Historical Crediting Interest Rates

Historical Crediting Interest Rates of Universal Life Products

Below are the historical Crediting Interest Rates of our current universal life products and the discontinued universal life products for which we issued new policies from 2012 to 2017. The rates shown are the weighted average of the crediting interest rates of each product in a given year.

The historical Crediting Interest Rates shown below are for reference only. They should not be taken as an indicator of future crediting interest rates which may be higher or lower than in the past.

Please note that the Crediting Interest Rate on any policy depends on factors such as the date that the policy is issued, the sum assured and the date of each premium payment. Therefore, if you are a policy owner, please refer to your annual statement for the actual crediting interest rates applicable to your policy.

Crediting Interest Rates for Reporting Year 2017




 Product was not available or no policies were issued in the relevant year.


1. The Crediting Interest Rates shown are before any relevant policy charges (e.g. cost of insurance, monthly expense charge, etc.).
2. The Crediting Interest Rates shown have not taken into account any bonus Crediting Interest Rates.