UNIVERSAL LIFE CREDITING INTEREST RATE

MaxiGrowth ULife Insurance Plan

Crediting Interest Rate

Policy
Application Date
Policy Currency Minimum Crediting
Interest Rate (p.a.)
Declared Crediting Interest Rate
Applicable on Anniversary (p.a.)
1st Policy Year 2nd to 5th Policy Year 6th to 10th Policy Year 11th to 20th Policy Year 1st Policy Year 2nd Policy Year
and Thereafter
From 5 Jun 2017 RMB 4.00% 3.40% 2.50% 1.25% 4.00% 3.40%
HKD 3.75% 3.15% 2.25% 1.00% 3.75% 3.15%
USD 4.00% 3.40% 2.50% 1.25% 4.00% 3.40%

Updated on 5 Jun 2017 (Hong Kong Time)

Remarks :

  1. The daily interest to be credited to the Account Value when the Policy of MaxiGrowth ULife Insurance Plan is in-force shall be calculated based on the Minimum Crediting Interest Rate. At the end of each Policy Anniversary, BOC Life shall calculate the amount of interest difference between interest calculated based on declared Crediting Interest Rate at that Policy Anniversary and interest calculated based on Minimum Crediting Interest Rate within that Policy Year and credit the amount of interest difference to the Account Value.
  2. Declared Crediting Interest Rate can be changed from time to time and will be subject to the prevailing declared crediting interest rate upon policy anniversary. BOC Life reserved the rights to revise the Minimum Crediting Interest Rate at the 20th policy anniversary and every 10th policy anniversary thereafter.

MaxiWealth ULife Insurance Plan

Crediting Interest Rate

Policy
Application Date
Policy Currency Minimum Crediting
Interest Rate (p.a.)
Declared Crediting Interest Rate
Applicable on Anniversary (p.a.)
1st Policy Year 2nd Policy Year 3rd to 5th Policy Year 6th to 10th Policy Year 1st Policy Year 2nd Policy Year
and Thereafter
From 5 Oct 2016# RMB# 4.50% 3.50% 2.50% 2.50% 4.50% 3.50%
HKD 3.75% 3.00% 2.00% 2.00% 3.75% 3.00%
USD 4.00% 3.25% 2.25% 2.25% 4.00% 3.25%
From 20 Mar 2017
to 14 Jun 2017
RMB 4.50% 4.00% 4.00% 2.50% 4.50% 4.00%
From 2 Jan 2016
to 4 Oct 2016*
RMB 4.50% 3.50% 2.50% 2.50% 4.50% 3.50%
HKD 4.00% 3.15% 2.00% 2.00% 4.00% 3.15%
USD* 4.25% 3.40% 2.25% 2.25% 4.25% 3.40%
From 6 Jul 2016
to 31 Aug 2016
USD 4.25% 3.40% 3.00% 2.25% 4.25% 3.40%

Updated on 15 Jun 2017 (Hong Kong Time)

# RMB policy with application date between 20 Mar 2017 and 14 Jun 2017 are excluded
* USD policy with application date between 6 Jul 2016 and 31 Aug 2016 are excluded

Remarks :

  1. The daily interest to be credited to the Account Value when the Policy of MaxiWealth ULife Insurance Plan is in-force shall be calculated based on the Minimum Crediting Interest Rate. On each Policy Anniversary, BOC Group Life Assurance Company Limited shall calculate the amount of interest difference between interest calculated based on declared Crediting Interest Rate at that Policy Anniversary and interest calculated based on Minimum Crediting Interest Rate within that Policy Year and credit the amount of interest difference to the Account Value.
  2. Declared Crediting Interest Rate can be changed from time to time and will be subject to the prevailing declared crediting interest rate upon policy anniversary. BOC Group Life Assurance Company Limited reserved the rights to revise the Minimum Crediting Interest Rate at every 10th policy anniversary.

RMB ULife Insurance Plan II

Crediting Interest Rate

Policy Application Date Policy Currency Minimum Crediting
Interest Rate (p.a.)
Declared Crediting Interest Rate
Applicable on Anniversary (p.a.)
1st Policy Year 2nd Policy Year 3rd to 10th Policy Year 1st Policy Year 2nd Policy Year 3rd
Policy
Year
and
Thereafter
From
14 Sep
2015
RMB 4.50% 3.50% 2.50% 4.50% 3.50% 3.50%

Updated on 28 Jun 2016 (Hong Kong Time)

Remarks:

  1. The daily interest to be credited to the Account Value when the Policy of RMB ULife Insurance Plan II is in-force shall be calculated based on the Minimum Crediting Interest Rate. On each Policy Anniversary, BOC Group Life Assurance Company Limited shall calculate the amount of interest difference between interest calculated based on declared Crediting Interest Rate at that Policy Anniversary and interest calculated based on Minimum Crediting Interest Rate within that Policy Year and credit the amount of interest difference to the Account Value.
  2. Declared Crediting Interest Rate can be changed from time to time and will be subject to the prevailing declared crediting interest rate upon policy anniversary. BOC Group Life Assurance Company Limited reserved the rights to revise the Minimum Crediting Interest Rate at every 10th policy anniversary.

UltiChoice ULife Insurance Plan II

Crediting Interest Rate

Policy Application Date Policy Currency Minimum Crediting Interest Rate (p.a.) Declared Crediting Interest Rate Applicable on Anniversary
(p.a.)
1st Policy Year 2nd Policy Year 3rd to 10th
Policy
Year
1st Policy Year 2nd Policy Year 3rd
Policy Year
and Thereafter
From 14 Sep 2015 HKD 4.00% 3.15% 2.00% 4.00% 3.15% 3.15%
USD 4.25% 3.40% 2.25% 4.25% 3.40% 3.40%

Updated on 28 Jun 2016 (Hong Kong Time)

Remarks:

  1. The daily interest to be credited to the Account Value when the Policy of UltiChoice ULife Insurance Plan II is in-force shall be calculated based on the Minimum Crediting Interest Rate. On each Policy Anniversary, BOC Group Life Assurance Company Limited shall calculate the amount of interest difference between interest calculated based on declared Crediting Interest Rate at that Policy Anniversary and interest calculated based on Minimum Crediting Interest Rate within that Policy Year and credit the amount of interest difference to the Account Value.
  2. Declared Crediting Interest Rate can be changed from time to time and will be subject to the prevailing declared crediting interest rate upon policy anniversary. BOC Group Life Assurance Company Limited reserved the rights to revise the Minimum Crediting Interest Rate at every 10th policy anniversary.

RMB Universal Life Insurance Plan

Crediting Interest Rate

Policy
Application Date
Policy Currency Minimum Crediting Interest Rate* (p.a.) Declared Crediting Interest Rate (p.a.)
From To 1st
Policy Year
2nd
Policy Year
3rd to 10th
Policy Year
Crediting Interest Rate
(p.a.)
22 Dec 2014 12 Sep 2015 RMB 4.50% 3.50% 2.50% 3.50%
7 Oct 2013 20 Dec 2014 RMB 4.00% 3.58% 2.50% 3.58%
3 Oct 2012 5 Oct 2013 RMB 4.00% 4.00% 2.50% 3.58%
13 Jul 2011 2 Oct 2012 RMB 2.50% 2.50% 2.50% 3.58%

Updated on 1 Nov 2016 (Hong Kong Time)

* BOC Life reserved the right to review the Minimum Crediting Interest Rate on every 10th policy anniversary.

UltiChoice Universal Life Insurance Plan

Crediting Interest Rate

Policy Application Date Policy Currency Minimum Crediting Interest Rate* (p.a.) Declared Crediting
Interest Rate (p.a.)
From To 1st Policy Year 2nd Policy Year 3rd to 10th Policy Year Crediting
Interest Rate
(p.a.)
9 Feb 2015 12 Sep 2015 HKD 4.00% 3.15% 2.00% 3.15%
USD 4.25% 3.40% 2.25% 3.40%
7 Oct 2013 8 Feb 2015 HKD 3.40% 3.25% 2.00% 3.15%
USD 3.65% 3.50% 2.25% 3.40%
2 Jul 2013 5 Oct 2013 HKD 3.25% 2.00% 2.00% 3.15%
USD 3.50% 2.25% 2.25% 3.40%
4 Jan 2013 29 Jun 2013 HKD 2.00% 2.00% 2.00% 3.15%
USD 2.25% 2.25% 2.25% 3.40%

Updated on 1 Mar 2017 (Hong Kong Time)

* BOC Life reserved the right to review the Minimum Crediting Interest Rate on every 10th policy anniversary.

Wealth Conquer ULife Insurance Plan II

Crediting Interest Rate

Policy Application Date Policy Currency Minimum Crediting
Interest Rate (p.a.)
Declared Crediting Interest Rate
Applicable on Anniversary (p.a.)
From To 1st Policy Year 2nd Policy Year 3rd to 10th Policy Year 1st
Policy
Year
2nd
Policy
Year
3rd
Policy
Year
and
Thereafter
From
7 Dec 2015
RMB 4.50% 3.50% 2.50% 4.50% 3.50% 3.50%
HKD 4.00% 3.15% 2.00% 4.00% 3.15% 3.15%
USD 4.25% 3.40% 2.25% 4.25% 3.40% 3.40%
5 Jan
2015
6 Dec
2015
RMB 4.50% 3.50% 2.50% 4.50% 3.50% 3.50%
HKD 3.40% 3.15% 2.00% 3.40% 3.15% 3.15%
USD 3.65% 3.40% 2.25% 3.65% 3.40% 3.40%

Updated on 28 Jun 2016 (Hong Kong Time)

Remarks:

  1. The daily interest to be credited to the Account Value when the Policy of Wealth Conquer ULife Insurance Plan II is in-force shall be calculated based on the Minimum Crediting Interest Rate. On each Policy Anniversary, BOC Group Life Assurance Company Limited shall calculate the amount of interest difference between interest calculated based on declared Crediting Interest Rate at that Policy Anniversary and interest calculated based on Minimum Crediting Interest Rate within that Policy Year and credit the amount of interest difference to the Account Value.
  2. Declared Crediting Interest Rate can be changed from time to time and will be subject to the prevailing declared crediting interest rate upon policy anniversary. BOC Group Life Assurance Company Limited reserved the rights to revise the Minimum Crediting Interest Rate at every 10th policy anniversary.

FinancialGuard ULife Insurance Plan II

Crediting Interest Rate

Policy Application Date Policy Currency Minimum Crediting Interest Rate (p.a.) Declared Crediting Interest Rate Applicable on Anniversary
(p.a.)
From To 1st Policy Year 2nd Policy year 3rd to 10th Policy Year 1st Policy Year 2nd Policy Year 3rd
Policy Year
and Thereafter
From 7 Dec 2015 RMB 4.50% 3.50% 2.50% 4.50% 3.50% 3.50%
HKD 4.00% 3.15% 2.00% 4.00% 3.15% 3.15%
USD 4.25% 3.40% 2.25% 4.25% 3.40% 3.40%
5 Jan 2015 6 Dec 2015 RMB 4.50% 3.50% 2.50% 4.50% 3.50% 3.50%
HKD 3.40% 3.25% 2.00% 3.40% 3.25% 3.15%
USD 3.65% 3.50% 2.25% 3.65% 3.50% 3.40%

Updated on 28 Jun 2016 (Hong Kong Time)

Remarks:

  1. The daily interest to be credited to the Account Value when the Policy of FinancialGuard ULife Insurance Plan II is in-force shall be calculated based on the Minimum Crediting Interest Rate. On each Policy Anniversary, BOC Group Life Assurance Company Limited shall calculate the amount of interest difference between interest calculated based on declared Crediting Interest Rate at that Policy Anniversary and interest calculated based on Minimum Crediting Interest Rate within that Policy Year and credit the amount of interest difference to the Account Value.
  2. Declared Crediting Interest Rate can be changed from time to time and will be subject to the prevailing declared crediting interest rate upon policy anniversary. BOC Group Life Assurance Company Limited reserved the rights to revise the Minimum Crediting Interest Rate at every 10th policy anniversary.

Wealth Conquer ULife Insurance Plan

Crediting Interest Rate

Policy Application Date Policy Currency Minimum Crediting Interest Rate* (p.a.) Declared Crediting
Interest Rate (p.a.)
From To 1st Policy Year 2nd Policy Year 3rd to 10th Policy Year Crediting
Interest Rate (p.a.)
11 Aug 2014 4 Jan 2015 RMB 4.00% 3.58% 2.50% 3.58%
1 Apr 2014 10 Aug 2014 RMB 4.00% 3.58% 2.50% 3.58%
2 Jan 2014 31 Mar 2014 RMB 4.00% 3.58% 2.50% 3.58%
7 Oct 2013 31 Dec 2013 RMB 4.00% 4.00% 2.50% 3.58%
2 Jul 2013 5 Oct 2013 RMB 4.00% 4.00% 2.50% 3.58%
9 Apr 2013 29 Jun 2013 RMB 4.00% 4.00% 2.50% 3.58%

Updated on 28 Jun 2016 (Hong Kong Time)

* BOC Life reserved the right to review the Minimum Crediting Interest Rate on every 10th policy anniversary.

FinancialGuard ULife Insurance Plan

Crediting Interest Rate

Policy Application Date Policy Currency Minimum Crediting Interest Rate* (p.a.) Declared Crediting
Interest Rate
(p.a.)
From To 1st
Policy
Year
2nd
Policy
Year
3rd to 10th
Policy
Year
Crediting
Interest Rate
(p.a.)
11 Aug 2014 4 Jan 2015 RMB 4.00% 3.58% 2.50% 3.58%
HKD 3.40% 3.25% 2.00% 3.15%
USD 3.65% 3.50% 2.25% 3.40%
1 Apr 2014 10 Aug 2014 RMB 4.00% 3.58% 2.50% 3.58%
HKD 3.40% 3.25% 2.00% 3.15%
USD 3.65% 3.50% 2.25% 3.40%
4 Nov 2013 31 Mar 2014 RMB 4.00% 3.58% 2.50% 3.58%
HKD 3.40% 3.25% 2.00% 3.15%
USD 3.65% 3.50% 2.25% 3.40%

Updated on 27 Jan 2017 (Hong Kong Time)

* BOC Life reserved the right to review the Minimum Crediting Interest Rate on every 10th policy anniversary.