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Crediting Rates for Universal Life Products

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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
Premier Heritage
Premier Legacy
Premier Legacy 2
Premier Legacy 3

Great Flexi Plus

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.22%
February	0.25%	3.26%
March	0.28%	3.30%
April	0.26%	3.19%
May	0.27%	3.28%
June	0.27%	3.29%
July	0.29%	3.42%
August	0.29%	3.51%
September	0.28%	3.41%
October	0.27%	3.17%
November	0.24%	2.98%
December	0.25%	3.02%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.32%	3.78%
February	0.30%	3.93%
March	0.32%	3.81%
April	0.31%	3.86%
May	0.32%	3.79%
June	0.28%	3.48%
July	0.29%	3.43%
August	0.26%	3.15%
September	0.28%	3.46%
October	0.29%	3.41%
November	0.23%	2.79%
December	0.23%	2.72%

Great Flexi Wealth

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.22%
February	0.25%	3.26%
March	0.28%	3.30%
April	0.26%	3.19%
May	0.27%	3.28%
June	0.27%	3.29%
July	0.29%	3.42%
August	0.29%	3.51%
September	0.28%	3.41%
October	0.27%	3.17%
November	0.24%	2.98%
December	0.25%	3.02%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.32%	3.78%
February	0.30%	3.93%
March	0.32%	3.81%
April	0.31%	3.86%
May	0.32%	3.79%
June	0.28%	3.48%
July	0.29%	3.43%
August	0.26%	3.15%
September	0.28%	3.46%
October	0.29%	3.41%
November	0.23%	2.79%
December	0.23%	2.72%

Great Flexi Wealth Plus

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.22%
February	0.25%	3.26%
March	0.28%	3.30%
April	0.26%	3.19%
May	0.27%	3.28%
June	0.27%	3.29%
July	0.29%	3.42%
August	0.29%	3.51%
September	0.28%	3.41%
October	0.27%	3.17%
November	0.24%	2.98%
December	0.25%	3.02%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)	Crediting Rate Information Sheet
May	0.32%	3.79%	-
June	0.28%	3.48%	-
July	0.29%	3.43%	-
August	0.26%	3.15%	-
September	0.28%	3.46%	-
October	0.29%	3.41%	-
November	0.23%	2.79%
December	0.23%	2.72%

Great Universal Life

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.24%	2.81%
February	0.19%	2.52%
March	0.19%	2.26%
April	0.17%	2.11%
May	0.19%	2.20%
June	0.18%	2.25%
July	0.20%	2.37%
August	0.22%	2.57%
September	0.20%	2.46%
October	0.20%	2.34%
November	0.18%	2.24%
December	0.21%	2.45%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.24%	2.92%
February	0.22%	2.89%
March	0.23%	2.71%
April	0.22%	2.67%
May	0.21%	2.56%
June	0.18%	2.17%
July	0.19%	2.31%
August	0.22%	2.59%
September	0.21%	2.59%
October	0.24%	2.86%
November	0.23%	2.86%
December	0.26%	3.08%

Glorious Legacy

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.97%
February	0.30%	3.97%
March	0.33%	3.98%
April	0.32%	3.98%
May	0.33%	3.99%
June	0.32%	4.00%
July	0.33%	4.00%
August	0.33%	4.00%
September	0.32%	4.00%
October	0.33%	4.00%
November	0.32%	4.00%
December	0.33%	4.00%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.91%
February	0.29%	3.91%
March	0.33%	3.91%
April	0.32%	3.92%
May	0.33%	3.92%
June	0.32%	3.92%
July	0.33%	3.92%
August	0.33%	3.92%
September	0.32%	3.92%
October	0.33%	3.93%
November	0.32%	3.93%
December	0.33%	3.93%

MaxEmpower

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.26%	3.12%
February	0.24%	3.16%
March	0.27%	3.20%
April	0.25%	3.09%
May	0.27%	3.18%
June	0.26%	3.19%
July	0.28%	3.32%
August	0.29%	3.41%
September	0.27%	3.31%
October	0.26%	3.07%
November	0.23%	2.88%
December	0.24%	2.92%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.31%	3.68%
February	0.29%	3.83%
March	0.31%	3.71%
April	0.30%	3.76%
May	0.31%	3.69%
June	0.27%	3.38%
July	0.28%	3.33%
August	0.26%	3.05%
September	0.27%	3.36%
October	0.28%	3.31%
November	0.22%	2.69%
December	0.22%	2.62%

MaxYield

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.27%	3.22%
February	0.25%	3.26%
March	0.28%	3.30%
April	0.26%	3.19%
May	0.27%	3.28%
June	0.27%	3.29%
July	0.29%	3.42%
August	0.29%	3.51%
September	0.28%	3.41%
October	0.27%	3.17%
November	0.24%	2.98%
December	0.25%	3.02%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.32%	3.78%
February	0.30%	3.93%
March	0.32%	3.81%
April	0.31%	3.86%
May	0.32%	3.79%
June	0.28%	3.48%
July	0.29%	3.43%
August	0.26%	3.15%
September	0.28%	3.46%
October	0.29%	3.41%
November	0.23%	2.79%
December	0.23%	2.72%

Max Step-Up

Year 2024

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
September
October
November
December

Year 2023

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	0.36%	0.40%	4.31%	4.81%
February	0.34%	0.37%	4.49%	4.99%
March	0.40%	0.44%	4.76%	5.26%
April	0.37%	0.41%	4.63%	5.13%
May	0.38%	0.42%	4.59%	5.09%
June	0.37%	0.41%	4.63%	5.13%
July	0.38%	0.42%	4.58%	5.08%
August	0.38%	0.42%	4.52%	5.02%
September	0.39%	0.42%	4.79%	5.29%
October	0.40%	0.44%	4.79%	5.29%
November	0.38%	0.42%	4.67%	5.17%
December	0.38%	0.42%	4.52%	5.02%

Year 2022

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	0.42%	0.47%	5.12%	5.62%
February	0.39%	0.43%	5.22%	5.72%
March	0.41%	0.45%	4.95%	5.45%
April	0.41%	0.45%	5.12%	5.62%
May	0.42%	0.46%	5.03%	5.53%
June	0.38%	0.41%	4.66%	5.16%
July	0.38%	0.42%	4.52%	5.02%
August	0.34%	0.38%	4.06%	4.56%
September	0.36%	0.40%	4.48%	4.98%
October	0.38%	0.42%	4.60%	5.10%
November	0.32%	0.36%	3.91%	4.41%
December	0.34%	0.38%	4.02%	4.52%

Max Optimum

Year 2024

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
September
October
November
December

Year 2023

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%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)	Crediting Rate Information Sheet
January	0.30%	3.54%	-
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%

Max Multiplier

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.39%	4.71%
February	0.37%	4.89%
March	0.43%	5.16%
April	0.40%	5.03%
May	0.41%	4.99%
June	0.40%	5.03%
July	0.41%	4.98%
August	0.41%	4.92%
September	0.42%	5.19%
October	0.43%	5.19%
November	0.41%	5.07%
December	0.41%	4.92%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.46%	5.52%
February	0.42%	5.62%
March	0.44%	5.35%
April	0.44%	5.52%
May	0.45%	5.43%
June	0.41%	5.06%
July	0.41%	4.92%
August	0.37%	4.46%
September	0.39%	4.88%
October	0.42%	5.00%
November	0.35%	4.31%
December	0.37%	4.42%

Maximus

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)	Crediting Rate Information Sheet
January
February
March
April	0.31%	3.82%	-
May	0.32%	3.82%
June	0.34%	4.27%
July	0.25%	2.95%
August	0.27%	3.17%
September	0.47%	5.82%
October	0.39%	4.75%
November	0.29%	3.63%
December	0.21%	2.51%

Premier Legacy 3

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.97%
February	0.30%	3.97%
March	0.33%	3.98%
April	0.32%	3.98%
May	0.33%	3.99%
June	0.32%	4.00%
July	0.33%	4.00%
August	0.33%	4.00%
September	0.32%	4.00%
October	0.33%	4.00%
November	0.32%	4.00%
December	0.33%	4.00%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.33%	3.91%
February	0.29%	3.91%
March	0.33%	3.91%
April	0.32%	3.92%
May	0.33%	3.92%
June	0.32%	3.92%
July	0.33%	3.92%
August	0.33%	3.92%
September	0.32%	3.92%
October	0.33%	3.93%
November	0.32%	3.93%
December	0.33%	3.93%

Premier Legacy 2

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.37%	4.50%
February	0.34%	4.50%
March	0.37%	4.50%
April	0.36%	4.50%
May	0.37%	4.50%
June	0.36%	4.50%
July	0.37%	4.50%
August	0.37%	4.50%
September	0.36%	4.50%
October	0.37%	4.50%
November	0.36%	4.50%
December	0.37%	4.50%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.37%	4.48%
February	0.34%	4.48%
March	0.37%	4.48%
April	0.36%	4.48%
May	0.37%	4.48%
June	0.36%	4.48%
July	0.37%	4.48%
August	0.37%	4.48%
September	0.36%	4.48%
October	0.37%	4.49%
November	0.36%	4.49%
December	0.37%	4.49%

Premier Legacy

Year 2024

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
September
October
November
December

Year 2023

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.36%	4.31%
February	0.32%	4.31%
March	0.36%	4.31%
April	0.35%	4.31%
May	0.36%	4.31%
June	0.35%	4.31%
July	0.36%	4.31%
August	0.36%	4.31%
September	0.35%	4.31%
October	0.36%	4.32%
November	0.35%	4.32%
December	0.36%	4.32%

Year 2022

Month	Net Crediting Rate (Monthly)	Net Crediting Rate (Per Annum)
January	0.36%	4.31%
February	0.32%	4.31%
March	0.36%	4.31%
April	0.35%	4.31%
May	0.36%	4.31%
June	0.35%	4.31%
July	0.36%	4.31%
August	0.36%	4.31%
September	0.35%	4.31%
October	0.36%	4.31%
November	0.35%	4.31%
December	0.36%	4.31%

Premier Heritage

Year 2024

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
September
October
November
December

Year 2023

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%	3.97%
May	0.33%	3.97%
June	0.32%	3.96%
July	0.33%	3.96%
August	0.33%	3.96%
September	0.32%	3.96%
October	0.33%	3.96%
November	0.32%	3.96%
December	0.33%	3.96%

Year 2022

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