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Dividend Fulfillment Ratios

Dividend Fulfillment Ratio is a ratio showing the dividend fulfillment ability of the participating insurance plans. In accordance with the requirement from the Insurance Authority, customers can check the dividend fulfillment ratio of the participating policies of BOC Life issued since 2010 from BOC Life’s website.

Introduction of Dividend Fulfillment Ratio Video

Fulfillment Ratio for Annual Dividend

The fulfillment ratio for annual dividend is calculated as the ratio of actual accumulated annual dividend and its interest against the corresponding projected annual dividend amount as  illustrated in the benefit illustration provided at the point of application.

 Policy Year 1
(Policy effective
in 2020)
Policy Year 2
(Policy effective
in 2019)
Policy Year 3
(Policy effective
in 2018)
Policy Year 4
(Policy effective
in 2017)
Policy Year 5
(Policy effective
in 2016)
Policy Year 6
(Policy effective
in 2015)
Policy Year 7
(Policy effective
in 2014)
Policy Year 8
(Policy effective
in 2013)
Policy Year 9
(Policy effective
in 2012)
Policy Year 10
(Policy effective
in 2011)
Policy Year 10+
(Policy effective
in 2010 or before)
TARGET 5 YEARS INSURANCE PLAN SERIES /
NCB ENRICHMENT 5-YEAR INS PLAN SERIES /
GOLD LABEL TARGET 5 YEARS INSURANCE PLAN
-100%100%100%100%100%-----
LEISURE 5 YEARS INSURANCE PLAN SERIES /
NCB JOYFUL 5-YEAR INSURANCE PLAN SERIES
---100%100%------
MULTI-PLUS SAVINGS INSURANCE PLAN (RMB)----100%100%100%98%99%99%98%
MULTI-PLUS SAVINGS INSURANCE PLAN (HKD/USD)----100%100%100%96%84%84%84%
JUVENILE 18 INSURANCE PLAN /
JUVENILE 21 INSURANCE PLAN /
KIDDIE SKY INSURANCE PLAN /
NCB EDUCATION SAVINGS INS PLAN (AGE 18) /
NCB EDUCATION SAVINGS INS PLAN (AGE 21)
-----100%100%99%98%98%98%
HUNDRED LIFE INSURANCE PLAN /
NCB WHOLE LIFE INSURANCE PLAN
90%91%94%95%96%90%83%84%84%86%89%
HUNDRED LIFE CRITICAL ILLNESS INS PLAN /
NCB WHOLE LIFE CRITICAL ILLNESS INS PLAN
---95%96%97%97%97%96%96%96%
GLORIOUS LIFE SAVINGS INSURANCE PLAN---95%96%82%78%78%78%79%81%
PLENTEOUS LIFE COUPON PLAN /
PLENTEOUS LIFE COUPON PLAN (SIMPLIFIED)
--95%96%97%98%98%97%---
FINANCIALGUARD WHOLE LIFE INSURANCE PLAN90%90%94%95%96%96%97%----
FINANCIALGUARD WHOLE LIFE COUPON PLAN90%91%94%95%96%97%97%----
FINANCIALGUARD CRITICAL ILLNESS INSURANCE PLAN--93%-96%97%97%95%---
INCOMESHINE WHOLE LIFE COUPON PLAN90%91%94%95%96%97%-----
BESTCARE CRITICAL ILLNESS PLAN---95%96%96%96%----
BESTCARE PRO CRITICAL ILLNESS PLAN-90%93%94%96%------
STEP UP WHOLE LIFE INSURANCE PLAN---93%95%96%-----
SMARTUP WHOLE LIFE INSURANCE PLAN--90%93%91%------
REACHUP INSURANCE PLAN-85%90%--------
SMARTRETIRE ANNUITY INSURANCE PLAN-----------
ULTRA REACH INSURANCE PLAN-----------
SMART IMMEDIATE ANNUITY PLAN-----------
SMARTUP PLUS WHOLE LIFE INSURANCE PLAN--90%--------
DEFERRED ANNUITY PLAN (LIFETIME)-----------
SMARTUP PRO WHOLE LIFE INSURANCE PLAN-----------
FOREVER WELLBEING WHOLE LIFE INSURANCE PLAN-----------
FOREVER FORTUNE WHOLE LIFE INSURANCE PLAN-----------

Fulfillment Ratio for Terminal Dividend / Special Dividend

The fulfillment ratio for terminal dividend / special dividend is calculated as the ratio of actual payout amount of terminal dividend / special dividend against the corresponding projected terminal dividend / special dividend amount as illustrated in the benefit illustration provided at the point of application.

Fulfillment ratios for terminal dividends for reporting year 2021

 Policy Year 1
(Policy effective
in 2020)
Policy Year 2
(Policy effective
in 2019)
Policy Year 3
(Policy effective
in 2018)
Policy Year 4
(Policy effective
in 2017)
Policy Year 5
(Policy effective
in 2016)
Policy Year 6
(Policy effective
in 2015)
Policy Year 7
(Policy effective
in 2014)
Policy Year 8
(Policy effective
in 2013)
Policy Year 9
(Policy effective
in 2012)
Policy Year 10
(Policy effective
in 2011)
Policy Year 10+
(Policy effective
in 2010 or before)
HUNDRED LIFE CRITICAL ILLNESS INS PLAN---------90%90%
NCB WHOLE LIFE CRITICAL ILLNESS INS PLAN-----------
HUNDRED LIFE INSURANCE PLAN---------90%90%
NCB WHOLE LIFE INSURANCE PLAN-----------
GLORIOUS LIFE SAVINGS INSURANCE PLAN---------90%90%
STEP UP WHOLE LIFE INSURANCE PLAN-----------
SMARTUP WHOLE LIFE INSURANCE PLAN--90%90%-------
MULTI-PLUS SAVINGS INSURANCE PLAN  (HKD/USD)-------85%74%73%74%
MULTI-PLUS SAVINGS INSURANCE PLAN (RMB)-------100%100%100%100%
REACHUP INSURANCE PLAN--85%--------
SMARTGUARD CRITICAL ILLNESS PLAN--100%--------
ULTRAREACH INSURANCE PLAN ----90%------
SMARTUP PLUS WHOLE LIFE INSURANCE PLAN--90%--------
FINANCIALGUARD WHOLE LIFE INSURANCE PLAN-----------
FINANCIALGUARD WHOLE LIFE COUPON PLAN-----------
FINANCIALGUARD CRITICAL ILLNESS INSURANCE PLAN-----------
INCOMESHINE WHOLE LIFE COUPON PLAN-----------
BESTCARE CRITICAL ILLNESS PLAN-----------
BESTCARE PRO CRITICAL ILLNESS PLAN-----------
SMARTRETIRE ANNUITY INSURANCE PLAN-----------
DEFERRED ANNUITY PLAN (LIFETIME)-----------
SMARTUP PRO WHOLE LIFE INSURANCE PLAN -----------
FOREVER WELLBEING WHOLE LIFE INSURANCE PLAN -----------
FOREVER LEGACY WHOLE LIFE PLAN-----------
FOREVER FORTUNE WHOLE LIFE INSURANCE PLAN-----------

Fulfillment ratios for special dividends for reporting year 2021

 Policy Year 1
(Policy effective
in 2020)
Policy Year 2
(Policy effective
in 2019)
Policy Year 3
(Policy effective
in 2018)
Policy Year 4
(Policy effective
in 2017)
Policy Year 5
(Policy effective
in 2016)
Policy Year 6
(Policy effective
in 2015)
Policy Year 7
(Policy effective
in 2014)
Policy Year 8
(Policy effective
in 2013)
Policy Year 9
(Policy effective
in 2012)
Policy Year 10
(Policy effective
in 2011)
Policy Year 10+
(Policy effective
in 2010 or before)
MULTI-PLUS SAVINGS INSURANCE PLAN  (HKD/USD)----85%------
MULTI-PLUS SAVINGS INSURANCE PLAN (RMB)----100%------