Dividend Returns

As a Company focused on maximising returns for our valued policyholders, we choose the most prudent investment strategies. As a result, over the years, we have been able to provide the best-in-market investment returns.

Our performance since 2013 has been illustrated below

Year Minimum Guaranteed Dividend Rate (%) Actual Declared Dividend Rate (%)
2013 9.5 11.75
2014 8.0 11.5
2015 8.0 9.5
2016 8.0 10.5
2017 10.0 10.25
2018 10.0 10.0
2019 10.0 10.0
2020 9.0 9.0
2021 8.0 8.0
2022 9.0 10.0
2023 9.0 13.5

That’s not all, at the beginning of every year we declare a minimum guaranteed dividend rate for policyholders. However, at the time when the actual dividend is declared, we will compare the actual vs the guaranteed dividend rate, and whichever rate is higher will be used to build the maturity fund.

Example:
Let’s assume that the minimum guaranteed dividend rate for 2022 was 9.0% but the actual dividend rate declared for that year was 10.0%. In this scenario, the maturity fund will grow based on the 10.0% dividend rate since it is the higher rate.

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