Calculation of Total Cash Value Ratio
The Total Cash Value ratio is calculated as the ratio of aggregate actual Total Cash Value against the illustrated amounts at the point of sale for all relevant policies in the reporting year. Total Cash Value is the amount which the policy owners receive upon policy surrender and it includes all guaranteed benefits (e.g. guaranteed cash value, guaranteed cash payments and guaranteed incomes) and all non-guaranteed benefits (e.g. annual dividends and their accumulated interest, terminal dividends, non-guaranteed incomes and their accumulated interest, and interest accumulated from guaranteed cash payments or guaranteed incomes), and excludes the account balance of the Premium Deposit Account. For the purpose of calculation of Total Cash Value ratios, it is assumed that all premiums are paid in full when due, no cash withdrawal or policy loans are taken throughout the term of the policy and policy owners opt to leave all relevant guaranteed and non-guaranteed benefits with BOC Life for interest accumulation based on the relevant interest rates applied to the relevant policies since policy issuance.
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
|
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
100% | |
| 6 (2018) |
100% | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | 100% | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
100% | |
| 6 (2018) |
100% | |
| 7 (2017) |
||
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
100% | |
| 6 (2018) |
100% | |
| 7 (2017) |
100% | |
| 8 (2016) |
100% | |
| 9 (2015) |
100% | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | 100% | 100% | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
|
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
100% | |
| 6 (2018) |
100% | |
| 7 (2017) |
100% | |
| 8 (2016) |
100% | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | 100% | 100% | 100% | 100% | 100% | 100% | 99% | 98% | Not yet launched | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
100% | |
| 3 (2021) |
||
| 4 (2020) |
100% | |
| 5 (2019) |
100% | |
| 6 (2018) |
100% | |
| 7 (2017) |
100% | |
| 8 (2016) |
100% | |
| 9 (2015) |
99% | |
| 10 (2014) |
98% | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | 100% | 100% | 99% | 99% | 99% | 99% | 99% | 99% | 98% | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
99% | |
| 5 (2019) |
99% | |
| 6 (2018) |
99% | |
| 7 (2017) |
99% | |
| 8 (2016) |
99% | |
| 9 (2015) |
99% | |
| 10 (2014) |
98% | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | ||
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
|
| 2 (2022) |
||
| 3 (2021) |
Not yet launched | |
| 4 (2020) |
Not yet launched | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | ||
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
|
| 2 (2022) |
||
| 3 (2021) |
Not yet launched | |
| 4 (2020) |
Not yet launched | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
Not yet launched | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
Not yet launched | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
|
| 2 (2022) |
Not yet launched | |
| 3 (2021) |
Not yet launched | |
| 4 (2020) |
Not yet launched | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
100% |
| 2 (2022) |
Not yet launched | |
| 3 (2021) |
Not yet launched | |
| 4 (2020) |
Not yet launched | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
100% |
| 2 (2022) |
Not yet launched | |
| 3 (2021) |
Not yet launched | |
| 4 (2020) |
Not yet launched | |
| 5 (2019) |
Not yet launched | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 100% | 100% | 100% | 98% | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
100% | |
| 8 (2016) |
100% | |
| 9 (2015) |
100% | |
| 10 (2014) |
98% | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 99% | 99% | 100% | 98% | 98% | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
99% | |
| 7 (2017) |
||
| 8 (2016) |
99% | |
| 9 (2015) |
100% | |
| 10 (2014) |
98% | |
| 10+ (Before 2014) |
98% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 100% | 100% | Not yet launched | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
||
| 9 (2015) |
100% | |
| 10 (2014) |
100% | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 90% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
Closed to sales | |
| 9 (2015) |
Closed to sales | |
| 10 (2014) |
Closed to sales | |
| 10+ (Before 2014) |
90% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 100% | 100% | 99% | 95% | 94% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
100% | |
| 8 (2016) |
100% | |
| 9 (2015) |
99% | |
| 10 (2014) |
95% | |
| 10+ (Before 2014) |
94% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 99% | 99% | 100% | 98% | 98% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
99% | |
| 8 (2016) |
99% | |
| 9 (2015) |
100% | |
| 10 (2014) |
98% | |
| 10+ (Before 2014) |
98% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | 99% | 99% | 99% | 99% | 99% | 99% | 94% | 94% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
99% | |
| 5 (2019) |
99% | |
| 6 (2018) |
99% | |
| 7 (2017) |
99% | |
| 8 (2016) |
99% | |
| 9 (2015) |
99% | |
| 10 (2014) |
94% | |
| 10+ (Before 2014) |
94% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 100% | 100% | 100% | 100% | 99% | 99% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
100% | |
| 7 (2017) |
100% | |
| 8 (2016) |
100% | |
| 9 (2015) |
100% | |
| 10 (2014) |
99% | |
| 10+ (Before 2014) |
99% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 100% | 99% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
Closed to sales | |
| 9 (2015) |
Closed to sales | |
| 10 (2014) |
100% | |
| 10+ (Before 2014) |
99% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | 99% | 99% | 98% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
99% | |
| 5 (2019) |
99% | |
| 6 (2018) |
98% | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 97% | 97% | 96% | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
97% | |
| 7 (2017) |
97% | |
| 8 (2016) |
96% | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Whole Life | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 95% | 94% | 94% | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Whole Life | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
95% | |
| 8 (2016) |
94% | |
| 9 (2015) |
94% | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Income Plan | 100% | 100% | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Income Plan | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
100% | |
| 6 (2018) |
100% | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Income Plan | Product has not yet reached the first policy anniversary and thus no value is shown. | ||||||||||
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Income Plan | Product has not yet reached the first policy anniversary and thus no value is shown. | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Income Plan | 100% | 100% | 99% | 99% | 98% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | ||
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Income Plan | 1 (2023) |
|
| 2 (2022) |
||
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
99% | |
| 6 (2018) |
99% | |
| 7 (2017) |
98% | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Income Plan | 100% | 100% | 100% | 100% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Income Plan | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
100% | |
| 6 (2018) |
Not yet launched | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Income Plan | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 98% | 97% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Income Plan | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
Closed to sales | |
| 9 (2015) |
Closed to sales | |
| 10 (2014) |
98% | |
| 10+ (Before 2014) |
97% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | 100% | 100% | 100% | 100% | 99% | 100% | Not yet launched | Not yet launched | Not yet launched | Not yet launched | Not yet launched |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
100% |
| 2 (2022) |
100% | |
| 3 (2021) |
100% | |
| 4 (2020) |
100% | |
| 5 (2019) |
99% | |
| 6 (2018) |
100% | |
| 7 (2017) |
Not yet launched | |
| 8 (2016) |
Not yet launched | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 93% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
Closed to sales | |
| 9 (2015) |
Closed to sales | |
| 10 (2014) |
Closed to sales | |
| 10+ (Before 2014) |
93% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 100% | 100% | 100% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
Closed to sales | |
| 9 (2015) |
100% | |
| 10 (2014) |
100% | |
| 10+ (Before 2014) |
100% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 93% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
Closed to sales | |
| 9 (2015) |
Closed to sales | |
| 10 (2014) |
Closed to sales | |
| 10+ (Before 2014) |
93% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 96% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
Closed to sales | |
| 9 (2015) |
Closed to sales | |
| 10 (2014) |
Closed to sales | |
| 10+ (Before 2014) |
96% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 100% | 100% | 100% | 100% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
100% | |
| 9 (2015) |
100% | |
| 10 (2014) |
100% | |
| 10+ (Before 2014) |
100% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 99% | 99% | 99% | 96% |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
Closed to sales | |
| 7 (2017) |
Closed to sales | |
| 8 (2016) |
99% | |
| 9 (2015) |
99% | |
| 10 (2014) |
99% | |
| 10+ (Before 2014) |
96% | |
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | 100% | |||||||
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
||
| 5 (2019) |
100% | |
| 6 (2018) |
||
| 7 (2017) |
||
| 8 (2016) |
||
| 9 (2015) |
||
| 10 (2014) |
||
| 10+ (Before 2014) |
||
Total Cash Value ratio for reporting year 2024
| Product Type |
Policy Year (Policy Effective Year) |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 (2023) |
2 (2022) |
3 (2021) |
4 (2020) |
5 (2019) |
6 (2018) |
7 (2017) |
8 (2016) |
9 (2015) |
10 (2014) |
10+ (Before 2014) |
|
| Participating Endowment | Closed to sales | Closed to sales | Closed to sales | Closed to sales | Closed to sales | 99% | 99% | Not yet launched | Not yet launched | Not yet launched | |
| Product Type |
Policy Year (Policy Effective Year) |
|
|---|---|---|
| Participating Endowment | 1 (2023) |
Closed to sales |
| 2 (2022) |
Closed to sales | |
| 3 (2021) |
Closed to sales | |
| 4 (2020) |
Closed to sales | |
| 5 (2019) |
Closed to sales | |
| 6 (2018) |
||
| 7 (2017) |
99% | |
| 8 (2016) |
99% | |
| 9 (2015) |
Not yet launched | |
| 10 (2014) |
Not yet launched | |
| 10+ (Before 2014) |
Not yet launched | |
Notes:
1. As the Total Cash Value ratio is calculated on aggregate level among all relevant participating policies and assumptions relating to premium payment, dividend/coupon payment options, withdrawal and policy loan etc are made, the Total Cash Value ratio shown in the table may not represent the situation of each individual participating policy.
2. The figures are calculated based on the data as of relevant reporting year and have been rounded to the nearest percent.
3. The products shown are those which (a) have issued new policies since 2010, and (b) still have policies inforce in the reporting year. To avoid doubt, products that were launched after the reporting year are excluded.
4. Total Cash Value ratio would not be applicable (i.e. shown as “N/A”) for some policy years of some products under the following situations,
i. there are no relevant inforce policies in the reporting year; or
ii. up to the corresponding policy years, total cash value illustrated at point of sale is zero
5. Total Cash Value ratio for some products may be available before the product is launched or after the product is closed to sales. This may be due to various policy actions including but not limited to actions that involve change in policy date, for example, policy backdating.
6. The above figures do not reflect any non-guaranteed benefits declarations after the reporting year, and the up-to-date non-guaranteed benefits of individual inforce policy is reflected and stated in the policy value of the respective anniversary statement.
7. Total Cash Value ratio is for reference purpose only and should not be taken as an indicator of future performance of the participating products. The actual Total Cash Value ratio in future may be lower or higher than the historical Total Cash Value ratio as illustrated.