Crediting Rates for Universal Life Products

The following displays the net crediting rates of our Universal Life products.

Notice: Past performance of the underlying funds are not indicative of their future performance, and shall not guarantee future returns of the underlying funds.

Agency

Great Flexi Plus
Great Flexi Wealth
Great Flexi Wealth Plus
Great Universal Life

Bancassurance

Glorious Legacy
MaxEmpower
MaxYield
Max Multiplier
Max Optimum
Max Step-Up
Maximus
Max Grow
Premier Heritage
Premier Legacy
Premier Legacy 2
Premier Legacy 3

Great Flexi Plus

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.29%	3.44%
February	0.26%	3.40%
March	0.31%	3.70%
April	0.30%	3.70%
May	0.33%	3.90%
June	0.31%	3.88%
July	0.32%	3.83%
August	0.32%	3.81%
September	0.33%	4.08%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.25%	3.04%
February	0.23%	3.09%
March	0.24%	2.92%
April	0.23%	2.87%
May	0.34%	4.08%
June	0.25%	3.08%
July	0.27%	3.24%
August	0.27%	3.24%
September	0.24%	2.99%
October	0.28%	3.34%
November	0.29%	3.62%
December	0.31%	3.67%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.20%
February	0.26%	3.31%
March	0.26%	3.13%
April	0.25%	3.12%
May	0.26%	3.13%
June	0.24%	3.00%
July	0.26%	3.11%
August	0.24%	2.83%
September	0.24%	2.90%
October	0.24%	2.86%
November	0.26%	3.15%
December	0.25%	2.98%

Great Flexi Wealth

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.29%	3.44%
February	0.26%	3.40%
March	0.31%	3.70%
April	0.30%	3.70%
May	0.33%	3.90%
June	0.31%	3.88%
July	0.32%	3.83%
August	0.32%	3.81%
September	0.33%	4.08%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.25%	3.04%
February	0.23%	3.09%
March	0.24%	2.92%
April	0.23%	2.87%
May	0.34%	4.08%
June	0.25%	3.08%
July	0.27%	3.24%
August	0.27%	3.24%
September	0.24%	2.99%
October	0.28%	3.34%
November	0.29%	3.62%
December	0.31%	3.67%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.20%
February	0.26%	3.31%
March	0.26%	3.13%
April	0.25%	3.12%
May	0.26%	3.13%
June	0.24%	3.00%
July	0.26%	3.11%
August	0.24%	2.83%
September	0.24%	2.90%
October	0.24%	2.86%
November	0.26%	3.15%
December	0.25%	2.98%

Great Flexi Wealth Plus

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.29%	3.44%
February	0.26%	3.40%
March	0.31%	3.70%
April	0.30%	3.70%
May	0.33%	3.90%
June	0.31%	3.88%
July	0.32%	3.83%
August	0.32%	3.81%
September	0.33%	4.08%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.25%	3.04%
February	0.23%	3.09%
March	0.24%	2.92%
April	0.23%	2.87%
May	0.34%	4.08%
June	0.25%	3.08%
July	0.27%	3.24%
August	0.27%	3.24%
September	0.24%	2.99%
October	0.28%	3.34%
November	0.29%	3.62%
December	0.31%	3.67%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.20%
February	0.26%	3.31%
March	0.26%	3.13%
April	0.25%	3.12%
May	0.26%	3.13%
June	0.24%	3.00%
July	0.26%	3.11%
August	0.24%	2.83%
September	0.24%	2.90%
October	0.24%	2.86%
November	0.26%	3.15%
December	0.25%	2.98%

Great Universal Life

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.30%	3.62%
February	0.28%	3.72%
March	0.34%	4.08%
April	0.33%	4.12%
May	0.36%	4.32%
June	0.34%	4.22%
July	0.35%	4.15%
August	0.35%	4.24%
September	0.37%	4.54%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.24%	2.81%
February	0.21%	2.78%
March	0.23%	2.79%
April	0.22%	2.77%
May	0.33%	4.01%
June	0.27%	3.29%
July	0.28%	3.40%
August	0.29%	3.44%
September	0.27%	3.32%
October	0.29%	3.50%
November	0.30%	3.72%
December	0.32%	3.84%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.20%	2.39%
February	0.21%	2.69%
March	0.22%	2.57%
April	0.21%	2.62%
May	0.22%	2.57%
June	0.20%	2.47%
July	0.23%	2.72%
August	0.21%	2.53%
September	0.21%	2.62%
October	0.22%	2.60%
November	0.22%	2.75%
December	0.22%	2.62%

Glorious Legacy

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.94%
February	0.30%	3.94%
March	0.33%	3.94%
April	0.32%	4.00%
May	0.33%	4.01%
June	0.32%	4.02%
July	0.34%	4.02%
August	0.34%	4.02%
September	0.32%	4.02%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.97%
February	0.30%	3.97%
March	0.33%	3.97%
April	0.32%	3.96%
May	0.33%	3.96%
June	0.32%	3.95%
July	0.33%	3.95%
August	0.33%	3.94%
September	0.32%	3.94%
October	0.33%	3.94%
November	0.32%	3.94%
December	0.33%	3.94%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	4.00%
February	0.31%	4.00%
March	0.33%	4.01%
April	0.32%	4.01%
May	0.33%	4.01%
June	0.32%	4.01%
July	0.33%	4.01%
August	0.33%	4.01%
September	0.32%	4.01%
October	0.33%	3.99%
November	0.32%	3.99%
December	0.33%	3.97%

MaxEmpower

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.28%	3.34%
February	0.25%	3.30%
March	0.30%	3.60%
April	0.29%	3.60%
May	0.32%	3.80%
June	0.31%	3.78%
July	0.31%	3.73%
August	0.31%	3.71%
September	0.32%	3.98%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.25%	2.94%
February	0.23%	2.99%
March	0.24%	2.82%
April	0.22%	2.77%
May	0.33%	3.98%
June	0.24%	2.98%
July	0.26%	3.14%
August	0.26%	3.14%
September	0.23%	2.89%
October	0.27%	3.24%
November	0.28%	3.52%
December	0.30%	3.57%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.26%	3.10%
February	0.25%	3.21%
March	0.25%	3.03%
April	0.24%	3.02%
May	0.25%	3.03%
June	0.24%	2.90%
July	0.25%	3.01%
August	0.23%	2.73%
September	0.23%	2.80%
October	0.23%	2.76%
November	0.25%	3.05%
December	0.24%	2.88%

MaxYield

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.29%	3.44%
February	0.26%	3.40%
March	0.31%	3.70%
April	0.30%	3.70%
May	0.33%	3.90%
June	0.31%	3.88%
July	0.32%	3.83%
August	0.32%	3.81%
September	0.33%	4.08%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.25%	3.04%
February	0.23%	3.09%
March	0.24%	2.92%
April	0.23%	2.87%
May	0.34%	4.08%
June	0.25%	3.08%
July	0.27%	3.24%
August	0.27%	3.24%
September	0.24%	2.99%
October	0.28%	3.34%
November	0.29%	3.62%
December	0.31%	3.67%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.20%
February	0.26%	3.31%
March	0.26%	3.13%
April	0.25%	3.12%
May	0.26%	3.13%
June	0.24%	3.00%
July	0.26%	3.11%
August	0.24%	2.83%
September	0.24%	2.90%
October	0.24%	2.86%
November	0.26%	3.15%
December	0.25%	2.98%

Max Multiplier

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.36%	4.34%
February	0.32%	4.25%
March	0.39%	4.65%
April	0.38%	4.70%
May	0.41%	4.98%
June	0.40%	4.96%
July	0.41%	4.91%
August	0.41%	4.89%
September	0.40%	5.04%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.45%	5.39%
February	0.40%	5.39%
March	0.42%	5.12%
April	0.40%	5.04%
May	0.52%	6.30%
June	0.43%	5.33%
July	0.43%	5.21%
August	0.43%	5.21%
September	0.37%	4.60%
October	0.38%	4.51%
November	0.38%	4.73%
December	0.40%	4.77%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.43%	5.20%
February	0.41%	5.34%
March	0.45%	5.44%
April	0.43%	5.36%
May	0.46%	5.53%
June	0.43%	5.35%
July	0.46%	5.51%
August	0.44%	5.29%
September	0.42%	5.28%
October	0.43%	5.21%
November	0.44%	5.43%
December	0.44%	5.26%

Max Optimum

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.29%	3.43%
February	0.26%	3.43%
March	0.29%	3.43%
April	0.28%	3.43%
May	0.29%	3.43%
June	0.28%	3.43%
July	0.29%	3.43%
August	0.29%	3.43%
September	0.28%	3.43%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.29%	3.43%
February	0.26%	3.43%
March	0.29%	3.43%
April	0.28%	3.43%
May	0.29%	3.43%
June	0.28%	3.43%
July	0.29%	3.43%
August	0.29%	3.43%
September	0.28%	3.43%
October	0.29%	3.43%
November	0.28%	3.43%
December	0.29%	3.43%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.29%	3.43%
February	0.27%	3.43%
March	0.29%	3.43%
April	0.28%	3.43%
May	0.29%	3.43%
June	0.28%	3.43%
July	0.29%	3.43%
August	0.29%	3.43%
September	0.28%	3.43%
October	0.29%	3.43%
November	0.28%	3.43%
December	0.29%	3.43%

Max Step-Up

Month	Net Crediting Rate (Monthly)		Net Crediting Rate (Per Annum)		Crediting Rate Information Sheet
Month	1st - 20th Policy Year	21st Policy Year and above	1st - 20th Policy Year	21st Policy Year and above	Crediting Rate Information Sheet
January	0.33%	0.37%	3.94%	4.44%
February	0.29%	0.33%	3.85%	4.35%
March	0.35%	0.39%	4.25%	4.75%
April	0.35%	0.39%	4.30%	4.80%
May	0.38%	0.42%	4.58%	5.08%
June	0.37%	0.41%	4.56%	5.06%
July	0.38%	0.42%	4.51%	5.01%
August	0.37%	0.41%	4.49%	4.99%
September	0.37%	0.41%	4.64%	5.14%
October
November
December

Month	Net Crediting Rate (Monthly)		Net Crediting Rate (Per Annum)		Crediting Rate Information Sheet
Month	1st - 20th Policy Year	21st Policy Year and above	1st - 20th Policy Year	21st Policy Year and above	Crediting Rate Information Sheet
January	0.41%	0.45%	4.99%	5.49%
February	0.37%	0.41%	4.99%	5.49%
March	0.39%	0.43%	4.72%	5.22%
April	0.37%	0.41%	4.64%	5.14%
May	0.49%	0.53%	5.90%	6.40%
June	0.40%	0.44%	4.93%	5.43%
July	0.40%	0.44%	4.81%	5.31%
August	0.40%	0.44%	4.81%	5.31%
September	0.34%	0.38%	4.20%	4.70%
October	0.34%	0.38%	4.11%	4.61%
November	0.35%	0.39%	4.33%	4.83%
December	0.36%	0.40%	4.37%	4.87%

Month	Net Crediting Rate (Monthly)		Net Crediting Rate (Per Annum)		Crediting Rate Information Sheet
Month	1st - 20th Policy Year	21st Policy Year and above	1st - 20th Policy Year	21st Policy Year and above	Crediting Rate Information Sheet
January	0.40%	0.44%	4.80%	5.30%
February	0.38%	0.42%	4.94%	5.44%
March	0.42%	0.46%	5.04%	5.54%
April	0.40%	0.44%	4.96%	5.46%
May	0.43%	0.47%	5.13%	5.63%
June	0.40%	0.44%	4.95%	5.45%
July	0.42%	0.46%	5.11%	5.61%
August	0.41%	0.45%	4.89%	5.39%
September	0.39%	0.43%	4.88%	5.38%
October	0.40%	0.44%	4.81%	5.31%
November	0.40%	0.44%	5.03%	5.53%
December	0.40%	0.44%	4.86%	5.36%

Maximus

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.45%	5.48%
February	0.42%	5.65%
March	0.48%	5.84%
April	0.46%	5.71%
May	0.45%	5.37%
June	0.44%	5.54%
July	0.44%	5.35%
August	0.43%	5.21%
September	0.43%	5.33%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)	Crediting Rate Information Sheet
January	0.45%	5.44%
February	0.43%	5.71%
March	0.44%	5.31%
April	0.42%	5.23%
May	0.42%	5.07%
June	0.41%	5.11%
July	0.43%	5.22%
August	0.44%	5.29%
September	0.43%	5.38%
October	0.47%	5.71%
November	0.46%	5.75%
December	0.46%	5.60%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.31%	3.75%
February	0.36%	4.63%
March	0.39%	4.63%
April	0.43%	5.38%
May	0.44%	5.30%
June	0.42%	5.21%
July	0.45%	5.44%
August	0.44%	5.25%
September	0.45%	5.65%
October	0.48%	5.77%
November	0.50%	6.24%
December	0.47%	5.65%

Max Grow

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
April	0.29%	3.61%
May	0.30%	3.61%
June	0.29%	3.61%
July	0.30%	3.61%
August	0.30%	3.61%
September	0.29%	3.61%
October
November
December

Premier Heritage

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.90%
February	0.29%	3.90%
March	0.33%	3.90%
April	0.32%	3.94%
May	0.33%	3.90%
June	0.31%	3.90%
July	0.33%	3.90%
August	0.33%	3.91%
September	0.32%	3.91%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.94%
February	0.30%	3.94%
March	0.33%	3.94%
April	0.32%	3.94%
May	0.33%	3.94%
June	0.32%	3.92%
July	0.33%	3.92%
August	0.33%	3.90%
September	0.31%	3.90%
October	0.33%	3.90%
November	0.31%	3.90%
December	0.33%	3.90%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.96%
February	0.31%	3.96%
March	0.33%	3.96%
April	0.32%	3.96%
May	0.33%	3.96%
June	0.32%	3.96%
July	0.33%	3.96%
August	0.33%	3.96%
September	0.32%	3.96%
October	0.33%	3.94%
November	0.32%	3.94%
December	0.33%	3.94%

Premier Legacy

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.36%	4.27%
February	0.32%	4.27%
March	0.36%	4.27%
April	0.35%	4.36%
May	0.36%	4.30%
June	0.35%	4.30%
July	0.36%	4.30%
August	0.36%	4.30%
September	0.35%	4.30%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.36%	4.32%
February	0.32%	4.30%
March	0.36%	4.30%
April	0.35%	4.30%
May	0.36%	4.30%
June	0.35%	4.29%
July	0.36%	4.29%
August	0.36%	4.27%
September	0.34%	4.27%
October	0.36%	4.27%
November	0.34%	4.27%
December	0.36%	4.27%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.36%	4.32%
February	0.34%	4.32%
March	0.36%	4.32%
April	0.35%	4.32%
May	0.36%	4.32%
June	0.35%	4.32%
July	0.36%	4.32%
August	0.36%	4.32%
September	0.35%	4.30%
October	0.36%	4.29%
November	0.35%	4.32%
December	0.36%	4.32%

Premier Legacy 2

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.37%	4.41%
February	0.33%	4.41%
March	0.37%	4.40%
April	0.37%	4.64%
May	0.36%	4.38%
June	0.35%	4.38%
July	0.36%	4.38%
August	0.36%	4.38%
September	0.35%	4.38%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.37%	4.43%
February	0.33%	4.43%
March	0.37%	4.43%
April	0.36%	4.43%
May	0.37%	4.43%
June	0.36%	4.43%
July	0.37%	4.43%
August	0.37%	4.43%
September	0.36%	4.43%
October	0.37%	4.43%
November	0.36%	4.43%
December	0.37%	4.43%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.37%	4.50%
February	0.35%	4.50%
March	0.37%	4.50%
April	0.36%	4.50%
May	0.37%	4.50%
June	0.36%	4.49%
July	0.37%	4.49%
August	0.37%	4.49%
September	0.36%	4.49%
October	0.37%	4.43%
November	0.36%	4.43%
December	0.37%	4.43%

Premier Legacy 3

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.94%
February	0.30%	3.94%
March	0.33%	3.94%
April	0.32%	4.00%
May	0.33%	4.01%
June	0.32%	4.02%
July	0.34%	4.02%
August	0.34%	4.02%
September	0.32%	4.02%
October
November
December

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.97%
February	0.30%	3.97%
March	0.33%	3.97%
April	0.32%	3.96%
May	0.33%	3.96%
June	0.32%	3.95%
July	0.33%	3.95%
August	0.33%	3.94%
September	0.32%	3.94%
October	0.33%	3.94%
November	0.32%	3.94%
December	0.33%	3.94%

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	4.00%
February	0.31%	4.00%
March	0.33%	4.01%
April	0.32%	4.01%
May	0.33%	4.01%
June	0.32%	4.01%
July	0.33%	4.01%
August	0.33%	4.01%
September	0.32%	4.01%
October	0.33%	3.99%
November	0.32%	3.99%
December	0.33%	3.97%

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Life and health

Wealth

Lifestyle

Prestige Series

Crediting Rates for Universal Life Products

Great Flexi Plus

Great Flexi Wealth

Great Flexi Wealth Plus

Great Universal Life

Glorious Legacy

MaxEmpower

MaxYield

Max Multiplier

Max Optimum

Max Step-Up

Maximus

Max Grow

Premier Heritage

Premier Legacy

Premier Legacy 2

Premier Legacy 3

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