Historical crediting interest rates

The following table shows the historical crediting interest rates for universal life plan(s) with policies issued since 2010, and with policies inforce in the reporting year:

For Reporting Year 2023

2016

2017

2018

2019

2020

2021

2022

2023

Heritage Builder Universal Life Plan

Heritage Builder Universal Life Plan

4.30%

4.30%

4.30%

4.30%

4.30%

4.30%

4.30%

4.30%

Notes:

  • The crediting interest rate shown above are before any relevant policy fees and charges (e.g. cost of insurance, policy administration fees, etc.)
  • The historical crediting interest rates 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 historical crediting interest rates shown above.
  • For the crediting interest rates applicable to your policy, please refer to the policy anniversary statement or contact your financial consultant.