www.manulife.com.hk
Open in
urlscan Pro
23.36.162.88
Public Scan
Submitted URL: http://www.manulife.com.hk/link/div-en
Effective URL: https://www.manulife.com.hk/en/individual/products/understanding-your-participating-policy/fulfillment-ratio.html
Submission: On June 22 via api from SG — Scanned from DE
Effective URL: https://www.manulife.com.hk/en/individual/products/understanding-your-participating-policy/fulfillment-ratio.html
Submission: On June 22 via api from SG — Scanned from DE
Form analysis
1 forms found in the DOMGET /content/insurance/hk/en/individual/search-results-page.html
<form action="/content/insurance/hk/en/individual/search-results-page.html" id="search" role="search" method="get" class="cmp-search init" data-processed="true">
<input type="hidden" class="cmp-search__cat-label" value="Suggested links">
<section class="cmp-search__field">
<div class="cmp-search__field-container">
<div class="cmp-search__field-group">
<input type="text" class="cmp-search__field-input" title="search" name="query" data-autocomplete="true" placeholder="Search manulife.com.hk" autocomplete="off">
<div class="cmp-search__field-line"></div>
</div>
<div class="autocomplete-suggestions" style="position: absolute; display: none; max-height: 400px; z-index: 9999;"></div>
</div>
</section>
</form>
Text Content
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 View more 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 View more * * Personal customer login * Employer login * Learn more about customer website * * * Individual * Corporations * English 繁體 简体 * * Search Skip to main content Skip to notification content * Products * Life * Save * Health * MPF * ManulifeMOVE * Invest * Investment-linked Assurance Scheme * Tax Deductible * Others * * Promotions * Latest customer offers * COVID-19 support * Introducing a new customer website and App * Manulife Retirement Solutions * Manulife Life Planning Starter Solution * Tax-Deductible Solutions * ManulifeMOVE * The Manulife stay-healthy guide * * Fund price * Hong Kong * Macau * * Services * Extended Medical Support * Pre-assessment Service and Cashless Service * File a claim * Form library * Make a payment * Premium Exchange Rates * MOVE FAQ * Useful calculators * Manage your account * Useful information * Customer service news * Customer feedback * Annual Member Benefit Statement * * BuySimple * VHIS * MPF TVC * MPF Personal Account * * About * Our story * Our people * Newsroom * Manulife in the news * Year in review * Investor Relations * Corporate Social Responsibility * Join us * * Contact us * Back * Individual * Corporations * * Individual Individual Corporations * English 繁體 简体 * Search * Login Personal customer login Employer login Learn more about customer website 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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% Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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. Search again 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 Search again 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 Search again 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% Search again 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. Search again 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 Search again 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 Search again 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 Search again 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% Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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 Search again 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). ABOUT US * Our story * Our people * Newsroom * Investor Relations * Corporate Social Responsibility * Join us Fulfillment Ratio Calculator * Our story * Our people * Newsroom * Investor Relations * Corporate Social Responsibility * Join us PRODUCT * Life * Save * Health * MPF * Invest * Investment-linked Assurance Schemes * Tax-deductible products * Others Fulfillment Ratio Calculator * Life * Save * Health * MPF * Invest * Investment-linked Assurance Schemes * Tax-deductible products * Others SERVICES * Extended Medical Support * Pre-assessment Service and Cashless Service * File a claim * Form library * Make a payment * Premium Exchange Rates * MOVE FAQ * Useful calculators * Manage your account * Useful information * Customer service news * Customer feedback * Annual Member Benefit Statement Fulfillment Ratio Calculator * Extended Medical Support * Pre-assessment Service and Cashless Service * File a claim * Form library * Make a payment * Premium Exchange Rates * MOVE FAQ * Useful calculators * Manage your account * Useful information * Customer service news * Customer feedback * Annual Member Benefit Statement GOALS * Plan for retirement * Build my career * Have a baby * Get married * Buy a new home * Grow my business Fulfillment Ratio Calculator * Plan for retirement * Build my career * Have a baby * Get married * Buy a new home * Grow my business Terms of Use Privacy Policy facebook youtube linkedin wechat © 2002-2022 Manulife (International) Limited (Incorporated in Bermuda with limited liability) Global Back Close 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; • Our Customer Service Hotline (853) 8398 0383 won't be affected and its service hours will remain from 9:00 am to 6:00 pm; • Customers can use “BOCNET” or “ATM” to pay their renewal premium; for policy enquiries, please contact our customer service hotline or your agent for assistance; • If there is any problem with your policy due to late payment of premiums during the affected period, please contact our customer service hotline or your agent for assistance; • Customers can send documents to Manulife (International) Limited (Address: Avenida De Almeida Ribeiro No. 61, Circle Square, 14 andar A, Macau). View more 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 activities in your account, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance. View more Confirm Close ARE YOU LOOKING FOR: Manulife Products Manulife Products Premium Exchange Rates Premium Exchange Rates Form library Form library File a claim File a claim Make a payment Make a payment Understanding Your Participating Policy Understanding Your Participating Policy Close