as stated on our corporate website www.chinalife.com.hk) to be declared by us from time to time. Interest accrued shall become a part of the Indebtedness. When the loan balance exceeds the guaranteed Cash Value of the basic plan of the Policy, the Policy will be lapsed and you will lose the related insurance coverage and suffer a financial loss. Under these circumstances, the Surrender Value of the Policy will be deducted to repay the outstanding loan balance (including interest), and the remaining value will be refunded to you.

 

  1. Dividend and / or Crediting Interest Philosophy - This is a participating and / or providing interest on accumulation insurance plan. Premiums received from the policies will be invested to a variety of assets according to China Life (Overseas)’s investment strategy. The surplus from the invested assets will be shared with Policyholder through declared dividends and / or interest rate on accumulation in accordance with the relevant clause in the benefit provision. China Life (Overseas) will ensure a fair sharing of profits among different groups of policyholders and also between policyholders and China Life (Overseas). China Life (Overseas) will review and determine the dividend and / or interest rate on accumulation at least once a year, the current projection on dividend and / or interest rate on accumulation are not guaranteed and subject to change with the entire performance of the relevant policies and the factor including but not limited to the investment returns, operating expense, claims experience, commission, persistency, past experience and future prospect. In addition, China Life (Overseas) will consider both past and future outlooks of all factors including but not limited to:

Claims – include the costs of providing death benefit as well as other benefits under the product(s).

Investment return – including the interest income, dividend income, outlook of interest rates and any changes in the market value of the product’s backing asset.

Expenses – including both direct expenses (e.g. commissions, underwriting, issue and premium collection expenses) and indirect expenses (e.g. general overhead expenses) related to the product.

Persistency – including policy lapse and partial surrender experience.

 

Note: The dividend or interest rate history is not an indicator of the future performance of this product.

 

  1. Investment Philosophy, Policy and Strategy - China Life (Overseas) aims to strive for minimizing volatility of the investment return and provides stable return as our investment philosophy. Assets are mainly invested in bonds and other fixed income instruments, such as government and corporate bonds and other fixed income instruments to support the guaranteed financial obligation. To enhance the performance of the investment portfolio, China Life (Overseas) invests in equity-type investments and other investment instruments such as mutual funds and direct / indirect investment in properties or commercial institutions.

 

The investment portfolio will be diversified across different geographic regions and / or industries. Investment strategy will be subject to change depending on the market conditions and the economic outlook. China Life (Overseas) will inform Policyholder the relevant changes in dividend and / or interest rate on accumulation and the impact to the policies when there is change in the investment strategy.

 

 

China Life (Overseas)’s current investment strategy on participating and / or providing interest on accumulation plans are as follow:

Asset Type

Target Asset Mix (%)

Bonds and other fixed income instruments

50% to 90%

Equity-type investment and other investments

10% to 50%

 

Please refer to China Life (Overseas) Company’s website www.chinalife.com.hk/products/dividendandinvestment for dividend history, Dividend and/or Crediting Interest Philosophy, Investment Philosophy, Policy and Strategy, as well as the fulfillment ratio of China Life (Overseas).

 

  1. Cooling-off Right - You have the right to cancel the Policy within the Cooling-off Period and obtain a refund of any Premiums paid by giving written notice to us provided that you have not made any claims under the Policy. Such notice must be signed by you and submitted to China Life (Overseas) at Alameda Dr. Carlos D’Assumpcao No. 263, 22 Andar A, B, K – P, Edif. China Civil Plaza, Macau within 21 days after the delivery of the Policy or issue of a Notice to you or your representative informing you that the Policy is available, whichever is earlier.

 

What are the key product risks?

Credit risk:

This product is a life insurance Policy issued by China Life (Overseas). Any Premium paid will become part of our assets and our financial strength will affect our ability to meet our contractual obligations to you under the Policy. Therefore this product is subject to our credit risk.

 

Early surrender risk:

The savings component of the Plan is subject to risks and possible losses. Should you surrender the Policy early, you may receive an amount considerably less than the total amount of Premiums paid.

 

Exchange rate and Currency risks:

Any Policy with foreign currencies involves risks, such as potential changes in political or economic conditions that may substantially affect the price or liquidity of a currency. The fluctuations in exchange rates may also cause financial losses to you during currency conversions. You should consider the potential currency and exchange rate risks before deciding which Policy currency you should take.

 

Inflation risk:

The cost of living in the future may be higher than expected due to the effects of inflation. Therefore, your current planned benefits and / or returns maybe insufficient to meet your future needs even if we fulfill all of our contractual terms and obligations.

 

Liquidity and Withdrawal risk:

You are obliged to hold the Policy and pay the Premium for the designated period of time. If you terminate the Policy prior to the Policy Maturity Date, you will suffer a financial loss. In case you make partial withdrawals from the Policy, your account value, death benefit and other Policy values will be reduced, and you may need to pay the relevant handling fee or charges (if any).

 

Non-guaranteed Benefit:

This Plan consists of non-guaranteed benefits and / or returns. The actual amounts of benefits and / or returns in the future may be different from the benefits and / or returns which project on the product materials. The product materials are for illustrative purposes only.

 

Policy Termination:

The Policy will be terminated if (a) the Insured passes away, (b) you do not pay the Premium within 31 days of the due date and the Policy has no Cash Value, or (c) the outstanding loan amount is equal to or exceeds the guaranteed Cash Value of the Policy.

 

 

This product brochure is for reference only and contains descriptions of the key features of this product. For all the terms and conditions and exclusions of this product, please refer to the policy documents of this product. In the event of any ambiguity or inconsistency between the terms of this brochure and the policy documents, the Chinese version of the policy documents shall prevail.

 

 

This product brochure is for distribution in Macau only and shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Macau. China Life Insurance (Overseas) Company Limited ("China Life (Overseas)") does not provide or offer to sell any insurance product outside Macau. The above information is for reference only. The detailed terms, conditions and exclusions of the Plan are subject to the terms and conditions of the policy contract of the Plan. For a copy of the terms and conditions of the policy contract, please contact China Life (Overseas) for enquiry.

 

China Life Insurance (Overseas) Company Limited

 

Address: Alameda Dr. Carlos D’Assumpcao No. 263, 22 Andar A, B, K – P, Edif. China Civil Plaza, Macau

Email: pos_mo@chinalife.com.hk

Customer Service Hotline: 285 95519

Website: www.chinalife.com.hk

 

China Life Insurance (Overseas) Company Limited (incorporated in the People's Republic of China with limited liability)

 

059C061C063C065C_201905

Dividend Philosophy and Investment Strategy

Dividend and Crediting Interest Philosophy

If it is a participating and/or providing interest on accumulation insurance plan, Premiums received from the policies will be invested to a variety of assets according to the Company's investment strategy. The surplus from the invested assets will be shared with Policyholder through declared dividends and/or interest rate on accumulation in accordance with the relevant clause in the benefit provision. The Company will ensure a fair sharing of profits among different groups of policyholders and also between policyholders and the Company. The Company will review and determine the dividend and/or interest rate on accumulation at least once a year, the current projection on dividend and/or interest rate on accumulation are not guaranteed and subject to change with the entire performance of the relevant policies and the factor including but not limited to the investment returns, operating expense, claims experience, commission, persistency, past experience and future prospect.

The Company has established a Participating Insurance Business Management Committee, which has been authorized by the Board (comprising one or more Independent Non-Executive Directors) to conduct regular evaluations on dividend policies, and to independently review and determine the profit sharing plan of the current year as recommended by the Appointed Actuary.

Investment Philosophy, Policy and Strategy

The Company aims to strive for minimizing volatility of the investment return and provides stable return as our investment philosophy. Assets are mainly invested in bonds and other fixed income instruments, such as government and corporate bonds and other fixed income instruments to support the guaranteed financial obligation. To enhance the performance of the investment portfolio, the Company invests in equity-type investments and other investment instruments such as mutual funds and direct/indirect investment in properties or commercial institutions.

The investment portfolio will be diversified across different geographic regions and/or industries. Investment strategy will be subject to change depending on the market conditions and the economic outlook. The Company will inform Policyholder the relevant changes in dividend and/or interest rate on accumulation and the impact to the policies when there is change in the investment strategy.

The Company’s current investment strategy on participating and/or providing interest on accumulation plans are as follow:

Asset type Target Asset Mix(%
Bonds and other fixed income instruments 50% to 90%
Equity-type investment and other investments 10% to 50%

Fulfillment Ratios for Dividends and Interests

Reporting year: 2018

The following table shows the fulfillment ratios of non-guaranteed annual dividends and accumulated interests for each of the product series which has new policies issued starting from 2012.

Fulfillment ratio calculation for annual dividends

The fulfillment ratio for annual dividends is calculated as the ratio of aggregate actual accumulated non-guaranteed annual dividends, including actual dividend accumulation interests, against the illustrated amounts at the point of sale for all relevant in force policies in the reporting year.

Fulfillment ratio calculation for accumulated interests

The fulfillment ratio for accumulated interests is calculated as the ratio of actual interests accumulated on cash coupons against the illustrated amounts at the point of sale for all relevant in force policies in the reporting year.


The information are intended for reference only and should not be taken as an indicator of future dividends and interests declaration of the products. The fulfillment ratio is the average ratios calculated for all relevant policies under the respective product series, which may not reflect the circumstances of any individual policy.

1) Participating Plans – with Annual Dividend

Product type: Participating endowment

10-Year RMB Savings Insurance Plan

Applicable to RMB plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% NA NA NA NA 100%

5-Year Treasure Plan (2010S)

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA 100% 100% NA NA NA

5-Year Treasure Plan (2010)

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA 100% 100% 100% NA NA

6-Year Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA 100% 100% 100% 100% NA

Enhanced 5-Year Endowment

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA NA 100% 100% NA NA

Prosperous 18 Education Saving Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

6-Year Pay 12-Year Saving Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% NA 100% NA

Long Life and Harvest Year Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA 100% 100% 100% NA NA

Endowment 65 (Annuity Version)

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Wealth Grower Guaranteed Annuity Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA NA NA NA NA NA

8-Year Saver Endowment Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% NA NA NA NA NA

Enjoyable Life Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% NA NA 100% 100%

Wonderful Life Education Savings Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Golden Age Retirement Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 1

(2016)

Policy year 2

(2015)

Policy year 3

(2014)

Policy year 4

(2013)

Policy year 5

(2012)

100% 100% 100% 100% 100% 100%

Product type: Participating whole life

Guardian Critical Illness Whole Life Insurance

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% NA

Yearly Reward Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA NA NA NA NA NA


Successful Life Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% NA NA NA

Noble Life Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% NA NA NA

Supreme Wealth Whole Life Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Perfect Wealth Whole Life Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Time Lady Protection Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% NA 100% 100% 100% 100%

Healthguard Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Rainbow Age Whole Life Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

18-Year Pay Whole Life Insurance

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Prosperous Life Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% NA 100% NA 100% 100%

Peaceful Age Whole Life Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Safeguard Tomorrow Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% 100% 100% 100%

Critical Illness Guardian Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% NA NA NA NA NA

Product type: Participating annuity


Relaxful Age Insurance Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

100% 100% 100% NA NA 100%

2) Plans with Accumulated Interest

Product type: Annuity


15-Year Guaranteed Annuity Plan

Applicable to all currencies under the plan

Policy year 1

(2017)

Policy year 2

(2016)

Policy year 3

(2015)

Policy year 4

(2014)

Policy year 5

(2013)

Policy year 6

(2012)

NA 100% 100% 100% 100% 100%

Note for fulfillment ratios:

Fulfillment ratios may not be applicable due to one or more of the following reason(s):

1) There is no relevant policy with the respective policy year as of current reporting year.

2) The amount of accumulated non-guaranteed annual dividends and accumulated interests at the point of sale up to the respective policy year as of current reporting year is zero for the relevant policies.