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Whole Life

Total payout ratios


  1. Some of the above fulfillment ratio or Total payout ratio are shown as "N/A" because:       
    1. There are no relevant in-force policies in the respective policy year for some products; or   
    2. The dividend amount / special bonus amount / illustrated amount at point of sale is zero and hence fulfillment ratio or total payout ratio is undetermined; or
    3. The special bonus amount illustrated at point of sales was non-zero, but there were no relevant policies actually terminated in the reporting year and therefore there is no reportable statistics
  2. The figures shown in the above illustrative example are for illustrative purpose only.
  3. With effect from 1 July 2017, the Insurance terminology for Terminal Bonus has been updated to Special Bonus for the purpose of reading the policy provisions and other documents related to your policy. Please note that the change will not impact the original meanings and definitions of the insurance terminology for your policy concerned. For details, please visit
  4. The products shown above are underwritten by HSBC Life (International) Limited (the "Company"), an HSBC Group insurance underwriting subsidiary. The Company is incorporated in Bermuda with limited liability and is authorized and regulated by the Hong Kong Insurance Authority to carry on long-term insurance business in the Hong Kong SAR. You are subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. The above insurance products are long-term life insurance protection. They are not equivalent or similar to any kind of bank deposit. The proceeds received upon policy surrender, whether partial or full, may be less than the total premiums paid.