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The following tables show the historical Crediting Interest Rate for policies under Exquisite Universal Life Insurance Plan (“Exquisite”), Exquisite Supreme Universal Life Insurance Plan (“Exquisite Supreme”) and Splendid Universal Life Insurance Plan (“Splendid”) issued by Hang Seng Insurance Company Limited (“Hang Seng Insurance”) which (a) it has issued new policies since 2010, and (b) it still has policies inforce in the reporting year 2023.These results are intended for reference purpose only. The historical Crediting Interest Rates described below are not guaranteed and should not be taken as indicator of future Crediting Interest Rate of our universal life insurance products. The actual future General Crediting Interest Rates may be lower or higher than the historical Crediting Interest Rates as illustrated.
Policy year 1 to 10+
Exquisite - currently available
2023
| No-Lapse Guarantee Option (NLG) |
Policy Currency |
Issue Date |
historical Crediting Interest Rate for reporting year 2023 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|||
| No NLG | USD | Since Product Launch |
3.90% | 3.90% | 3.81% | 3.60% | 3.65% | 3.65% | 3.61% | 3.35% | 3.35% | 3.39% |
| CNY | N/A | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | ||
| Yes, NLG to age 100 |
USD | 3.65% | 3.65% | 3.56% | 3.30% | 3.30% | 3.30% | 3.26% | 3.00% | 3.00% | 3.00% | |
Exquisite - closed to sales
2023
| No-Lapse Guarantee Option (NLG) |
Policy Currency |
historical Crediting Interest Rate for reporting year 2023 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
||
| Yes, NLG to age 80 |
USD | 3.75% | 3.75% | 3.66% | 3.40% | 3.40% | 3.40% | 3.36% | 3.10% | 3.10% | 3.10% |
| Yes, NLG to age 90 |
USD | 3.70% | 3.70% | 3.61% | 3.35% | 3.35% | 3.35% | 3.31% | 3.05% | 3.05% | 3.05% |
| Yes, NLG Lifetime |
USD | 3.60% | 3.60% | 3.51% | 3.25% | 3.25% | 3.25% | 3.21% | 2.95% | 2.95% | 2.95% |
Policy year 1 to 10+
Exquisite Supreme - currently available
2023
| No-Lapse Guarantee Option (NLG) |
Policy Currency |
Issue Date |
historical Crediting Interest Rate for reporting year 2023 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|||
| No NLG | USD | Before 21 May 2018 |
3.90% | 3.90% | 3.81% | 3.60% | 3.65% | 3.65% | 3.61% | 3.35% | 3.35% | 3.39% |
| On or After 21 May 2018 |
N/A | N/A | N/A | N/A | 3.85% | 3.85% | 3.81% | 3.55% | 3.55% | 3.59% | ||
| CNY | Since Product Launch |
N/A | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | |
| Yes, NLG to age 100 |
USD | Since Product Launch |
3.65% | 3.65% | 3.56% | 3.30% | 3.30% | 3.30% | 3.26% | 3.00% | 3.00% | 3.00% |
Exquisite Supreme - closed to sales
2023
| No-Lapse Guarantee Option (NLG) |
Policy Currency |
historical Crediting Interest Rate for reporting year 2023 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
||
| Yes, NLG to age 80 |
USD | 3.75% | 3.75% | 3.66% | 3.40% | 3.40% | 3.40% | 3.36% | 3.10% | 3.10% | 3.10% |
| Yes, NLG to age 90 |
USD | 3.70% | 3.70% | 3.61% | 3.35% | 3.35% | 3.35% | 3.31% | 3.05% | 3.05% | 3.05% |
| Yes, NLG Lifetime |
USD | 3.60% | 3.60% | 3.51% | 3.25% | 3.25% | 3.25% | 3.21% | 2.95% | 2.95% | 2.95% |
Policy year 1 to 10+
Splendid - currently available
2023
| No-Lapse Guarantee Option (NLG) |
Policy Currency |
Issue Date |
historical Crediting Interest Rate for reporting year 2023 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|||
| N/A | USD | Since Product Launch |
N/A | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% |