Many customers have said to us: I think I should only look at the guaranteed part of this policy. I don’t know if I can get the non-guaranteed part in the future?
Domestic non-guaranteed bonuses are basically not available.
Whether the non-guaranteed dividends of participating insurance can meet the expectations in the plan may be one of the differences between Hong Kong insurance and domestic insurance companies.
1. British Prudential Life Case 1: "Ideal Life" The picture below shows the dividend record of the British Prudential "Ideal Life" policy that took effect in 2004. In the eighth year of the policy, the actual dividend value was 43.61% higher than the promised dividend value. This is
During this period, we experienced the financial crisis in 2008, but it did not affect Prudential's profits and dividends at all, which shows that Prudential's operations are stable.
The policy holder is a man. He took out the policy in 2004. He was 35 years old when he took out the policy. The insured amount was US$50,000. The policy holder paid the premium in one lump sum.
Case 2: "Better" Let's look at another example of Prudential's "Better" plan, which took effect in 2004. In the eighth year after the policy came into effect, Prudential's actual dividends were 44.43% higher than the promised dividends.
The policy holder is a man. He took out the policy in 2004. He was 35 years old when he took out the policy. The insured amount was US$50,000. The policy holder paid the premium in five years.
Case 3: "Junsheng" The picture below shows the dividend record of the British Prudential "Junsheng" policy that took effect in 2010. From the figure below, we can see that the actual average dividends of the British Prudential "Junsheng" are higher than promised.
The policy holder is a man. He took out the policy in 2010. He was 35 years old when he took out the policy. The insured amount was US$50,000. The policy holder paid the premium in five years.
Case 4: "Twice the Abundance Plan" Let's look at an example of the British Prudential "Twice the Abundance" plan. In the sixth year after the policy came into effect, the actual dividend value of the British Prudential was 3.03% higher than the promised dividend value.
The policy holder is a man. He took out the policy in 2006. He was 35 years old when he took out the policy. The insured amount was HK$400,000. The policy holder paid the premium in 8 years.
Case 5: "Ideal Life" The following case is an earlier British Prudential "Ideal Life" policy, which came into effect in 1995. During this period, it experienced the 2000 Nasdaq stock market crash crisis in the United States, as well as the 911 terrorist attacks in the United States.
We also experienced the 2008 financial crisis, in which dividends were lower than expected in four years. However, in the 17th year of the policy, Prudential’s actual dividends still exceeded the promised dividends by 16.34%.
The policy holder is a man. He signed up for the British Prudential "Ideal Life" plan in 1995. He was 35 years old when he signed up for the policy, and the insured amount was US$50,000.
Summary Prudential UK can see from the historical dividend records of the above four most popular insurance plans of Prudential UK ("Ideal Life", "Junsheng", "Better", "Double Enrichment") that Prudential UK is
The company with the most stable performance in the world insurance industry.
Prudential's dividends have always far exceeded customer expectations, and its long-term outstanding performance has earned it today's universal praise.
Prudential has the following measures to balance risks: 1. Prudential publicly promises to distribute 90% of the profits from investment returns to participating policy customers.
2. The investment company that Prudential relies on for investment: "Eastspring Investments" is Asia's largest retail asset management company, managing more than US$100 billion (￡60 billion) in investment funds.
3. Prudential's century-old "mitigation mechanism": Set up a legacy asset of 270 million pounds, and allocate part of it to Hong Kong policy dividends when the investment market is poor in the future, so that the policy can get the expected return, and the interests of the company and customers are consistent.
4. Prudential is listed in London, Singapore, Hong Kong and New York, and is subject to the strictest financial accounting supervision in the four countries and regions.
5. The historical investment performance is outstanding. All 167 financial reports of Prudential's parent company have been made public. It is the only company in the world with full confidence.
6. "Standard & Poor's" and "Moody's Investors" ratings lead all insurance companies in the world.
7. Prudential IGD’s capital surplus and available capital are three times the government regulations, and its solvency is excellent and leading.
2: American AIA Case 1: "Yida Whole Life Insurance" The following case is the "Yida Whole Life Insurance" product of American AIA Life. This plan is a whole life insurance product with dividend function. As time goes by, the customer's worth increases.
will also grow.
The policyholder is a 30-year-old male. The initial insured amount is US$100,000, and the premium is paid for 18 years. The policy was purchased in May 2008.
Case 2: "High-Interest Guarantee" The case pictured below is a dividend product "High-Interest Guarantee" launched by AIA ten years ago, which will pay dividends every year.
In the 10 years since dividends were distributed, only the second year was not as good as expected, but it also reached 99.8%. The policyholder is a 30-year-old male who purchased the plan in 2003, with a 10-year payment period.
Case 3: "Yuman Life" The case in the picture below is "Yuman Life" which has been selling relatively well in recent years by AIA Life.
The policyholder is a 30-year-old male who purchased the policy in 2011.
Case 4: "Love, Worry-Free and Long-lasting" and "Love, Worry-Free and Long-lasting" are products with obvious dividend advantages of AIA Life in recent years.