Crediting Interest Rate History

The following table shows the historical crediting interest rates for universal life plan(s) with policies issued in the previous 5 years prior to the reporting year:

For Reporting Year 2019

Year

Year

2014

2015

2016

2017

2018

2019

Heritage Builder Universal Life Plan

Heritage Builder Universal Life Plan

N/A

N/A

4.30%

4.30%

4.30%

4.30%

Notes:

  • The crediting interest rates would be shown as “N/A” in the respective year if the plan(s) was not yet launched.
  • The crediting interest rate shown above are before any relevant policy charges (e.g. cost of insurance, policy administration fees, etc.)
  • The crediting interest rate history shown above are for reference only. They relate to past history and are not indicators of future crediting interest rates.
  • The prevailing crediting interest rate may change from time to time. It may be higher or lower than the crediting interest rate history shown above.
  • For the crediting interest rates applicable to your policy, please refer to the policy anniversary statement or contact your financial consultant.