致 各合作夥伴：
2023年紅利率公佈
我們謹此宣佈2023年保誠分紅計劃的紅利率。
(i) 現有保單紅利率公佈及預期保單價值更新
基於2022年投資市場幾乎所有資產表現欠佳，保誠分紅保單透過緩和機制，本年度實際公佈的保單價值普遍較上一年預期本年度之總現金價值及去年實際價值稍為下降。
我們對市場長線展望包括利息趨勢持正面看法，加上進行投資策略優化，因此，2023年中長線之預期保單價值與2022年之預期價值比較普遍上調。
(ii) 新生意說明摘要更新
由於債劵孳息率上升，部分分紅計劃之新生意說明摘要的中長線預期保單價值將會上調，包括雋富多元貨幣計劃（EGC）（港元及美元保單）、特級「雋陞」儲蓄保障計劃 II（EGSP2）、「自主未來」保障計劃（LFREE）（除５年繳外）、雋騰傳承保障計劃（EGA）、危疾加護保III（CIE3）及危疾首護保II（CIP2）。更新之新生意說明摘要將於2023年4月1日生效。
(iii)保費儲蓄戶口利率
由於債劵孳息率上升，公司決定將所有適用產品的保費儲蓄戶口利率上調，並於2023年4月1日生效。
詳情請參閱附奉之通告。
如有任何疑問，歡迎致電我們的客戶經理查詢。
保誠保險有限公司
經紀及獨立理財顧問業務部謹啟
Dear Business Partners,
2023 Bonus Rate Declaration
We are pleased to announce the declaration of bonus rates for our participating plans for 2023.
(i) Bonus Rate Declaration and Future Values Illustration Refresh for Inforce Policies
As a result of unfavourable investment performance in 2022 for almost all asset classes, current year Total Cash Value declared is slightly lower than the 2022 projected value of current year and 2022 actual value in general after applying smoothing.
We are positive about long-term market outlook including interest rate trend, and with enhanced investment strategy; medium to long term Future Value Illustration of 2023 has been generally increased comparing to 2022 projection.
(ii) New Business Sales Illustrations Refresh
With the increase in bond yields, the medium to long term projected values in sales illustrations for some of the participating plans, including Evergreen Wealth Multi-Currency Plan (EGC) (HKD and USD policies), Evergreen Growth Saver Plus II (EGSP2), LiveFree Protector (LFREE) (except 5-pay), Evergreen Wealth Advance (EGA), PRUHealth Critical Illness Extended Care III (CIE3) and PRUHealth Critical Illness First Protect II (CIP2), will be increased. The new business sales illustrations will be updated in PRUCompass with effect from 1 April 2023.
(iii) Premium Deposit Account rate
With the increase in bond yields, the Premium Deposit Account rate for all applicable products will be increased with effect from 1 April 2023.
Please refer to the attached memo for details.
Should you have any enquiry, please feel free to contact our Account Managers.
