... projection or estimation of the future returns. The future crediting interest rate may be lower or higher. Details of the current scale of charges are presented in Summary of Charges. [H] End of Policy Year [I] Total Premiums Paid [N] Pessimistic Basis [N] Optimistic Basis Crediting Interest Rate: X% p.a....

... 21.6 18.6 21.4 20.6 須付的佣金比率 Commission Payable Ratio 可收取的佣金比率 Commission Receivable Ratio 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 % % % % % % % % % % 18.0 19.4 18.3 21.5 22.2 35.7 31.6 26.4 23.5 32.6 45.4 49.3 51.8 42.3 43.5 36.4 60.8 53.6 46.9 37.9 12.8 13.2 22.1 16.4 18.0 1.7 8.7 24.7 3.9...

... 18.6 須付的佣金比率 Commission Payable Ratio 可收取的佣金比率 Commission Receivable Ratio 2014 2015 2016 2017 2018 2014 2015 2016 2017 2018 % % % % % % % % % % 19.7 20.7 18.0 19.4 18.3 11.7 20.8 35.7 31.6 26.4 33.8 37.1 45.4 49.3 51.8 30.7 30.2 36.4 60.8 53.6 19.6 15.4 12.8 13.2 22.1 - - 1.7 8.7 24.7 15.4 14.8 19.7...

... Assurance Zurich Assurance 31-12-18 43,157 22,773,092 266,307 - 5,416,687 Zurich International Zurich International 31-12-18 65,374 144,417,186 1,786,240 9,294 16,560,984 Zurich Life Zurich Life 31-12-18 44,071 9,040,190 334,449 - 3,412,497 市場總額 Market Total 13,664,208 7,672,947,412 401,319,357 60,117,552 2...

... 14.9 126.0 133.5 816.4 308.8 273.9 14.1 169.5 2,806.3 管理開支 Management Expenses 68.2 48.7 2.4 42.0 71.9 404.2 222.1 191.6 8.5 30.6 1,090.2 未過期風險調整 Unexpired Risks Adjustment (0.6) 0.3 0.0 (0.3) (0.9) 3.3 9.1 (20.5) 0.4 11.0 1.8 可收取的佣金 Commissions Receivable 66.7 71.8 1.5 31.1 60.9 462.7 115.8 135.4 1.8...

... 17.2 21.9 20.9 21.6 18.6 21.4 須付的佣金比率 Commission Payable Ratio 可收取的佣金比率 Commission Receivable Ratio 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 % % % % % % % % % % 20.7 18.0 19.4 18.3 21.5 20.8 35.7 31.6 26.4 23.5 37.1 45.4 49.3 51.8 42.3 30.2 36.4 60.8 53.6 46.9 15.4 12.8 13.2 22.1 16.4 - 1.7...

... 2,060.9 11.3 170.6 15,764.3 增加/(減少) Increase/(Decrease) 398.9 (324.7) 1.7 27.1 11.1 101.5 90.2 91.8 0.3 13.3 411.2 未過期風險 UNEXPIRED RISKS 截至2018年底的未過期風險 Unexpired Risks at the end of 2018 18.9 120.2 0.0 18.3 7.0 32.0 374.8 47.7 1.5 13.6 634.0 截至2017年底的未過期風險 Unexpired Risks at the end of 2017 14.9...

... 856.0 867.1 11.4 14.9 21.1 48.7 335.6 1.1 0.6 7.6 8.6 17.1 0.0 0.0 0.7 2.2 8.8 101.5 112.8 127.3 119.6 106.6 36.8 38.5 39.9 30.0 36.2 128.9 120.5 111.7 140.7 164.8 125.0 48.3 40.0 59.5 61.2 730.3 747.1 774.4 808.1 768.8 459.5 472.0 393.4 372.3 388.6 279.7 259.8 250.3 273.3 311.9 104.1 113.5 105.4 106.6...

... for investment will be lower than your premiums paid. The upfront charge is calculated as follows: Upfront Charge = Premiums received X Upfront Charge % Policy year Upfront charge % % of premium received available for investment after upfront charge 1 A% (100 – A)% 2 B% (100 – B)% 3 C% (100 – C)% 4 D...

... the use of motor vehicles in Hong Kong. Supervision of Insurance Intermediaries Insurance Agents Part X of the ICO provides the statutory backing for the self-regulatory system of insurance agents in Hong Kong. The Insurance Agents Registration Board (“IARB”) set up by The Hong Kong Federation of...