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Lammy Tsang

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Articles

The Milliman Fulfillment Ratio Index: Reporting year 2024

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By Clément Bonnet, Julian Man, Lammy Tsang
| Critical Point
Since January 2017, life insurance companies in Hong Kong have been required by the Insurance Authority to publish fulfillment ratios for their participating (par) products on an annual basis, in compliance with the Guideline on Underwriting Long Term Insurance Business (Other Than Class C Business), commonly referred to as “GL16”. Recent regulatory developments have led to revisions to the illustration guidance for par policies.
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