Dividend Philosophy and Investment Strategy

Body

Dividend and Crediting Interest Philosophy

If it is a participating and/or providing interest on accumulation insurance plan, Premiums received from the policies will be invested to a variety of assets according to the Company's investment strategy. The surplus from the invested assets will be shared with Policyholder through declared dividends and/or interest rate on accumulation in accordance with the relevant clause in the benefit provision. The Company will ensure a fair sharing of profits among different groups of policyholders and also between policyholders and the Company. The Company will review and determine the dividend and/or interest rate on accumulation at least once a year, the current projection on dividend and/or interest rate on accumulation are not guaranteed and subject to change with the entire performance of the relevant policies and the factor including but not limited to the investment returns, operating expense, claims experience, commission, persistency, past experience and future prospect.

The Company has established a Participating Insurance Business Management Committee, which has been authorized by the Board (comprising one or more Independent Non-Executive Directors) to conduct regular evaluations on dividend policies, and to independently review and determine the profit sharing plan of the current year as recommended by the Appointed Actuary.

?

Investment Philosophy, Policy and Strategy

The Company aims to strive for minimizing volatility of the investment return and provides stable return as our investment philosophy. Assets are mainly invested in bonds and other fixed income instruments, such as government and corporate bonds and other fixed income instruments to support the guaranteed financial obligation. To enhance the performance of the investment portfolio, the Company?invests in equity-type investments and other investment instruments such as mutual funds and direct/indirect investment in properties or commercial institutions.

The investment portfolio will be diversified across different geographic regions and/or industries. Investment strategy will be subject to change depending on the market conditions and the economic outlook. The Company?will inform Policyholder the relevant changes in dividend and/or interest rate on accumulation and the impact to the policies when there is change in the investment strategy.

The Company’s current investment strategy on participating and/or providing interest on accumulation plans are as follow:

Asset type Target Asset Mix (%
Bonds and other fixed income instruments 50% to 90%
Equity-type investment and other investments 10% to 50%

Fulfillment Ratios for Dividends and Interests

?

Reporting year: 2018

The following table shows the fulfillment ratios of non-guaranteed annual dividends, terminal dividends and accumulation interests for each of the product series which has new policies issued starting from 2011.

Fulfillment ratio calculation for annual dividends

The fulfillment ratio for annual dividends is calculated as the ratio of aggregate actual accumulated non-guaranteed annual dividends, including actual dividend accumulation interests, against the illustrated amounts at the point of sale for all relevant in force policies in the reporting year.

Fulfillment ratio calculation for terminal dividends

The fulfillment ratio for terminal dividends is calculated as the ratio of aggregate payout of terminal dividends, including actual terminal dividend accumulation interests, against the illustrated amounts at the point of sale for all relevant terminated policies in the reporting year.

Fulfillment ratio calculation for accumulation interests

The fulfillment ratio for accumulated interests is calculated as the ratio of actual interests accumulated on cash coupons against the illustrated amounts at the point of sale for all relevant in force policies in the reporting year.

The information are intended for reference only and should not be taken as an indicator of future dividends and interests declaration of the products. The fulfillment ratio is the average ratios calculated for all relevant policies under the respective product series, which may not reflect the circumstances of any individual policy.

?

1) Participating Plans - with Annual Dividend

Please select the product series:


10-Year RMB Savings Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2016

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA 100% 100% NA 100%

18-Year Pay Whole Life Insurance

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2016

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

3-Year Pay 12-Year Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% NA 100% NA

?

5-Year Bonus Savings Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA 100% 100% 100% NA NA

?

5-Year Treasure Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% NA NA

?

6-Year Pay 12-Year Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

6-Year Wealth Saver Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% NA NA NA NA NA

?

8-Year Saver Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% NA NA NA NA NA

?

Abundant Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% NA NA NA

?

Bliss Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA 100% 100% NA 100% NA

?

BoBo Education Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

BOCOM 10-Year RMB Savings Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA 100% NA 100%

?

BOCOM 6 Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% NA NA

?

Brighter Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Brilliant Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Endowment 65 (Annuity Version)

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Enhanced 18-Year Pay Whole Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% NA

Enhanced 5-Year Endowment

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% NA NA NA

?

Enjoyable Life Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA 100% 100% 100%

?

Ever Rising RMB 6-Year Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% NA NA

?

Golden 6-Year Treasure Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA 100% NA NA NA NA

?

Golden Age Retirement Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Golden Saver (RMB) Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% NA

?

Golden Single Premium 5-Year Endowment

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% NA NA NA NA

?

Guardian Critical Illness Whole Life Insurance

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Harvest Honor Whole Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% NA NA NA NA NA

?

Healthguard Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Hey Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA NA NA NA NA

?

ICBC(Asia) 6-Year RMB Endowment Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% NA NA

?

Instant Benefit Annuity Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Intelligent Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% NA NA

?

Intelligent Insurance Plan (2014)

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year 5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA 100% NA NA NA

?

Intelligent Savings Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% 100% NA

?

Lifelong Attention Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% 100% 100%

?

Long Life and Harvest Year Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% NA NA 100%

?

NCB 5-Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% NA NA NA

?

NCB 6-Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% 100% NA

?

NCB RMB Series 10-Year Savings Insurance Plan

Product type - Participating endowment

Applied to?RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA NA NA 100%

?

?

NCB Wonderful 65 Insurance Plan Series

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA 100% 100% NA 100% 100%

?

Noble Champion Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA NA NA NA NA

?

Noble Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Noble Life Insurance Plan 2

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA NA NA NA

?

Peaceful Age Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Perfect Wealth Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Plentiful Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Prevails 6 Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% NA NA

?

Privilege RMB Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA 100% NA NA

?

Prosperous 18 Education Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Prosperous Future Education Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Prosperous Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Rainbow Age / Supreme Wealth Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Relaxful Age Insurance Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year 6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Retirement Deferred Annuity 65

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% NA NA NA

?

Safeguard Tomorrow Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year 6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Savvy Life Lady Protection Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year 6

2012

Policy year?7

2011

100% NA NA NA NA NA NA

?

Smart 5 Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% NA NA NA

?

Smart Fortune 8-year Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% NA NA NA NA

?

Smart-6 Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% 100% NA

?

Start Whole Life Guaranteed Annuity Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA 100% 100% NA

?

Successful Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Super 6 Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% NA NA NA NA NA

?

Superior Wealth Plus Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% NA NA NA NA

?

Superior Wealth Whole Life Plan (SE)

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% NA NA NA

?

Synergy Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA NA NA NA NA

?

Time Lady Protection Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Wealth Grower Guaranteed Annuity Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA NA NA NA

?

Wealth Master Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% NA NA NA NA

?

Wealth Protector Annuity Insurance Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% NA NA

?

Win-Win 10-Year RMB Savings Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% NA 100% 100% 100%

?

Wise Choice 5-Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA 100% NA NA NA

?

Wise Choice 6-Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% 100% 100% 100% NA

?

Wishes 6 Years Endowment Plan

Product type - Participating?endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA 100% 100% NA NA

?

Wishes Whole Life Insurance Plan

Product type - Participating?whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% NA 100% 100% NA

?

?

Wonderful Life Education Savings Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Yearly Harvest Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Yearly Reward Insurance Plan

Product type - Participating?whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year 5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA NA NA NA NA

?

?

2) Participating Plans - with Terminal Dividend

Please select the product series:

?

Critical Illness Guardian Insurance Plan

Product type - Participating?whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year 3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA NA NA NA NA

?

Critical Illness Multiple Protector

Product type - Participating?whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year 3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA NA NA NA

?

Excel-harvest 108 Annuity?Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year 3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA NA NA NA NA NA NA

?

?

Superb Protection Critical Illness Plan

Product type - Participating?whole life

Applied to all currencies plan

Policy year 1

2017

Policy year?2

2016

Policy year 3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% NA NA NA

?

?

Superb Protection Critical Illness Plan (Basic)

Product type - Participating?whole life

Applied to all currencies plan

Policy year?1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% NA NA NA NA NA

?

?

3) Plans with Accumulated Interest

Please select the product series:


?

3-year payment term endowment plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

2017

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

NA 100% NA NA NA NA NA

?

6-Year Treasure Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

2017

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

NA 100% 100% 100% 100% 100% NA

?

Achieve 5 Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

2017

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

NA 100% NA NA NA NA NA

?

Affluent Life Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

2017

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

100% 100% NA NA NA NA NA

?

BOCOM 3080 Guaranteed Annuity Plan (RMB)

Product type - Annuity

Applied to RMB plan

Policy year 1

2017

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

100% 100% 100% 100% NA NA NA

?

BOCOM Rich Harvest Immediate Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

100% 100% 100% 100% 100% 100% NA

?

BOCOM Success Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2016

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

100% 100% 100% 100% NA NA NA

?

Brilliant Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year 6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% NA

?

Elite Achiever Insurance Plan

Product type -?Endowment

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% NA NA NA NA NA

?

Enjoyable Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% NA NA

?

Guaranteed Annuity Plan (15)

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year 6

2012

Policy year?7

2011

100% 100% 100% 100% 100% NA NA

?

Life Guaranteed?Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA NA NA NA NA

?

Promising 5 Insurance Plan

Product type - Endowment

Applied to?all currencies?plan

Policy year 1

2017

Policy year 2

2016

Policy year 3

2015

Policy year 4

2014

Policy year 5

2013

Policy year 6

2012

Policy year 7

2011

NA 100% NA NA NA NA NA

?

Relaxing Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year 2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% NA NA NA

?

Smart Treasure 10-Year Insurance Plan

Product type - Endowment

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% NA NA NA NA

?

Speedy Insurance Plan

Product type - Endowment

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% 100% NA NA NA NA

?

Splendid / Splendid 16 Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year 2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% NA NA

?

Start 3 Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% NA NA

?

Start 3 Guaranteed Annuity Plan (RMB)

Product type - Annuity

Applied to?RMB?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% NA NA NA

?

Start Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% 100% 100% 100% 100% 100% 100%

?

Start Whole Life Guaranteed Annuity Plan

Product type - Annuity

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

100% NA NA NA 100% NA NA

?

Superior 5 Insurance Plan

Product type - Endowment

Applied to?all currencies?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% NA NA NA NA NA

?

Wise Choice 5-Year Insurance Plan (RMB Enhanced)

Product type - Endowment

Applied to?RMB?plan

Policy year 1

2017

Policy year?2

2016

Policy year?3

2015

Policy year?4

2014

Policy year?5

2013

Policy year?6

2012

Policy year?7

2011

NA 100% NA 100% 100% NA NA

?

Note for fulfillment ratios:

Fulfillment ratios may not be applicable due to one or more of the following reason(s):

1) There is no relevant policy with the respective policy year as of current reporting year.

2) The amount of accumulated non-guaranteed annual dividends, terminal dividends and accumulation interests at the point of sale?up to the respective policy year as of current reporting year is zero for the relevant policies.

?

?

Historical Crediting Interest Rate for Universal Life Plans

?

Crediting Interest Rate Philosophy

If it?is an universal life insurance plan, Policyholder will share the surplus from the invested assets of the Company's investment from the declared interest. The Company?will ensure a fair sharing of profits among different groups of policyholders and also between policyholders and the Company. The Company?will review and determine and declared crediting interest rate at least once a year, the current projection on crediting interest rate are not guaranteed and subject to change with the entire performance of the universal life insurance policies and the factor including but not limited to the investment returns, operating expense, claims experience, commission, persistency, past experience and future prospect.

Investment Philosophy, Policy and Strategy

The Company aims to strive for minimizing volatility of the investment return and provides stable return as our investment philosophy. Assets are mainly invested in bonds and other fixed income instruments, such as government and corporate bonds and other fixed income instruments to support the guaranteed financial obligation. To enhance the performance of the investment portfolio, the Company?invests in equity-type investments and other investment instruments such as mutual funds and direct/indirect investment in properties or commercial institutions.

The investment portfolio will be diversified across different geographic regions and/or industries. Investment strategy will be subject to change depending on the market conditions and the economic outlook. The Company?will declare Crediting Interest Rate and reflect the performance o the actual Crediting Interest Rate in the annual statement.

The Company’s current investment strategy on universal life insurance plans are as follow:

Asset type Target Asset Mix (%
Bonds and other fixed income instruments 50% to 90%
Equity-type investment and other investments 10% to 50%

Reporting year: 2018

?

The following table shows the historical General Crediting Interest Rates for each of the universal life insurance product series which has new policies issued starting from 2011.

?

The information are intended for reference only and should not be taken as an indicator of future General Crediting Interest Rates of our universal life insurance products.

?

Prime Universal Life Insurance Plan

2018

2017

2016

2015 2014 2013 2012 2011
4.10% 4.10% NA NA NA NA NA NA

?

?

Royal Privilege Universal Life Insurance Plan

2018

2017

2016

2015 2014 2013 2012 2011
4.80% 4.80% NA NA NA NA NA NA

?

?

Royal Privilege Universal Life Insurance Plan 2

2018

2017

2016

2015 2014 2013 2012 2011
4.30% NA NA NA NA NA NA NA

?

?

Flexi Saver Plan

2018

2017

2016

2015 2014 2013 2012 2011
NA NA NA NA NA NA NA NA

?

?

?

?

Notes:

1) Some of the above results are shown as "NA" because in the respective year the products were not yet launched.

2) The historical crediting interest rates are based on weighted average crediting interest rate of these policies in each calendar year.


?

幸运快3是哪个省的