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    Fulfillment Ratio for Participating Products

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    Feature overview

    To provide an overview of the Hang Seng Insurance Company Limited (“Hang Seng Insurance”) dividend declaration history, the following tables show the Fulfillment Ratio for each of our participating products which have new policies issued in the previous 5 years prior to the reporting year 2022. These results are intended for reference purpose only and should not be taken as an indicator of future dividend declaration of the participating products. The actual Fulfillment Ratios in the future may be lower or higher than the historical Fulfillment Ratios illustrated.

    Since each Fulfillment Ratio is calculated as an average measure across all policies of a product series for each policy year, the actual Fulfillment Ratio for an individual policy may be different from the Fulfillment Ratio shown in this document, individual inforce policyholder is advised to check the inforce re-projection of the policy for the latest view on the future benefits. For further enquiries, please contact any Hang Seng Bank branch or our Customer Service Hotline 2596 6262.

    Find your product

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating products

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD 100% 100% 100% 100% 100% 100% N/A N/A N/A N/A N/A
    USD 100% 100% 100% 100% 100% 100% N/A N/A N/A N/A N/A

    Fulfillment Ratio for terminal dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD 100% 100% 100% 100% 100% 100% N/A N/A N/A N/A N/A
    USD 100% 100% 100% 100% 100% 100% N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating product

    Fulfillment ratio for Annual Dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
    USD N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
    RMB N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio for terminal dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A
    USD 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A
    RMB 100% N/A
    		 N/A N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating product

    Fulfillment ratio for Terminal Dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A
    USD 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A
    RMB 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating products

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A
    USD N/A 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating products

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A
    USD N/A 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating products

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A N/A 78% 81% 86% 74% 73% 75% 75% N/A N/A
    USD N/A N/A 79% 83% 87% 76% 75% 78% 78% N/A N/A
    RMB 100% 100% 100% 100% 100% 100% 100% N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating products

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    RMB 100% 100% 100% 100% 100% 100% 100% 100% N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating products

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A N/A N/A N/A 74% 59% 59% 62% 64% 66% 70%
    USD N/A N/A N/A N/A 74% 60% 59% 62% 63% 66% 71%

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating product

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A 100% 100% 100% N/A N/A N/A N/A N/A N/A N/A
    USD 100% 100% 100% 100% N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio for terminal dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A 100% 100% 100% N/A N/A N/A N/A N/A N/A N/A
    USD 100% 100% 100% 100% N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating product

    Fulfillment Ratio for terminal dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    USD 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating product

    Fulfillment Ratio for terminal dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    USD N/A 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating product

    Fulfillment Ratio for terminal dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD 100% 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A
    USD 100% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Open to sales participating product

    Fulfillment Ratio for terminal dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    USD 200%[1] N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

    Remark(s)

    1. In August 2022, as a result of rising interest rate, Hang Seng Insurance has increased the Special Dividend rate of DragonPower Life Insurance Plan’s USD Single Premium policies. The increase affects Special Dividend at early years more due to the relatively low Special Dividend for the early years originally. This high fulfillment ratio should not be taken to imply the level of Special Dividend to be declared for the entire duration of the contract.

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating products

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A 58% 64% 71% 68% 61% 61% 59% N/A N/A N/A
    USD N/A 58% 65% 69% 67% 60% 60% 58% N/A N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating product

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A 75% 78% 80% 82% 74% 73% 74% 73% N/A N/A
    USD N/A 75% 78% 81% 83% 77% 72% 74% 73% N/A N/A

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating product

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A N/A 54% 65% 72% 66% 68% 71% 72% 73% 70%
    USD N/A N/A 58% 66% N/A 73% 66% 70% 69% 70% 71%

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating product

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A N/A N/A N/A 64% 55% 56% 62% 65% 67% 70%
    USD N/A N/A N/A N/A 64% 56% 58% 63% 65% 68% 71%

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating product

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD N/A N/A N/A N/A N/A 62% 62% 64% 65% 68% 71%
    USD N/A N/A N/A N/A N/A N/A 63% 64% 69% 68% 72%

    Fulfillment Ratio Level

    Policy year 1 to 10+

    Product Type

    Closed to sales participating product

    Fulfillment Ratio for annual dividends for reporting year

    2022

    Currency

    Policy year 1
    (Policy effective in 2021)

    Policy year 2
    (Policy effective in 2020)

    Policy year 3
    (Policy effective in 2019)

    Policy year 4
    (Policy effective in 2018)

    Policy year 5
    (Policy effective in 2017)

    Policy year 6
    (Policy effective in 2016)

    Policy year 7
    (Policy effective in 2015)

    Policy year 8
    (Policy effective in 2014)

    Policy year 9
    (Policy effective in 2013)

    Policy year 10
    (Policy effective in 2012)

    Policy year 10+
    (Policy effective in 2010-2011)
    HKD 100% 100% 100% 100% 100% 99% N/A N/A N/A N/A N/A
    USD N/A N/A 100% 100% 100% 99% N/A N/A N/A N/A N/A

    FAQs

    Common questions

    The Fulfillment Ratio for annual dividends is calculated as the ratio of the aggregate actual accumulated non-guaranteed annual dividends against the aggregate illustrated amounts at the point of sale for all the relevant in-force participating policies at that policy year. The non-guaranteed interests, if any, earned on accumulated dividends and interest as well as accumulated guaranteed coupons and/or annuities (if applicable) are also included and aggregated with the amount of annual dividends in the calculation of Fulfillment Ratio.

    Illustrative example

    Assume Product X contains the following 4 HKD policies as of reporting year 2022:

    Policy
    		 Policy year
    		 Policy effective date
    		 Illustrated accumulated dividends and interest (HKD)
    		 Actual accumulated dividends and interest (HKD)
    1 1 5 Oct 2021
    		 750 750
    2 2 3 Apr 2020
    		 1,520 1,500
    3 2 17 Dec 2020
    		 2,400 2,350
    4 3 28 Jul 2019
    		 3,600 3,500

    The calculations of Fulfillment Ratios for HKD policies for reporting year 2022 are shown below:

    Product
    		 Fulfillment Ratios for dividends for reporting year 2022
    Policy year 1 (Policies effective in 2021)
    		 Policy year 2 (Policies effective in 2020)
    		 Policy year 3 (Policies effective in 2019)
    Product X
    		 750 / 750 = 100% (1,500 + 2,350) / (1,520 + 2,400) = 98%
    		 3,500 / 3,600 = 97%

    Note: The figures shown in the above example are for illustrative purpose only.

    The Fulfillment Ratio for terminal dividends is calculated as the ratio of the aggregate actual payout of non-guaranteed terminal dividends against the aggregate illustrated amounts at the point of sale for all the relevant participating policies which were actually terminated in the reporting year. Terminal dividends can change from year to year or more frequently and the cash value of terminal dividends are not guaranteed.

    Illustrative example

    Assume Product X has the following 4 HKD policies terminating in reporting year 2022:

    Policy
    		 Policy year
    		 Policy effective date
    		 Illustrated terminal dividends (HKD)
    		 Actual terminal dividends (HKD)
    1 3 1 Jan 2019
    		 800 800
    2 4 18 Feb 2018
    		 2,200 2,000
    3 5 13 Mar 2017
    		 4,000 3,500
    4 5 27 Nov 2017
    		 3,500 3,000

    The calculations of Fulfillment Ratios for HKD policies for reporting year 2022 are shown below:

    Product
    		 Fulfillment Ratios for terminal dividends for reporting year 2022
    Policy year 3 (Policies effective in 2019)
    		 Policy year 4 (Policies effective in 2018)
    		 Policy year 5 (Policies effective in 2017)
    Product X
    		 800 / 800 = 100% 2,000 / 2,200 = 91%
    		 (3,500 + 3,000) / (4,000 + 3,500) = 87%

    Note: The figures shown in the above example are for illustrative purpose only.

    Footnote

    Other point(s) to note

    1. Some of the above results are shown as “N/A” because:
      • they were launched less than 10 years ago or during a limited time period; or
      • the products have been closed to sales; or
      • the dividend amount illustrated at point of sale is zero and hence Fulfillment Ratio is undetermined; or
      • there were no relevant terminated policies during the reporting year
    2. The above life insurance plans are underwritten by Hang Seng Insurance Company Limited which is authorized and regulated by the Hong Kong Insurance Authority to carry on long term insurance business in the Hong Kong SAR. The benefits of the plans are subject to the credit risk of Hang Seng Insurance Company Limited (for details, please refer to “Product risks – Credit risk” on the product brochure). The above insurance plans are insurance plans with saving elements and not any kind of bank deposit. The proceeds received upon policy surrender, whether partial or full, may be less than the total premiums paid.
    3. The ratios are rounded to nearest integer %.