>> Philosophy in Deciding Dividends
Participating insurance plans provide policy owners with an opportunity to receive a share of profits attributable to the participating life insurance business of our company by means of dividends, with the potential prospect of long-term rates of return. To accomplish the purpose, we invest in a wide range of asset portfolios that are prudently chosen by our company to balance the risk. In general, the asset portfolios mainly consist of fixed income securities and equity investments.
The actual amount of dividends is determined by our company’s policy, which is based on the past experience of our company and the long-term expectation of the participating life insurance business in the future. Dividends amount mainly depends on the overall performance of the participating life insurance business of our company, taking into account factors such as investment returns, claim experience, persistency and operating expense.
Annual dividends paid can be left with the company and accumulate with interest. The interest rate (Dividends Accumulation Rate) is determined based on market conditions and expected investment return of our company. Please click here to view the fulfillment ratios of participating products.
In light of the above factors, dividends and Dividend Accumulation Rate are not guaranteed and may be higher or lower than the values illustrated in the benefit illustration provided at point of sale.