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Important Notice

Important Notice - In view of the latest anti-pandemic measures launched by the
Macao SAR Government, and an updated circular issued by the Monetary Authority
of Macao on June 21, 2022 requesting the business outlets of banks and insurance
companies to continue suspending public services from June 22, 2022 to June 24,
2022 (Wednesday to Friday) (the "affected period"), we have made the following
arrangements ... View more

Important Notice - In view of the latest anti-pandemic measures launched by the
Macao SAR Government, and an updated circular issued by the Monetary Authority
of Macao on June 21, 2022 requesting the business outlets of banks and insurance
companies to continue suspending public services from June 22, 2022 to June 24,
2022 (Wednesday to Friday) (the "affected period"), we have made the following
arrangements ... View more

Important Notice - In view of the latest anti-pandemic measures launched by the
Macao SAR Government, and an updated circular issued by the Monetary Authority
of Macao on June 21, 2022 requesting the business outlets of banks and insurance
companies to continue suspending public services from June 22, 2022 to June 24,
2022 (Wednesday to Friday) (the "affected period"), we have made the following
arrangements ... View more

Important Notice - In view of the latest anti-pandemic measures launched by the
Macao SAR Government, and an updated circular issued by the Monetary Authority
of Macao on June 21, 2022 requesting the business outlets of banks and insurance
companies to continue suspending public services from June 22, 2022 to June 24,
2022 (Wednesday to Friday) (the "affected period"), we have made the following
arrangements ... View more

Important Notice - In view of the latest anti-pandemic measures launched by the
Macao SAR Government, and an updated circular issued by the Monetary Authority
of Macao on June 21, 2022 requesting the business outlets of banks and insurance
companies to continue suspending public services from June 22, 2022 to June 24,
2022 (Wednesday to Friday) (the "affected period"), we have made the following
arrangements ... View more

Important Notice - In view of the latest anti-pandemic measures launched by the
Macao SAR Government, and an updated circular issued by the Monetary Authority
of Macao on June 21, 2022 requesting the business outlets of banks and insurance
companies to continue suspending public services from June 22, 2022 to June 24,
2022 (Wednesday to Friday) (the "affected period"), we have made the following
arrangements ... View more

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Important Notice

Important Notice - Manulife (International) Limited would like to alert
customers to stay vigilant about suspicious phone calls, emails, websites, apps,
etc. allegedly related to Manulife. If you receive any calls claiming to be from
Manulife MPF, first and foremost is to authenticate the caller’s identity (e.g.
full name of advisor and his/her MPF Registration No.). If the caller refuses to
disclose such information, please do not continue with the conversation. Also,
if you notice any suspicious transaction activi ... View more

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FULFILLMENT RATIO FOR
PARTICIPATING PRODUCTS


FULFILLMENT RATIO FOR
PARTICIPATING PRODUCTS

(LAST UPDATED ON JUNE 30, 2021)

The following provides you with an overview of the Company’s non-guaranteed
Annual Dividends/Terminal Bonus fulfillment ratios, starting from 2010, for each
product which has new policies issued in the previous 5 calendar years of the
reporting year of 2020. Fulfillment ratios are calculated up to the respective
policy anniversary in 2020.

The fulfillment ratios only reflect the Company’s non-guaranteed Annual
Dividends/ Terminal Bonus up to the respective policy anniversary of policies
issued and it should in no way be interpreted as a projection or estimation of
future returns. This is only for reference purposes. Dividend history or past
performance is not a guide for future performance of the participating products.


You want to see fulfillment ratios of
select a product

Critical Illness
ManuBright Care ManuBright Care 2 / 2 Plus ManuCritical Care ManuEssential Care
ManuLove Care ManuMulti Care ManuPrime Care ManuTotal Care ManuVital Care Vita
Endowment
ManuSave Insurance Plan
Income Plan
ManuDelight Annuity Plan ManuJoy Annuity Plan ManuLeisure Deferred Annuity
ManuWise Deferred Annuity MyChoice
Life & Saving
ManuFuture ManuGrand Saver ManuGrand Saver 2 ManuImperial Saver ManuImperial
Saver 2 ManuVision ManuVision Protector
Whole Life
La Vie La Vie 2 ManuCentury ManuPrestige / ManuPrestige Protector MyWay Platinum
One Premier Estate Protector Premier New Generation Planner Whole-in-One Prime
Whole-in-One Prime 2 Whole-in-One Prime - Horizon Whole-in-One Protector
Whole-in-One Protector Series 2
.
and the policy currency
is
HKD / USD

USD HKD
.
You
have / do not have

have do not have
a policy.
which was effective
in .
*Please fill in a valid date.
For the effective date or policy year date of your policy, you can refer to your
contract or anniversary statement.
Reset
Search
*Fulfillment ratios may not be available or not showing up for this product for
the year selected due to one or more of the following reason(s). Please refine
and try again.

 * We are not selling this product currently, or in the year selected;
 * There is no new policies issued for this product in the previous 5 calendar
   years of the reporting year of 2020.

*Fulfillment ratios may not be available or not showing up for this product for
the year selected due to one or more of the following reason(s). Please refine
and try again.

 * We are not selling this product currently, or in the year selected;
 * There is no new policies issued for this product in the previous 5 calendar
   years of the reporting year of 2020.

*Fulfillment ratios may not be available or not showing up for this product for
the year selected due to one or more of the following reason(s). Please refine
and try again.

 * We are not selling this product currently, or in the year selected;
 * There is no new policies issued for this product in the previous 5 calendar
   years of the reporting year of 2020.




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuBright Care
(For policies effective on or after July 1, 2018) Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuBright Care
(For policies effective before July 1, 2018) Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
105% Year 4
(Policy effective
in 2016)
100% Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuBright Care
(For policies effective on or after July 1, 2018) Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuBright Care
(For policies effective before July 1, 2018) Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
130% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuCritical Care
(For policies effective on or after July 1, 2018) Critical Illness USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuCritical Care
(For policies effective on or after January 10, 2017 and before July 1, 2018)
Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
100% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuCritical Care
(For policies effective before January 10, 2017) Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
92% Year 4
(Policy effective
in 2016)
88% Year 5
(Policy effective
in 2015)
90% Year 6
(Policy effective
in 2014)
91% Year 7
(Policy effective
in 2013)
91% Year 8
(Policy effective
in 2012)
92% Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuCritical Care
(For policies effective on or after July 1, 2018) Critical Illness HKD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuCritical Care
(For policies effective on or after January 10, 2017 and before July 1, 2018)
Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
110% Year 3
(Policy effective
in 2017)
109% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuCritical Care
(For policies effective before January 10, 2017) Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
89% Year 4
(Policy effective
in 2016)
86% Year 5
(Policy effective
in 2015)
88% Year 6
(Policy effective
in 2014)
89% Year 7
(Policy effective
in 2013)
89% Year 8
(Policy effective
in 2012)
90% Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuEssential Care
(For policies effective on or after July 1, 2018) Critical Illness USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuEssential Care
(For policies effective before July 1, 2018) Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
95% Year 3
(Policy effective
in 2017)
96% Year 4
(Policy effective
in 2016)
97% Year 5
(Policy effective
in 2015)
98% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuEssential Care
(For policies effective on or after July 1, 2018) Critical Illness HKD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuEssential Care
(For policies effective before July 1, 2018) Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
104% Year 3
(Policy effective
in 2017)
103% Year 4
(Policy effective
in 2016)
103% Year 5
(Policy effective
in 2015)
103% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuLove Care
Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuLove Care
Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuMulti Care
(For policies effective on or after January 10, 2017) Critical Illness USD Year
1
(Policy effective
in 2019)
128% Year 2
(Policy effective
in 2018)
112% Year 3
(Policy effective
in 2017)
110% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuMulti Care
(For policies effective before January 10, 2017) Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
97% Year 4
(Policy effective
in 2016)
101% Year 5
(Policy effective
in 2015)
101% Year 6
(Policy effective
in 2014)
102% Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuMulti Care
(For policies effective on or after January 10, 2017) Critical Illness HKD Year
1
(Policy effective
in 2019)
126% Year 2
(Policy effective
in 2018)
113% Year 3
(Policy effective
in 2017)
109% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuMulti Care
(For policies effective before January 10, 2017) Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
99% Year 4
(Policy effective
in 2016)
101% Year 5
(Policy effective
in 2015)
101% Year 6
(Policy effective
in 2014)
101% Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuPrime Care
(For policies effective on or after July 1, 2018) Critical Illness USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuPrime Care
(For policies effective before July 1, 2018) Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
95% Year 3
(Policy effective
in 2017)
96% Year 4
(Policy effective
in 2016)
97% Year 5
(Policy effective
in 2015)
98% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuPrime Care
(For policies effective on or after July 1, 2018) Critical Illness HKD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuPrime Care
(For policies effective before July 1, 2018) Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
104% Year 3
(Policy effective
in 2017)
103% Year 4
(Policy effective
in 2016)
104% Year 5
(Policy effective
in 2015)
103% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuTotal Care
(For policies effective on or after January 10, 2017) Critical Illness USD Year
1
(Policy effective
in 2019)
104% Year 2
(Policy effective
in 2018)
102% Year 3
(Policy effective
in 2017)
102% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuTotal Care
(For policies effective before January 10, 2017) Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
84% Year 4
(Policy effective
in 2016)
84% Year 5
(Policy effective
in 2015)
84% Year 6
(Policy effective
in 2014)
86% Year 7
(Policy effective
in 2013)
87% Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuTotal Care
(For policies effective on or after January 10, 2017) Critical Illness HKD Year
1
(Policy effective
in 2019)
129% Year 2
(Policy effective
in 2018)
117% Year 3
(Policy effective
in 2017)
111% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuTotal Care
(For policies effective before January 10, 2017) Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
78% Year 4
(Policy effective
in 2016)
80% Year 5
(Policy effective
in 2015)
81% Year 6
(Policy effective
in 2014)
83% Year 7
(Policy effective
in 2013)
84% Year 8
(Policy effective
in 2012)
85% Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuVital Care
Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuVital Care
Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 Vita
Critical Illness USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
107% Year 3
(Policy effective
in 2017)
98% Year 4
(Policy effective
in 2016)
76% Year 5
(Policy effective
in 2015)
78% Year 6
(Policy effective
in 2014)
79% Year 7
(Policy effective
in 2013)
79% Year 8
(Policy effective
in 2012)
81% Year 9
(Policy effective
in 2011)
82% Year 10
(Policy effective
in 2010)
N/A Vita
Critical Illness HKD Year 1
(Policy effective
in 2019)
86% Year 2
(Policy effective
in 2018)
81% Year 3
(Policy effective
in 2017)
88% Year 4
(Policy effective
in 2016)
87% Year 5
(Policy effective
in 2015)
82% Year 6
(Policy effective
in 2014)
84% Year 7
(Policy effective
in 2013)
63% Year 8
(Policy effective
in 2012)
64% Year 9
(Policy effective
in 2011)
66% Year 10
(Policy effective
in 2010)
68%


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuSave Insurance Plan
Endowment USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
102% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuDelight Annuity Plan
Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuDelight Annuity Plan
Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuDelight Annuity Plan
Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuDelight Annuity Plan
Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 ManuJoy
Annuity Plan
(For policies effective on or after July 1, 2018) Income Plan USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuJoy Annuity Plan
(For policies effective on or after January 1, 2016 and before July 1, 2018)
Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
105% Year 3
(Policy effective
in 2017)
103% Year 4
(Policy effective
in 2016)
102% Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuJoy Annuity Plan
(For policies effective before January 1, 2016) Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
106% Year 6
(Policy effective
in 2014)
104% Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuJoy Annuity Plan
(For policies effective on or after July 1, 2018) Income Plan HKD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuJoy Annuity Plan
(For policies effective on or after January 1, 2016 and before July 1, 2018)
Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
112% Year 3
(Policy effective
in 2017)
108% Year 4
(Policy effective
in 2016)
106% Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuJoy Annuity Plan
(For policies effective before January 1, 2016) Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
88% Year 6
(Policy effective
in 2014)
90% Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuLeisure Deferred Annuity
Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuLeisure Deferred Annuity
Income Plan USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuWise Deferred Annuity
Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuWise Deferred Annuity
Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
MyChoice
(For policies effective on or after July 1, 2018) Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A MyChoice
(For policies effective on or after January 10, 2017 and before July 1, 2018)
Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
87% Year 3
(Policy effective
in 2017)
88% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A MyChoice
(For policies effective before January 10, 2017) Income Plan USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
91% Year 4
(Policy effective
in 2016)
85% Year 5
(Policy effective
in 2015)
86% Year 6
(Policy effective
in 2014)
87% Year 7
(Policy effective
in 2013)
88% Year 8
(Policy effective
in 2012)
90% Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A MyChoice
(For policies effective on or after July 1, 2018) Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A MyChoice
(For policies effective on or after January 10, 2017 and before July 1, 2018)
Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
103% Year 3
(Policy effective
in 2017)
103% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A MyChoice
(For policies effective before January 10, 2017) Income Plan HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
78% Year 4
(Policy effective
in 2016)
71% Year 5
(Policy effective
in 2015)
72% Year 6
(Policy effective
in 2014)
73% Year 7
(Policy effective
in 2013)
75% Year 8
(Policy effective
in 2012)
77% Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuFuture
(For policies effective on or after January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuFuture
(For policies effective before January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
100% Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuGrand Saver
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuGrand Saver
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuImperial Saver
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuImperial Saver
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuVision
(For policies effective on or after January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
100% Year 4
(Policy effective
in 2016)
100% Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuVision
(For policies effective before January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
101% Year 5
(Policy effective
in 2015)
102% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuVision
(For policies effective on or after January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
100% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuVision
(For policies effective before January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
101% Year 5
(Policy effective
in 2015)
101% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuVision Protector
(For policies effective on or after January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
100% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuVision Protector
(For policies effective before January 1, 2017) Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
100% Year 5
(Policy effective
in 2015)
100% Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 La Vie*
(For policies effective on or after July 1, 2018) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A La Vie*
(For policies effective on or after January 10, 2017 and before July 1, 2018)
Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
94% Year 3
(Policy effective
in 2017)
95% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A La Vie*
(For policies effective on or after October 18, 2013 and before January 10,
2017) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
85% Year 4
(Policy effective
in 2016)
85% Year 5
(Policy effective
in 2015)
88% Year 6
(Policy effective
in 2014)
90% Year 7
(Policy effective
in 2013)
92% Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A La Vie**
(For policies effective on or after May 29, 2012 and before October 18, 2013)
Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
94% Year 7
(Policy effective
in 2013)
94% Year 8
(Policy effective
in 2012)
96% Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A La Vie*
(For policies effective on or after July 1, 2018) Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A La Vie*
(For policies effective on or after January 10, 2017 and before July 1, 2018)
Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
118% Year 3
(Policy effective
in 2017)
115% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A La Vie*
(For policies effective on or after October 18, 2013 and before January 10,
2017) Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
101% Year 4
(Policy effective
in 2016)
95% Year 5
(Policy effective
in 2015)
95% Year 6
(Policy effective
in 2014)
97% Year 7
(Policy effective
in 2013)
97% Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A

*Refers to policies with product code shown at the top right corner of the
proposal summary (first page) at point of sales is QAxx13xx / QCxx13xx, and with
policy effective date specified above. **Refers to policies with product code
shown at the top right corner of the proposal summary (first page) at point of
sales is QAxx12xx / QCxx12xx.

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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuPrestige / ManuPrestige Protector
(For policies effective on or after July 1, 2018) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuPrestige / ManuPrestige Protector
(For policies effective before July 1, 2018) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
87% Year 3
(Policy effective
in 2017)
91% Year 4
(Policy effective
in 2016)
93% Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuPrestige / ManuPrestige Protector
(For policies effective on or after July 1, 2018) Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuPrestige / ManuPrestige Protector
(For policies effective before July 1, 2018) Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
114% Year 3
(Policy effective
in 2017)
114% Year 4
(Policy effective
in 2016)
111% Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 MyWay
Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
84% Year 5
(Policy effective
in 2015)
86% Year 6
(Policy effective
in 2014)
88% Year 7
(Policy effective
in 2013)
91% Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
Platinum One
(For policies effective on or after January 10, 2017) Whole Life USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
100% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Platinum One
(For policies effective before January 10, 2017) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
107% Year 4
(Policy effective
in 2016)
108% Year 5
(Policy effective
in 2015)
107% Year 6
(Policy effective
in 2014)
105% Year 7
(Policy effective
in 2013)
105% Year 8
(Policy effective
in 2012)
106% Year 9
(Policy effective
in 2011)
104% Year 10
(Policy effective
in 2010)
104%


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 Premier
Estate Protector^
(For policies effective on or after August 2, 2017) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
112% Year 3
(Policy effective
in 2017)
109% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Premier Estate Protector*
(For policies effective on or after December 23, 2013 and before August 2, 2017)
Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
86% Year 4
(Policy effective
in 2016)
89% Year 5
(Policy effective
in 2015)
91% Year 6
(Policy effective
in 2014)
92% Year 7
(Policy effective
in 2013)
93% Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Premier Estate Protector^
(For policies effective on or after August 2, 2017) Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
126% Year 3
(Policy effective
in 2017)
120% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Premier Estate Protector*
(For policies effective on or after December 23, 2013 and before August 2, 2017)
Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
85% Year 3
(Policy effective
in 2017)
84% Year 4
(Policy effective
in 2016)
83% Year 5
(Policy effective
in 2015)
86% Year 6
(Policy effective
in 2014)
88% Year 7
(Policy effective
in 2013)
90% Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A

^Refers to policies with product code shown at the top right corner of the
proposal summary (first page) at point of sales is WAxx17xx. *Refers to policies
with product code shown at the top right corner of the proposal summary (first
page) at point of sales is WAxx13xx. **Refers to policies with product code
shown at the top right corner of the proposal summary (first page) at point of
sales is WAxx12xx / WCxx12xx.

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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 Premier
New Generation Planner
(For policies effective on or after January 1, 2014) Whole Life USD Year 1
(Policy effective
in 2019)
99% Year 2
(Policy effective
in 2018)
64% Year 3
(Policy effective
in 2017)
53% Year 4
(Policy effective
in 2016)
60% Year 5
(Policy effective
in 2015)
63% Year 6
(Policy effective
in 2014)
70% Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Premier New Generation Planner
(For policies effective on or after January 1, 2014) Whole Life HKD Year 1
(Policy effective
in 2019)
60% Year 2
(Policy effective
in 2018)
72% Year 3
(Policy effective
in 2017)
76% Year 4
(Policy effective
in 2016)
88% Year 5
(Policy effective
in 2015)
92% Year 6
(Policy effective
in 2014)
103% Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
Whole-in-One Prime
(For policies effective on or after July 29, 2019) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Whole-in-One Prime
(For policies effective before July 29, 2019) Whole Life USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
Whole-in-One Prime - Horizon
Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
Whole-in-One Protector
(For policies effective on or after January 10, 2017) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
97% Year 3
(Policy effective
in 2017)
98% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Whole-in-One Protector
(For policies effective before January 10, 2017) Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
91% Year 4
(Policy effective
in 2016)
91% Year 5
(Policy effective
in 2015)
93% Year 6
(Policy effective
in 2014)
95% Year 7
(Policy effective
in 2013)
95% Year 8
(Policy effective
in 2012)
97% Year 9
(Policy effective
in 2011)
97% Year 10
(Policy effective
in 2010)
98%


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
Whole-in-One Protector Series 2
Whole Life USD Year 1
(Policy effective
in 2019)
100% Year 2
(Policy effective
in 2018)
100% Year 3
(Policy effective
in 2017)
100% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 Demo 7a
Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Demo 7b Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Demo 8a Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Demo 8b Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 Demo 9a
Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Demo 9b Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Demo 10a Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A Demo 10b Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020 La Vie
2
Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A La Vie 2
Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuCentury
Whole Life USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuCentury
Whole Life HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuBright Care 2 / 2 Plus
Critical Illness USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A ManuBright Care 2 / 2 Plus
Critical Illness HKD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuGrand Saver 2
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuGrand Saver 2
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuImperial Saver 2
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
ManuImperial Saver 2
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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ANNUAL DIVIDEND FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
Whole-in-One Prime 2
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A




TERMINAL BONUS FULFILLMENT RATIO

Product Product type Currency Fulfillment ratios for reporting year 2020
Whole-in-One Prime 2
Life & Saving USD Year 1
(Policy effective
in 2019)
N/A Year 2
(Policy effective
in 2018)
N/A Year 3
(Policy effective
in 2017)
N/A Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A


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FULFILLMENT RATIO FOR ANNUAL DIVIDENDS

The fulfillment ratio for annual dividends is calculated as the ratio of
aggregate actual accumulated non-guaranteed annual dividends and non-guaranteed
interests, against the respective illustrated amounts at the point of sale for
all relevant policies that were still in-force as of the end of reporting year.
Please refer to the illustrative example below for more details.
Learn more
 * Non-guaranteed interests include the non-guaranteed interests earned on
   accumulated non-guaranteed annual dividends, guaranteed/ non-guaranteed
   coupons, guaranteed cash payments, and/ or guaranteed/ non-guaranteed incomes
   (annual and/ or monthly). For the purpose of fulfillment ratio calculation,
   it is assumed that policyowners opt to leave all non-guaranteed annual
   dividends, guaranteed/ non-guaranteed coupons, guaranteed cash payments, and
   guaranteed/ non-guaranteed incomes (annual and/ or monthly) (if any) with the
   Company for interest accumulation since policy issuance.
 * Terminal bonus (if any) is excluded from the calculation.
 * For the purpose of fulfillment ratio calculation, annual dividends also
   include any non-guaranteed monthly incomes.
 * All fulfillment ratios are calculated based on the assumption that from the
   issuance of the respective policies to the end of the reporting year, all
   premiums are paid in full when due (taking into consideration any actual
   changes in Notional Amount), no policy loans are taken, and no withdrawals
   are made from the accumulated non-guaranteed annual dividends and
   non-guaranteed interests.

Illustrative example

FULFILLMENT RATIO FOR ANNUAL DIVIDENDS

(Figures shown in table (a) and table (b) below are for illustrative purposes
only)
An Endowment Product (ABC), launched in 2017 with only one currency (HK$)
available, contained 4 in-force policies as of end of reporting year 2020.

TABLE (A)

Policy Policy issue date Respective Policy year for reporting year 2020
Fulfillment ratio based on accumulated dividends and interest up to Illustrated
accumulated dividends and interest at point of sales Actual accumulated
dividends and interest 1 5 Mar 2017 3 5 Mar 2020 $ 3,000 $ 2,100 2 4 Sep 2017 3
4 Sep 2020 $ 4,000 $ 2,800 3 1 Jan 2018 2 1 Jan 2020 $ 2,000 $ 2,000 4 11 Nov
2019 1 11 Nov 2020 $ 950 $ 1,000

TABLE (B)

Product Product Type Currency Fulfillment ratios for reporting year 2020 ABC
Endowment USD Year 1
(Policy effective
in 2019)
1,000 /
950
= 105% Year 2
(Policy effective
in 2018)
2,000 /
2,000
= 100% Year 3
(Policy effective
in 2017)
(2,800 +
2,100) /
(4,000 +
3,000)
= 70% Year 4
(Policy effective
in 2016)
N/A Year 5
(Policy effective
in 2015)
N/A Year 6
(Policy effective
in 2014)
N/A Year 7
(Policy effective
in 2013)
N/A Year 8
(Policy effective
in 2012)
N/A Year 9
(Policy effective
in 2011)
N/A Year 10
(Policy effective
in 2010)
N/A

Notes:
 * A more than 100% fulfillment ratio means larger accumulated dividends and
   interest is resulted as compared to the illustrated amount at point of sales.
 * A 100% fulfillment ratio means accumulated dividends and interest matches the
   illustrated amount at point of sales.
 * A less than 100% fulfillment ratio means smaller accumulated dividends and
   interest is resulted as compared to the illustrated amount at point of sales.


FULFILLMENT RATIO FOR TERMINAL BONUS

The fulfillment ratio for terminal bonus is calculated as the ratio of aggregate
payout of terminal bonus against the illustrated amounts at the point of sale
for all relevant policies actually terminated in the reporting year.
Learn more
 * For the avoidance of doubt, surrender value of terminal bonus is used in the
   calculation.
 * Annual dividends (if any) and/ or non-guaranteed monthly incomes (if any) are
   excluded from the calculation.
 * Non-guaranteed interests (if any) are excluded from the calculation.
   Non-guaranteed interests include the non-guaranteed interests earned on
   accumulated non-guaranteed annual dividends, guaranteed/ non-guaranteed
   coupons, guaranteed cash payments, and/ or guaranteed/ non-guaranteed incomes
   (annual and/ or monthly).
 * All fulfillment ratios are calculated based on the assumption that from the
   issuance of the respective policies to the end of the reporting year, all
   premiums are paid in full when due (taking into consideration any actual
   changes in Notional Amount).

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Important Notice

In view of the latest anti-pandemic measures launched by the Macao SAR
Government, and an updated circular issued by the Monetary Authority of Macao on
June 21, 2022 requesting the business outlets of banks and insurance companies
to continue suspending public services from June 22, 2022 to June 24, 2022
(Wednesday to Friday) (the "affected period"), we have made the following
arrangements:


• Manulife’s Customer Service Centre on the 14th floor of Circle Square will be
temporarily closed during the affected period;
 

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